The employee's pension insurance cannot be transferred after the death of the same unit, but the employee's relatives can apply to withdraw all the money in the social security account and return it to their families.

The policy of surrender in case of death stipulates that

(1) When an enterprise employee dies during his/her employment, the amount of inheritance is the principal and interest of the individual contribution in the total amount of personal account at the time of his/her death.

(2) When a retiree dies, the amount of inheritance is the principal and interest of the individual contribution in the balance of the individual account.

(3) Urban individual workers who participated in the basic old-age insurance (including those who took over the basic old-age insurance relationship as individual workers after the termination of labor relations with enterprises) died before receiving the basic old-age insurance, and the basic old-age insurance premiums paid by individuals were credited to the principal and interest of the individual account and the principal included in the overall fund according to the specified proportion, and paid to their designated beneficiaries or legal heirs in one lump sum; If an urban individual worker who has received a basic pension dies, the balance of his personal account and his personal contributions will be included in the principal of the overall fund according to the prescribed proportion, and if there is any surplus after deducting the total amount of the basic pension (excluding personal account pension) that he has received, the remaining part will be paid to his designated beneficiary or legal heir in one lump sum.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.