By Marie G. Michaels ( November 4, 2021, 8:44 AM EDT) -- For more than a decade, survey after survey conducted by the big banks have shown that about 50 per cent of Canadians still do not have a will. If any of these apply to you: 1) you are over 18; 2) have a spouse or children; 3) have disabled/special needs children; 4) are looking after elderly relatives; 5) own property; or 6) are a business owner with assets, employees and clients/customers, you really need a will to make it clear what you want to have happen when you die....