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When we think about money matters, we tend to focus on issues like investing, reducing debt and planning for retirement. These are all very important however it’s also worth making plans to provide for your family’s financial wellbeing if you were no longer around.
you were to die. Do you have certain assets you would like to leave to particular friends or family members? Do you have children from a previous relationship? It always makes sense to have an up to date will but if you answered ‘yes’ to any of the above questions, having a current will becomes critical. Your will is a valuable document that gives you a final say on how your assets (your estate) should be divided when you die.
It’s possible to draw up a do-it-yourself will for very little cost. However estate laws are complex and even a simple mistake in your will can cause chaos for your family especially if your wishes are challenged in court. Only your solicitor can prepare a watertight will - this will cost more than a DIY will though it’s a sensible investment.
If you were to die unexpectedly would your family be burdened by debts and other bills? It’s never pleasant to think about these things. The trouble is, none of us know what the future holds, and life insurance provides financial security for your family if you pass away unexpectedly.
When we’re young and healthy it’s easy to waive aside the idea of disability and life insurance. However accidents occur, and illness and disability don’t discriminate. If something happened to you it’s reassuring to know you have personal insurances in place to protect your family from hardship.
You may not be aware that if you die the trustee of your super fund can have the final say over who inherits your super. If you want to be absolutely certain about who your super savings go to you’ll need to complete a ‘binding death nomination’.
Make a date to speak with your Mortgage Choice Financial Adviser to arrange your estate plans, and give your family the benefit of lasting security and peace of mind.