Q My husband and I are married 10 years and are in our late 50s. It’s a second marriage for both of us and he has one adult daughter from his previous marriage. When we got together, I moved into his home. I’m unable to work at present due to ill-health and my husband’s health isn’t great, either. It’s been making me think about my financial future. I’ve been asking my husband to make a will so that I will have our bank account and our home to rely on if anything happens to him. He refuses point blank to even discuss the subject. If he dies without a will, will I be able to access our assets?