Hmm that sounds not bad actually! How does it work say if I die before starting to take a monthly sum? Say I want to retire at 65 but I die at 40. I wouldn't g

Hmm that sounds not bad actually! How does it work say if I die before starting to take a monthly sum? Say I want to retire at 65 but I die at 40. I wouldn't get anything in that case. So the first hurdle to overcome is to actually reach retirement age? I guess pensions work the same way, we pay into a pension and if I die before retirement, goodbye pension. How are monthly amounts calculated? Is it, the more I put in the more I can get out monthly when I retire? Do I get paid more monthly as I get older because we're assuming more people in my "pool" have passed away? If I stop contributing after some time before I retire, do I still get a pension?