If you do not make a Will, the law will decide who will take charge of your financial affairs after death and who will receive everything you own.

The danger of this situation is that you may have someone benefiting from your estate you do not wish to. If you make a Will you can appoint people of your choice to act on your behalf and you can decide exactly who should benefit following your death.

You could also save your beneficiaries from paying unnecessary tax, appoint guardians if you have young children, and express your wishes about the arrangements for your funeral.

With these details arranged, you can be assured that your final wishes are made clear, saving any confusion or unpleasantness that can sometimes surround a passing not involving a Will.