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the wife’s family and the in-laws are not
likely to be averse to a small gamble. The
government is quite unlikely to object to this,
especially as the wife does not have her own
source of support.
Statute of Limitations
The majority of the
funds will be transferred to the wife’s bank account on the date
which is five years from the date of the husband’s death (or
from the date on which the husband’s income passes to the
wife), whichever is later. If the husband has no
income, the wife receives the total amount of the fund,
plus any income which she has from other sources. In
this instance, the fund is not likely to be held by the wife for
a substantial period of time, as the wife would have immediate
access to the money.
As the wife would be entitled to the
funds when she was the spouse with physical custody of the
children, any dispute about who had primary physical custody
in the event the husband had died would not be
material.
The present value of the fund is
dependent on the likely future income of the wife.
Income, at the age of 65, is reasonably
independent of future mortality risks. As such, the
future income stream should be modeled using a risk free
investment, such as a Bank of England bond. Such
investment would have a value of (1 + inflation
rate)^(time to maturity). In the case
of a US long term government bond, this would be
roughly 1/2^(time to maturity). The real
interest rate in the UK over the last few years was roughly
0.75% so the present value of the fund would be roughly
1.15^(5). Thus, an investment of
£200,000 (US$265,000) in this fund would rise to
£314,400 (US$415,000) at the age of 65, and
£452,540 (US$625,000) at the age of 75.
As the wife receives all of the income
from the fund, and is able to reinvest the profit, there is
little risk that the fund will run to exhaustion.
The husband may not always
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