Bit Of A Problem

[jourdain2]

OH is 86 years old. I am 70. We own our own house, for which I paid by far the bigger share. I also have c £20K more capital than him which is invested. I have a smallish pension c.£11,500 and he has more c. £12,500. Between us we manage OK. 2nd marriage. We are legally married.
Problem is that OH refuses to make a Will (I've asked and asked and can't push any more). He assumes that I will outlive him and says (quite rightly) that I will need his money in order to live decently.

I am no way convinced that I will outlive him - my Mum was 10 years younger than my Dad - and pre-deceased him. One of OH's sons acted in such a way that OH does not want him to get a penny - he wants to help the lady who should have been his daughter-in-law, but has no legal entitlement. His daughter was horribly rude to me earlier this year (OH says she should be sectioned - she was really nasty) and I never want to see or speak to her again - she is very well-off (detached house in N. London) and OH understands that she doesn't need any money. His remaining son is a good sort and is renting his property, so could use a bit of help. OH has 2 sons and 1 daughter. I have 2 daughters.

It's getting very complicated and I realise that I need to make a Will - but I don't know what to do. Do I make one based on my own assets in case I die first? If so (which seems sensible) how the heck do I phrase it - given that we could both die in a car-crash and I would be assumed to have survived longer than OH and therefore inherited his estate. HELP!!!

[tamborine]

Make sure your beneficiaries keep copies of your Will. You'd be surprised how many Wills are supposedly lost.