After some internet searching I'm still confused about this.
So apparently it's common for it to be a memebr of the family. So, then who? In the natural order of things my parents might not be around when I die. My husband? But assuming he doesn't die he'd be the major beneficiary. My son is a baby. Or perhaps my sister is a logical choice? Obviously I need to ask whoever it ought to be, and I'm doing it on Thursday, but I'm confused as to who it should be.
So would anybody mind telling me what they've done, or can anyone give me a professional perspective, please?