I don't have much money; Do I need a will?
Yes, you do. Whilst this is understandable, having insignificant assets is not a reason not to make a will. Many people don’t realise that life insurances can pay off mortgages and death in service benefits (payable on death), can mean that the deceased persons estate may be substantial if they die. A will is not just about deciding finances. It is useful for appointing responsible people for carrying out your wishes when you pass away.