Ravi and Helen are a married couple who have a modest estate with no IHT concerns currently. They accept that if anything happened to either one of them, they would need plans in place to protect their estate for the other, as they are both relatively young and remarriage would be a possibility. They have witnessed situations where children have been disinherited. They wonder what could be done to improve the simple Wills they currently have.
This is a common concern for many clients, along with other issues such as care fees for older clients. With more advanced planning using a Married Couples Beneficiary Protection Plan, protective benefits for the spouse and children can be readily provided.