| I appreciate that for most of us financial planning is like watching paint dry. And after all there's plenty of time to start thinking about all that stuff. But is there? Have you ever sat down and given any thought to what happens if you live too long or die too soon? There's a fair chance you'll qualify for one of them. When was the last time you gave any real thought to how your finances would stack up if you were to snuff it tomorrow or lived much longer than you'd assumed?
Dying too soon is dead simple to protect against, if you forgive the pun. Get cheapo life cover. It's called Term Assurance. Buy lots of it and stick it in a simple Trust to make sure your loved ones aren't left high and dry while lawyers and HMRC fight it out divvying up your life savings. While you're at it go check what happens to your pension pot after an inconvenient death. And for goodness sake go get a will organised. It's astonishing how many just don't get round to it. | 
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