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Worryingly, 60 per cent of adults don’t have a Will and one in four don’t get round to writing one until they’re 55 Source: The Co-operative

The Yours Guide to Wills and Lasting Powers of Attorney is designed to help you get your affairs in order. It explains the types of LPA and their features and why you need them, and also the importance of having a Will and what happens if you don’t make one.

What do LPAs do?

LPAs allow you to appoint a person or people you trust to make important decisions on your behalf should you ever be unable or unwilling to do so. There are two types: a Property & Financial Affairs LPA and a Health & Welfare LPA. Setting them up means decisions about your future health or money are in safe hands and gives you total reassurance – no one has the legal right to make decisions on your behalf without one. Without LPAs, your loved ones will have to go through the Court of Protection, so it makes sense to arrange them.

Why do I need a Will?

A Will is a legal document that allows you to clearly state what should happen to your assets when you die. It’s the only way you can determine how your assets and precious possessions are distributed after your death. Without one, your estate will be distributed in accordance with the laws of intestacy. These laws follow strict rules, so loved ones may not inherit anything at all. LPAs are only available in England and Wales

Speak to the experts

Making important legal decisions for the future requires expert advice.

Key can arrange your Will and LPAs with a simple phone call.

■ To request your free guide or for specialist advice and information:

Call free on – 0808 156 2688 Write to – FREEPOST Key Advice (no further address needed) with your name, address and phone

number indicating which service interests you.