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In theory everybody would like to make sure that their loved ones are taken care of after they are no longer around to do so, and making a valid Will goes a long way to ensuring that this is the case. In practise, however, many people do not understand the importance of making a Will, or the practical implications of not doing so. Others may feel they are too young to make a Will, or simply never find the time. The result can be potentially devastating, particularly at a time when a grieving family has more important things to think about. Making a Will is the only way to ensure that your wishes are followed after your death. No Will equals no control…. Not an appealing thought!

When I divorced 10 years ago, the terms of the consent order earmarked 15 per cent of the maximum lump sum of my ex-husband’s pension to me, with an additional portion as an annual payment.