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WHO WOULD YOU TRUST TO
LOOK AFTER YOUR AFFAIRS?

We are now living longer than ever before and, the likelihood of us losing capacity at some point whether through dementia, illness or accident is becoming an accepted part of life. It is often assumed that if we were unable to look after our own affairs that those closest to us would simply take over and make decisions about our finances and health care. However, if we are considered to have lost capacity, Social Services will consider us to be vulnerable and they have a duty to inform financial institutions. Financial Institutions such as your Bank, Building Society and Insurers must protect vulnerable clients. They do this by freezing all your assets preventing any access to funds, making any changes or the ability to renew your insurances. This even includes joint bank accounts or jointly owned assets.

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