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You are better off making wills so that things go where you want them too, sadly in some families this can lead to some non healing fights over property etc. Have a look at some on line will sites you can fill the forms out yourselves and get them witnessed, make sure you follow the instructions exactly.

Had a similar problem when the mother in law passed on no will. Ended up having to go to a solicitor to get executer power in order to release the insurance policy etc. have the father in law with us at the moment who has just made a will via solicitor cost £140 but all legal. Think you can each make separate wills yourself on pre printed performas. Why not give Age concern a bell or trawl the Internet for impartial advice via Wikki.

Originally Posted by seafarer1939

What happens if a couple with separate bank accounts enters a situation where one dies,does the cash go to the next of kin automatically?
My wife and I have this,she has her money and I have mine,if one goes will the other get it or do we have to make it in to a joint acc. something we don't want as we like to be independent re.cash.
She also has quite a good few Premium Bonds do they come to me in cash terms?
I ask because she nearly died last month due to insides bursting,she's now recovered and asking as I am,the answer without the use of Lawyers if Poss.
We don't want to draw up wills as we want all to go to the other so it seems an unnecessary expense.
Need an answer to calm her if you can.thanks

This site, I used, is totally free, and worth a gander at. But a will is a MUST to avoid complications later. It's easier to make a will than to go through the rigamarole of your partner going off 'Intestate'

totallyFREEwills.co.uk | Free on-line will-making service in England and Wales

Make a will and do it properly. When my Grandfather died, a few minor things weren't accounted for (stupid stuff with little monetry value) as a result my mum and her two sisters no longer speak to each other.

Likewise, my missus and her seven brothers and sisters are still feeling the financial effects of her dad's death 6 years ago, all due to discrepencies in the paperwork.

Make your will mate common sense, but my understanding is that between a man and wife the estate automatically goes to the surviving spouse in normal circumstances.
My dad was automatically given my moms bank account contents on production of the death certificate and his marriage lines.

The Law Society - Find a solicitor

SF, Put in your postcode and in the 'Area of Law' section select 'Wills and Probate'.

If you is black like me, when you have been fit up by the filth, the court appoints a brief for you.

The making of a will is a must. My wife and I did that, not only to ensure that each of us are covered, but in the event of both of us dying, say in an accident, then our combined assets are distrubuted as WE want them to be, not as some court may decide. Dying intestate only leaves more problems for those we love. So make a will ASAP.