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Partner has recently died...what happens about joint mortgage?
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I suspect when the policies were sold there was probably no discussion around trusts, but a standard disclaimer in the suitability letter advising the OP to consider trusts and/or see a specialist advisor.
That is possible - though I have a suspicion that it might not have happened.
Taking no advice does restrict the scope for blame when it goes wrong - though there seem to be plenty of posters who seem to think their own stupidity is the fault of somebody else.Once again sadly this brings home the benefits of getting advice around a policy like this rather than just getting the cheapest option, possibly online with no advice.0
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