Im going to be speaking to someone about insurance next week, i have a few small work related pensions from previous jobs and accident cover so i'll get a lump sum if i break a leg or do my back in etc but no life insurance.
Ds would be the beneficiary but cant really handle his own affairs (no learning difficulties but very severely physically disabled and non verbal) so if hes an adult by the time i pop my clogs what happens?
Would any money he receives be swallowed up paying for the care he needs, housing etc as he would be classed as having savings or is there some way to protect the money for the things he needs as he will most likely not have any sort of income in the future
anyone any experience?