David is 18 years of age and has just started his first job. His employer is making compulsory superannuation contributions for him and, as a member of the fund, he is automatically eligible for $100,000 of so-called group life and total and permanent disability cover. David still lives at home with his parents and has a girlfriend of some two years and, according to your clients (his parents), they have recently been talking about marriage. Privately, the parents are concerned Davids girlfriend could be pregnant.

A. Does David need a will, mindful that, apart from his superannuation, he has no other assets?

B. Why is it important to establish the competence of a client at the inception of an estate planning engagement?