MAKE A WILL!

WHY? TOP 10 REASONS

1. BENEFICIARIES - You decide who inherits your assets. If you don't make a Will, the law will decide for you.if you're an unmarried couple or not registered civil partners, your partner will not automatically inherit your estate.

2. GUARDIANS - You can nominate someone as Guardian, to look after your young children until they reach 18. Godparents do not automatically become Guardians on your death.

3. EXECUTORS - You can choose who should be responsible for distributing your estate, according to the wishes in your Will.

4. TAX PLANNING - You can minimise the level of Inheritance Tax payable on your death. Why pay more tax than necessary on your hard earned income and assets?

5. GIFTS - You can remember family and friends by leaving them gifts or mementos.

6. CHARITIES - You can benefit your favourite charity, if you so wish.

7. FUNERAL WISHES/ORGAN DONATION - You can specify funeral wishes and/or state whether you wish to donate organs for the benefit of others.

8. NO FAMILY FEUDS OR HASSLES! - You can prevent any competing claims on your estate, either by family members, or even first and second families.

9. BUSINESS - You can provide for a smooth handover of your business.

10. PEACE OF MIND - Self-explanatory! You can rest assured your loved ones will be cared for and well provided for.