IT’S fair to say that value is very much subjective as individuals will find value in different things. The Collins Dictionary defines value as “the value of something such as a quality, attitude or method is its importance or usefulness. If you place a particular value on something, that is the importance or usefulness you think it has”. Most people look to access their pension when they retire. At this point, they will assess the value in monetary terms, and how it will fund their lifestyle once their income from employment or self-employment ceases. It is, however, a harsh reality of life that some will unfortunately not get the chance to draw on their pension provision, dying sooner than expected.