I often wonder what different people include in this sort of calculation. There is even some margin for including the payouts from one’s life insurance as if you die this is what your estate is worth to those you leave behind. But whilst still alive you have no access to this money so it is a bit of an odd one.
For reference, when drawing up my will the solicitor did want to include my car, (bike) and any valuable furnishings/art etc. , property, shares, life insurance blah blah, in the calculation, but I guess I would be dead by that point so it makes life simple.
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