No-one wants to contemplate their own death, but the fact is that the longer you live, the closer that day comes and you really need to limit the problems you leave your dependants. 

The reality is that even if you think you have your estate all neatly tied up to cause minimal (further) distress for your loved ones, it’s going to be complicated by red tape of some description. You also need to be aware that just because you made a bequest in your will, it does not mean that your wishes will be carried out. Intellectually, we know that a will is open to challenge; emotionally, the shock of that challenge can be devastating, especially when it comes to how your pension fund is treated...

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