Published by Joe Davine on
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The different ways to write a will

After providing for your loved ones throughout your life, leaving a parting gift is a final display of love. Creating a will is essential to make sure your money and possessions go where you want them to, and to avoid problems that can arise for those you leave behind if you die intestate (without a will).

Given the importance of this legal document, you’ll want to find the right will writing service. And while it’s very easy to keep putting things off until tomorrow, it’s important to accept, uncomfortable though it is, that one day tomorrow won’t come.

With the help of Pure Cover, it has never been simpler to gain the peace of mind that comes with having a legally binding will in place. Here you’ll find the answers to many commonly asked questions and indications of the different options you have in making a will.

What Happens if I Die and Haven’t Written a Will?

If you don’t have a legally valid will in place, your assets will be distributed according to the law. This strictly puts limits who is allowed to inherit anything from spouses, civil partners, and some other close relatives. Not having a will can also mean it takes years to resolve what happens to your estate, leaving your family in limbo sometimes for years after your death.

A point that is worth repeating is that if you and your partner are not married and do not have a civil partnership, they have no right to inherit without it being stipulated in a will - regardless of the length of the relationship.

Dying without a valid will also mean that a higher degree of inheritance tax is likely to be paid on your estate. This, on top of making it hard to administer and limiting who can inherit, is why it’s important to have a will in place.

Why Shouldn’t I Write my Own Will?

It is possible to write your own will using a will writing template available in stationery shops or online. The risk of doing this is that you won’t have any legal protection if you make a mistake in writing your will.

DIY will writing is only really a valid option for the most simple situations. If there’s anything complicated in your situation such as past marriages or stepchildren you should at the very least get a professional to check it.

How Much Does Getting a Will Professionally Written Cost?

When getting a solicitor or other legal will writing professional to write a will the cost will vary depending on your situation, but it usually falls within the area of £150 plus VAT. This can seem expensive, but will writing is often a complicated process and getting a will writing professional to write it also comes with legal protections, meaning your family can seek recourse for any mistakes that cause complications after you’re gone.

Is There Any Financial Support Available for Will Writing?

There are a variety of ways to cut the cost of getting a will written professionally. You may qualify for financial support, or even a completely free professional will, through your employer or trade union (if you’re a member of one). Many life cover policies offer a will writing service as standard, so you may want to have a browse of the insurance options elsewhere on this site.

There are also many charities that offer to help with will writing process, usually completely free of charge. You are not required to do so, but seeing as the charity will be spending money to help with your will writing, it’s generally expected that you leave a small bequest for the charity in your will so as to enable them to offer the service to others.

How Do I Know a Will is Legally Binding?

The first thing to know is that a will can only be produced by someone who is 18 or over. On top of this, there are several other requirements for a legally binding will, these include:

  • The will must be made by someone of a sound state of mind.
  • It must not have been written under any undue influence or coercion.
  • The testator (person writing the will) must sign the document.
  • Two witnesses must also sign the will.

  • If you use a professional will writing service then you can be assured that all of these conditions will be filled. If you’re writing your own then it’s important to pay very close attention to make sure they are.

    What Is My Estate Actually Worth?

    Put simply, the value of your estate is the value of your assets minus your liabilities. During will writing process, it’s important to know what your estate is actually worth so you can then start to work out which people you wish to leave parts of it to. To do this, you’ll need to consider your debts (such as mortgages and loans) and subtract them from your assets (such as property, money, and stocks and shares).

    What Happens With My Will When I Die?

    Once you pass, there are various other elements that may come into play before your will is formally read. This list can include funeral plans, insurance payouts, and precautionary financial measures, as these can impact the value of your estate.

    When it comes to distributing the estate, a legal representative named by you will serve as the executor. This can be anyone older than 18 and it is quite common for it to be one of the beneficiaries of the will. It’s a good idea to name 2 executors (you can name up to 4) in case one of them were to die before you.

    How Regularly Should My Will Be Updated?

    While there’s no one-size-fits-all answer to this question, the general rule of thumb would be every 3-5 years. This is a period of time in which your financial situation could encounter a considerable change. Sticking with an outdated will won’t be as damaging as not having one at all, but it can still cause a few issues.

    Additionally you should change your will whenever your situation significantly changes. The birth of a new family member or the death of a previously named recipient is usually the most common reason for a will being changed. As long as the document reflects the current situation in a fair manner, there’s nothing to fear.

    Where Can I Go to Find a Good Will Writing Professional?

    That’s an easy one: right here. We’ve compared the options available to find you the best deal.