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A Lasting Power of Attorney (LPA) allows your loved ones to take care of you and your finances if you become unable to do so yourself.

There are two types of LPA:

A "Property and Financial Affairs" LPA allows your loved ones to deal with paying your bills, buying and selling your property and managing your bank accounts and investments.

A "Health and Welfare" LPA covers decisions about health and care and even deciding where you are to live. This can only be used if someone is incapable of dealing with such matters themselves.

An LPA ensures that, should you be unable to manage your own affairs, the people you have appointed can manage your financial life on your behalf. This can save a great deal of money and distress.

According to the Alzheimer's Society, more than 1 million people in the UK will have dementia by 2027. More than 1 in 5 people over 85 already suffer from this, with rates significantly higher amongst women than men.