No one wants to think about their death before they have to, but if you organise everything in good time, you’ll make things much easier for those you leave behind.

According to the Office for National Statistics only 4% of deaths occur under the age of 45, which means the chances of you dying young are small. But around 70% of adults don’t make a will, and younger you are, the less likely you are to have done something about it. If you’re married or have a partner, you need to think about their financial well-being after your death. And if you have children, there’s the issue of who will look after them as well.

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