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Do I need a will?

Yes - and so does just about everybody else. A will tells the world exactly how you want your assets distributed when you die. It's also the best place to name guardians for your children.

Dying without a will - known as dying "intestate" - means you have no say over who receives your assets, and can leave your heirs and the court system the complex and costly job of wrangling over who should get what.