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The Yours Guide to Wills and Lasting Powers of Attorney explains the types of LPA, why you need them, 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.

Why do I need a Will? A Will is a legal document that allows you to state what should happen to your assets when you die. It’s the only way you can determine how your assets and possessions are distributed after your death. Without one, your estate will be distributed in accordance with the strict laws of

60% of adults don’t have a Will and one in four don’t have one done until they’re 55 Source: The Co-operative

intestacy so your 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.

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