roshanarose - although making a will is certainly important, what I was talking about was a Power of Attorney, which enables your appointed person(s) to handle your finances and/or make decisions about your welfare should you become unable to do so. A few years ago, if an elderly person could no longer deal with their bank, for example, the bank staff would just let their son or daughter get cash out for them and so on. These days there are so many rules and regulations that the banks will hardly let us get our own money out, and they certainly can't let a relation or friend do it for us, no matter how well the bank staff know the family. Whilst all these rules are meant to be there to protect the clients, some banks interpret them so literally that things become quite ridiculous. I had more and more older people coming to me to do Powers of Attorney not because they didn't understand things, but because they just couldn't stand speaking to the banks on the phone any longer, with all the requirements for passwords, security codes, etc - they want their adult children to do it for them, and this is the only way they can get the banks to speak to those children.
I know that wills are a thing that many people worry about - it may help to know that all the firms I have worked for have safes full of wills that have been sitting there for donkey's years; in other words, making a will does not mean you are about to expire, and you are perfectly free to change your will as many times as you like.
Hope this helps, and if I can help you with any general queries, please feel free to email me.