Will making

Tricia, assuming you haven't made Wills, DO IT NOW! If you made old wills before you married, they were revoked by the marriage so you don't have Wills

Any assets you own jointly will pass to the survivor the survivor and then by their Will or their intestacy to their family. Any assets in your sole name will pass to your spouse and then under their will etc.

You should take advice from a specialist Solicitor (member of Society of Trust and Estate Practitioners, STEP, and/or Solicitors Forth the Elderly, SFE)

You need wills with trusts.

Thanks Iain I thought that would be the case.
As I'm older than my husband I'm likely to die first. He says he would spend it all, but ultimately his daughter would inherit anything left. We haven't so much, btw. It just seems a bit unfair on my 3.
Not that they're very materialistic, but I've seen the discord in families about things like this, and wouldn't want it to happen to our family.
Husband won't think about it.

Trish, have you thought about giving your children some money NOW, while you're still alive? That way, dh doesn't have to think about them if he doesn't want to and you won't have to worry about resentment in the family after you're gone. Make sense?

Thanks starlady, that's a good idea, but we don't have actual money. We do have 2 houses, one in England and one in France.Different rules for each country. We should sell this one (France) but houses like ours aren't selling at the moment, too many on the market.