I encourage the two of you not to consider this as an either/or situation, but instead use the money to provide for multiple goals. Focus on multiple goals to help you achieve both financial stability and a happier life . . . .
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The accurate answer to this would require an adviser to look at the pension documents and the choices you made when you began receiving the pension income. The most likely answer is your new wife will not receive a benefit if you were to die, because you have already started . . . .
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