No one wants to think about what will happen when they die. However, people must refrain from avoiding the uncomfortable topic of death, and ensure their estate is in order, so that it can be divided exactly how they want it to be when they die. Otherwise, it could cause a great deal of upset, and financial complications later down the line. 

While it is ultimately up to individuals to take responsibility for their estate, the legal and financial services can do more to promote the benefits of writing a will and simplify the process where possible. It will, of course, take time to promote a complete culture change, but a collective effort will certainly empower more consumers get their affairs in order. 

Andrew Megson is executive chairman of My Pension Expert