A will is a legal document that makes sure that your assets go where you want them to after you have passed. Having a will means your hard-earned savings benefit the people you love rather than anyone else.

If you would like to decide who will inherit from your estate and how much they receive then you will need to make a will. A will clarifies your wishes and can also help reduce estate administration fees.

Yes, we do. Whether during the day, in the evening or weekends, we’ll come to you at the most convenient time. Meeting people face to face is very important to us to build relationships, and our customers prefer it too!

Our first home visit takes around an hour, during which we’ll gather all the relevant information and discuss your particular circumstances. We then go away and draw up the documents, returning no more than two weeks later for you to sign them in the presence of witnesses. In total, the whole process should take no more than two hours of your time.

For a basic will, we don’t need to see anything. However, proof of identification like a passport, driving licence or birth certificate is helpful.

For peace of mind, we can store your will for you for a small charge per year. Otherwise, you can store your will yourself. We recommend storing it in a safe place, along with any other legal or official documents you might have. You must tell everyone mentioned in the will – your partner, children and relatives – where it is.

An executor carries out your instructions in your will, such as selling your property and ensuring that the correct amount of tax is paid on your estate. You list executors in your will, and they can be among the beneficiaries. You can have up to four executors. This can be useful if you want different people for different tasks, such as family matters and sorting out taxes.

If you do not want an ex-partner to receive any of your money after you have passed, you can write a will so they get nothing. That’s assuming you’re divorced and you have the legal document to prove it.

If you don’t have a will, it’s not certain that your children will not get any money. When someone passes without a will, it’s known as dying intestate. When this happens, your married or civil partner gets the first £270,000 of your estate. If anything is remaining, they also get half of this. Your children will then get a share of what’s left, divided equally between them. With a will, you can give your children exactly what you want them to have.

A lasting power of attorney (LPA) is a set of documents that legally allows other people to act on your behalf if you can no longer make decisions for yourself. The person who has the legal authority to make such decisions, for example accessing a bank account, is known as an attorney.

There may be a time when no one can legally make decisions for you if you didn’t create an LPA earlier. Paying bills, care costs, or making decisions about your future care can then become incredibly difficult.

It’s impossible to know when you might need a lasting power of attorney, and we recommend that everyone create an LPA. As you get older, this is increasingly
important as illnesses such as dementia become a higher risk.

It makes sense to complete your will and lasting power of attorney together. Both these documents will give you peace of mind that you are prepared in case anything happens to you.

A trust is the legal owner of assets. Because the trust becomes the owner of your assets, It ensures that tax inspectors or ex-partners are unable to get hold of them, because you don’t own them. This can be incorporated into your will.

You can choose anyone, but you should ensure that you’re confident that you can rely on these people to carry out your wishes when you’re no longer here. Typically,trustees are family members or close friends.

Yes, of course. You can nominate a funeral director if you have a preference, or we can choose a reputable local firm on your behalf. It is also possible to change the firm you wish to use, however, once the plan holder has passed, no further changes can be made.

For the funeral to go ahead, the unpaid balance will need to be paid by your next of kin. Dedicated funeral loans are available from specialist lenders should they not be able to pay.

Our generous allowance covers the major third-party fees today. This allowance will grow in line with the consumer price index.

Of course. If a family member or friend predeceases you, you are welcome to transfer your plan with no admin fee to pay.

Though repatriation costs aren’t included as standard, this is certainly something we can arrange for you as an addition to your plan. Otherwise, we would recommend ensuring that your travel or health insurance policy covers repatriation costs. When the body arrives at a UK airport, the plan would cover transport to the funeral director’s premises. There may be an extra charge if the collection distance exceeds 25 miles, as with a death in the UK.

Just inform us of your change of address and we’ll update our records.

Let us know and we’ll update our records. This may mean that we have to change the nominated funeral director.

We’ll get in touch with you to change to another reputable local firm.

If the payments are made over two years or more, we pass on a small processing charge to cover our admin costs as it takes time for us to process each payment.