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If tomorrow never comes

NO-ONE enjoys confronting their own mortality, but making a will is one of the most important things anyone can consider. If you die without making one, your assets may not be distributed according to your wishes, but rather according to law. This article explains who inherits, and who does not, when a person dies intestate.

Daniel James is an independent financial adviser at Lloyd & Whyte (Financial Sevices). He was appointed sales and development manager in late 2003 and has been instrumental in the development of an exclusive range of services for members of the BVA.