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Thanks for your advice everyone, will take a more detailed look through in the coming days. May also update this thread with what I found incase it helps anyone else down the line.

I did have a search and couldn't find a similar thread, but apologies if I've missed it. Mods feel free to merge in that case. I'm going to be 40 this year, have two young boys under 4 and a wife. If anything happens to me I want to make sure they're taken care of. I've had contact with a few...