I am a divorced lady who will have forty years 'done' by the time I'm 58. This includes nurse training in the early 90's and separately late 90's and teacher training in the early 00's. I do not know whether to buy back years through notional service or buy AVCs instead. I naturally want the least expensive option to pay in fortnightly deposits but also that my pension contributions will be passed on to my children in the event of my death.
Can anyone advise please and thanks.
Can anyone advise please and thanks.