What happens to a SIPP when you die?

[jonny70]

as above.

Im only in my mid twenties , dot have pension though save in other ways.

I know a regular pension when you die that it no one inherits it unless its a special one that your wife gets part of.

Does this include SIPPS?

[jonny70]

fandango_c said:

Not sure what you mean by a regular pension, but if you die before retirement and have a personal pension, it gets paid (possibly after some tax) to your appointed beneficiary. Post retirement, if you have an annuity, it depends on what sort of annuity you have.

Tips should answer your SIPP question:
http://www.mwpensions.co.uk/handouts/Death_Benefit...

So a SIPP is used to buy an annuity? do you have to buy an annuity with a sipp?