When You Die, Your Bank Freezes Everything — Unless You Fill In This One Free Form

When a person dies, their bank account freezes immediately, but their pension (the largest pot of money for most pensioners) can pass directly to family without probate delays if they have completed an 'expression of wish' form, which is a free 10-minute document naming beneficiaries; this form is critical because many people never complete it or have outdated nominations from decades ago.