"Last will and testament."

The name of the legal document which outlines how you wish your property to be distributed at your death sounds so final, incontrovertible.

It is your lasting legacy. A way you can provide for your loved ones: dependent children, a spouse or partner, friends, pets, a cause close to your heart. A way for your name to live on in the form of a bequest, or an anonymous gift to a person or organisation in need.

A will might be in line with beneficiaries' expectations - or it may involve some surprises. Its contents might be