My question is pretty much what it says on the tin. Beneficiary hasn't been heard of for more than 5 years, have tried to trace, checked last known address, placed ads etc. At some point I guess we have to come to the conclusion that beneficiary has either passed away or basically doesn't want to come forward. Are there rules about what happens to their share of the estate? Beneficiary has two adult children, but is divorced. Mods: sorry could have sworn I was posting this in the Wills etc., section - would you mind moving it for me please? thank you.