Closing date: 20th November 2009
The complexity of modern family life has made having a valid will even more important in recent years, yet over half of the adults in the UK do not have one.
Writing a will is the best way to make sure your estate is passed on to your family and friends exactly as you wish in the most tax efficient manner. Unmarried couples have no right to inherit if there is no will, and married couples only automatically inherit £250,000. The problems associated with not having a will are evident in cases such as Taryn Butler who was forced to sue her toddlers to provide for her family after her husband died intestate.
FT.com has teamed up with Unbiased.co.uk, the professional advice website, to offer one lucky reader the chance to win £1000. The prize money can be put towards anything you like, for example, you could put it towards paying a solicitor to help you write a will.
You may choose to save or invest the money, take out a life insurance policy to protect your family or use the money to help ensure that you have a reasonable pension and are able to leave money to your heirs.
But don’t forget that you do not have to make your saving or investment decision alone. Use our ‘Find an IFA’ search to find an independent financial adviser who will be able to help you assess your options and make the best choice for your individual circumstances.
How to enter
1. Visit the Find an IFA search and search for the name of the independent financial adviser nearest to your postcode.
2. Enter the competition below and give your name and address along with the answer to the question: What is the name of the independent financial adviser nearest to your postcode?
Online submissions form
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Prize Draw terms and conditions
1. No purchase is necessary to enter the free prize draw (“Prize Draw”). By entering into this Prize Draw entrants agree to these terms and conditions and acknowledge that failure to comply with them may result in disqualification.
2. To enter the Prize Draw, simply visit the Find an IFA search at www.ft.com/ifafinder, search for the name of the independent financial adviser nearest to your postcode and submit the responses by email to ask@ft.com with ‘Competition’ in the subject line before 5pm GMT November 20 2009. This Prize Draw is only available to entrants who are resident in the UK and over 18 years of age. Directors and employees of The Financial Times Limited (“FT”) and Unbiased.co.uk and their associated companies and agencies and their immediate family are excluded from entering.
3. Only one entry per person is permitted. Multiple or incomplete entries will be deemed to be invalid. Incomplete entries will not be eligible.
4. Prize; there is one prize, consisting of £1000 (payable by sterling cheque in the name of the competition winner only). The Prize will be awarded to the first selected eligible entry drawn at random on November 20 2009. The winner will be notified by Unbiased.co.uk within five working days of the Prize Draw and provided with details of how to claim the Prize.
5. The winner will be required to confirm acceptance of the Prize within ten working days and may be required to complete and return an eligibility form stating their age and residency details, among other details. If the Prize is declined or unclaimed by the winner or if the winner cannot be contacted from the details supplied, a supplementary winner may be drawn at FT’s discretion and will be notified by letter/email. The original entry that was drawn will be forfeited.
6. The Prize cheque will be sent by post to the name and address of the winner. Any enquiries relating to the Prize should be taken up directly with Unbiased.co.uk.
7. The name of the winner will be supplied on request after November 20 2009 and upon receipt by us of an SAE sent to: Money, The Financial Times Ltd, Number One Southwark Bridge, London, SE1 9HL.
8. Except where prohibited by law, by entering the Prize Draw, the winner agrees to allow FT to use details of their name, prize and hometown and their likeness for online posting, and/or any advertising and publicity without additional compensation.
9. The Prize Draw is final and no correspondence will be entered info. No equivalent to the Prize is available and the Prize is non-transferable. FT gives no warranty or guarantee in relation to the Prize or as to the number of entrants who take part in the Prize Draw. To the fullest extent that may be excluded by the law, FT and its agents accept no responsibility for or any liability arising from any persons taking part in the Prize Draw. All activities are undertaken at the winners own risk. FT gives no warranty or guarantee in relation to the Prize supplied by Unbiased.co.uk. Entrant’s use of the Find an IFA search at www.ft.com/ifafinder as set out in clause 2 above is for the purposes of the Prize Draw entry only and any other use of the Find an IFA search made by you shall be in accordance with the terms and conditions set out at www.ft.com/ifafinder.
10. FT reserves the right to cancel or amend these Terms and Conditions or change the Prize (to one of equal or greater value) as required by the circumstances.
11. To the fullest extent that may be excluded by law FT accepts no responsibility for error, omission, interruption, deletion, defect, delay in operations or transmission, theft or destruction or unauthorized access to or alterations of entry materials, or for technical, network, telephone equipment, electronic, computer, hardware or software malfunctions of any kind, or inaccurate transmission of, or failure to receive entry information by FT on account of technical problems or traffic congestion on the Internet or at any web site or any combination thereof. FT is also not responsible for any injury or damage to a participant’s or any other person’s computer related to or resulting from playing or downloading any materials in the Prize Draw, or for mail-in or submitted entries that are lost, late, misdirected, damaged, incomplete or illegible.
12. CAUTION: ANY ATTEMPT BY A PARTICIPANT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATIONS OF THE PRIZE DRAW IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, FT RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PARTICIPANT TO THE FULLEST EXTENT PERMITTED BY LAW. IN THE EVENT THIS PRIZE DRAW IS COMPROMISED OR BECOMES TECHNICALLY CORRUPTED IN ANY WAY, ELECTRONICALLY OR OTHERWISE, FT RESERVES THE RIGHT TO WITHDRAW THE ONLINE TRANSMISSION OF THIS PRIZE DRAW AND TO SELECT WINNERS FOR THE PRIZES BY RANDOM DRAWING FROM AMONG ALL ENTRIES RECEIVED.
13. These terms and conditions shall be governed by and construed in accordance with English law. Disputes arising in connection with this Agreement shall be subject to the non-exclusive jurisdiction of the English courts. The Promoter is The Financial Times Limited. Registered No. 227590 England Registered Office: Number One Southwark Bridge, London, SE1 9HL
