We all must die, no exceptions. So, it’s amazing that so few of us actually protect our loved ones with wills. Perhaps the problem is that the siren call of procrastination sounds so clearly and seductively when it comes to delaying that evil day when we have to actually sit down, consider our mortality, and make a will. But sit down we must.

If you need help stirring yourself (or someone else you care about) into action, have a look at our list of “I don’t have a will because…” excuses. And our thoughts on why none of them hold any water.