The majority of people I know despise talking about death, hate the idea of it and are more than happy to live in the present.

I have no objection to this but as an ex-banker, I know the difficulties and problems many of my clients (next of kin) experienced when their parents did not write a clear cut will and it led to enormous disputes amongst children, step children, wives, second wives and partners.

Having been a huge advocate of writing wills, I wrote one when I first joined the bank. It was a free service for staff and I thought why not? However as I was not married, only 23, I did not have any children or valuable assets and it seemed a bit pointless for me. However, more recently after my Nana passed away I realised how important it actually was to make a will.

My grandfather was a perfectionist, from a young age I knew where he wanted to be buried, what he wanted to be done for his service and exactly what sort of send off he wished for. We were only able to adhere to this due to his forming a will, over the years my Grandfather changed it regularly and more recently when he passed away, everyone wanted to know the ins and outs of it.

Thankfully his was fairly clear cut and he had all of his affairs in pristine order, but I do know of families who have literally been torn apart due to no will being written. This ultimately leads to confusion amongst the next of kin and then horrendous domestic disputes which are taken to court, and result in years of costly legal action.

Alternatively, you have the cases where a will is written, then after a person passes away a spouse, child or relative feels they have not had enough or have been treated fairly in the will and begin proceedings to contest the will. This leads to more money being spent and the memory of the person forgotten and can lead to emotional breakdowns, family ties being severed and also unnecessary health problems being created for unwell and elderly relatives.

Today I was joined by legal expert Ritu Sethi who explained more about the concept of wills, trusts and probate, terms we have all heard about. But many people are unaware as to the definition of these terms.

Ritu said it was imperative for every person regardless of their age to see a solicitor and make a will. She also highlighted the importance of making a lasting Power of Attorney due to illnesses such as dementia on the rise, each person should ensure that their wellbeing and interests are protected and given to those they feel responsible enough to deal with it.

She also went into the importance of considering making a trust, which splits control of an asset or liquid cash between people, who would have to mutually agree what is done with for example a house.

Without a doubt it’s vital that each person regardless of their age or assets make a will. I always say that it is always better to be safe than sorry and when it comes to property, money and valuables anyone can change their intentions. So why not protect yours for the ones you love, by simply writing a will.