I heard an ad on the radio the other day aimed at pet owners. It’s a bit of a heartstring tug, but basically it’s urging them to bequeath their legacy for canine charity after they’ve shuffled their human coils.

We can’t blame charities whose fundraising efforts, as noisy as tin, have been severely hampered by Covid, but a Royal London pre-pandemic survey made us think about the 70% of people who haven’t expressed their will . Property clinging and, yes, death, including one-third of her intestate deaths over the age of 55.

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