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Ask yourself - do I have: Life assurance, pension death in service values, a house, savings & investments, premium bonds, cars, jewellery, bank accounts and foreign property - these are ALL classed as part of your estate when you pass away.

A grant of probate is the legal authority given to Executors so they can carry out their role. Executors cannot carry out their role without a Grant of Probate (where there is a Will) or Letters of Administration (where there is no Will) in those cases where probate is needed.

Accidents, car crashes, sporting injuries and strokes are among the least expected causes of incapacity, and if you lose capacity, bank accounts (even joint ones) are likely to be frozen, and on top of that you can't receive any inheritance either.