Making a Will: Protecting What Matters Most

Many people think wills are only for the elderly or the wealthy, but in reality, they’re for anyone who wants to make things simpler for their loved ones. A will isn’t about dwelling on the future, it’s about taking control and ensuring your wishes are respected.
If you pass away without a will in the UK, your estate is divided according to intestacy rules, a strict legal framework that might not reflect your wishes. For example, unmarried partners or stepchildren may receive nothing, and disputes between relatives can easily arise.

Why Having a Will Matters

You Decide Who Inherits
Without a will, the law decides who gets what. With one, you decide from who should receive your money, property, and possessions to how those assets are distributed.

Protect Unmarried Partners
Under UK law, unmarried or cohabiting partners don’t automatically inherit unless they’re named in a will.
If you want your partner to be provided for, including them in your will is essential.

Appoint Guardians for Children
If you have children under 18, your will lets you choose who would care for them should the worst happen.
Without this, the courts decide and their choice may not reflect your wishes.

Prevent Family Disputes
A clear, legally valid will helps minimise confusion and arguments, giving your family clarity and peace of mind during an already emotional time.

Support a Charity
You can leave a gift to a charity or cause close to your heart.
Many UK charities even offer free or discounted will-writing services in return for a small legacy gift.

Speed Up the Legal Process
A properly written will simplifies probate (the legal process of handling your estate), making things faster and less stressful for your family.

Help Reduce Inheritance Tax
With professional advice, a well-structured will can help reduce the amount of Inheritance Tax due, through options like trusts or charitable gifts.

How to Make a Will

There are several ways to create a will in the UK, depending on your circumstances and budget:

Use a Solicitor
Best for peace of mind and complex estates particularly if you own property abroad, have stepchildren, or wish to set up trusts.

Use a Professional Will-Writing Service
Often cheaper than a solicitor and suitable for simpler estates.

Online or DIY Wills
Convenient and affordable, but use with care as mistakes can make your will invalid.

For a Will to Be Legally Valid, It Must Be:

Made voluntarily and without pressure
Made by someone aged 18 or over and of sound mind
Signed in front of two witnesses, who must also sign (and cannot be beneficiaries)
It’s also vital to review your will regularly, especially after life events such as marriage, divorce, buying property, or having children.

Lasting Power of Attorney (LPA): Planning for the Unexpected

While a will protects your wishes after you pass away, a Lasting Power of Attorney (LPA) protects you while you’re alive.
An LPA allows someone you trust known as your attorney to make decisions on your behalf if you become unable to do so yourself (for example, due to illness, accident, or loss of mental capacity).
The two main types of LPA are:
Health and Welfare LPA: Covers decisions about your medical care, daily routine, and living arrangements.
Property and Financial Affairs LPA: Covers managing your bank accounts, paying bills, and handling property or investments.
Without an LPA, your loved ones may have to go through the Court of Protection to gain control of your affairs, a lengthy, costly, and stressful process.
You can apply for an LPA through GOV.UK or seek help from a solicitor for extra guidance.

Don’t Wait — Act Now

Making a will and setting up a power of attorney isn’t about expecting the worst, it’s about making life easier for the people you care about. Both documents provide clarity, control, and peace of mind, ensuring that your wishes and your family are protected.
You can always update your will or LPA later as your life changes but the key is to get started today.

disclaimer

This information is for general guidance only and should not be taken as legal advice.
Laws around wills, inheritance, and power of attorney can change, and personal circumstances vary.
Always seek advice from a qualified solicitor or legal professional to ensure your will and LPA meet all current legal requirements.