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Wills are a legal document that give you the chance to say what you want to happen to your property and other things, if you die.

A will isn’t just about saying who you want to inherit your property when you die. It can include things like where you want your money to go, what you want to happen to any pensions or insurances that you have and even the people that you don’t want to receive anything.

You can also include statements about who you want to take care of your children if you die, and much more.

Will Writing Services

We are not experts in writing wills, so we have teamed up with a firm that are. Remember, a will is a legal document and you want to make sure that you get it right.

You can book your appointment with OnPoint Wills & Trusts through us, to access their simple and straightforward advice today.

There are some common misconceptions about wills:

  • You don’t need a will if you are married
  • Wills are for people in their 50s
  • You only need a will once you have kids

Let’s take each of these at a time.

You should have a will in place even if you are married. Married couples inherit each others property and assets when one of them dies. But. There is something known as the Law of Intestacy.

The Law of Intestacy in England and Wales state that:

  • If a person’s estate is worth up to £270k then all of this will be inherited by their married partner
  • If a person’s estate is worth more than £270k then their married partner is entitled to this, all of the personal possessions, plus half of anything over this. The other half is inherited by children or grandchildren.

It’s incredibly important to understand this as there have been some really sad situations, where people have been forced to sell their homes, to pay the half that is due to their children or grandchildren. They would not have had to do this if they had a will in place. This is highly technical and we won’t go into it in detail here (it’s not our expertise remember), but we cannot state just how important it is to have a will in place.

Estate doesn’t just mean property. It also includes any assets that you have such as cash, jewellery, investments, car, even things like a bike.

Wills are for anyone over the age of 18 that have an estate that they want certain people to inherit. People tend to think about this once they own a property, or they think it’s what you do when you’re older and more grown up. Something to put in the diary for when you turn 40. 

As a single person or if you are part of a cohabiting couple, putting a will in place is even more important. You don’t have that initial £270k protection of inheriting assets that married couples have.  

On the last misconception you might have children and want to put plans in place in case you die before they are 18 years old. This is really sensible. But you can still need a will even if you don’t have children.

Ultimately, most of us are not experts in law and need guidance on how to best put these legal protections in place when we die. OnPoint Wills & Trusts are able to give you the peace of mind that you’re looking for.

Lasting Power of Attorney

Lasting power of attorney(LPA) is a legal position that is given to someone to help another person with their financial and health decisions.

A person can have two LPAs: one for health, one for finance. These can be essential to help people if they lose capacity to make their own decisions. It can be quite tricky to put these in place once someone has already lost the capacity to make decisions and look after themselves.

It’s very common to not think about putting LPAs in place, before something happens that makes you really need one. 

We do not provide advise on lasting powers of attorney but thhere are times that we may ask to see a lasting power of attorney to provide advice. This is most likely if you contact us to arrange insurance a for person that is unable to communicate with us due to their health conditions.

OnPoint Wills & Trusts can provide you with the advice you need on how to arrange your LPA.

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Will Writing Services

Dr Kathryn Knowles Phd

Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Will Writing Services

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