One of the risks of having points warehouses is the access to those points to do the transfer can be a bit convoluted. It would always be a good idea to have your partner/beneficiary know how to access those accounts. QF allow regular family transfers but not if the account holder has passed away.
It gets a bit harder for those who have 2 commas in their FF accounts.
It gets a bit harder for those who have 2 commas in their FF accounts.