Ruth never married and never had any children. When Ruth passes away, she leaves an estate worth $1.5 million.
Matthew is married and runs his own business. He obtains income protection insurance. Unfortunately, Matthew’s marriage breaks down.
Wendy makes enquiries with her superannuation fund regarding the payment of her funds in the event that she unexpectedly passes away.
In tragic circumstances, Wendy’s son, William, passes-away.
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