Nigeria, Aug. 1 -- If you die today, the people you love the most may suffer not because you didn't leave something behind, but because you didn't leave it properly.

We don't like to talk about death. But if you love your family, it's not a conversation you can afford to avoid. You see, in Nigeria, most people think "Next of Kin" means "automatic beneficiary." It doesn't.

That name you filled in the bank form? It might mean absolutely nothing when the chips are down.

When you die, your so-called Next of Kin cannot just stroll into the bank and withdraw your money. Banks do not operate on sentiment. They operate on law. And unless your Next of Kin is a signatory to your account or you left a legal will they will be locked out.

And then...