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Protect Your Family With a Will to Suit Your Needs
Protect Your Family With a Will to Suit Your Needs
Why Do You Need a Will?
In the UK, if you die without leaving a valid Will, it’s known as dying intestate. This basically takes away your control of who inherits your estate, leaving it to the government’s guidelines to distribute any finances, property or other assets you have.
If this is the case, your assets might not go where you’d want them to. The rules of intestacy follow a strict order and don’t take your personal circumstances into account. This could potentially cause a lot of upset for those you leave behind.
60% of UK Adults don’t have a Will
£15bn of inheritance has been left unclaimed
72% of those aged 35-54 haven’t made a Will
19% of people admit they don’t like discussing death
If you leave a valid Will, you can:
- Make it easier for your family to organise your estate
- Help reduce the amount of inheritance tax paid on the estates of your loved ones
- Nominate guardians for any children or pets you leave behind
- Ensure your loved ones are provided for by safeguarding your assets
Why Create an Online Will Instead of Using a DIY Will Kit?
Sure, you could pick a DIY Will kit off the shelf. They’re easily accessible, and seem convenient enough. The problem is that they’re mass produced and generic. They’re one-size-fits-all, but life isn’t like that, is it?
Everyone’s circumstances are different. What you want in your Will probably won’t be what I want in mine. They’re complicated legal documents and they need to be tailored exactly to your needs. You can’t really afford any confusion or ambiguities, unless you’re happy to risk the Will being invalidated. It’s a lot safer to have it professionally checked – that way, you know it’s fit for purpose.
See the table below for a comparison of Online Wills and DIY Will templates.
Think you might need a Bespoke Will?
If your needs are more complex, an Online Will might not be enough. Take a quick test to see if a Bespoke Will suits you better.
DIY Will Kit
Vital Online Will
|Price||Approx. £13.00||From £95.00|
|Costs less than a solicitor|
|Customised to your circumstances with our intelligent Will builder|
|Comes with a tailored help guide to explain your Will in clear terms|
|Choice to create a Mirror Will with a partner (additional fee applies)|
How Does Our Online Will Service Work?
Fill in the simple online form to create your Will.
Our dedicated Wills experts will check your Will is fit for purpose.
Once approved, you’re free to download your document(s).
Sign your Will alongside your chosen witnesses. All done!
Choose to have your Will bound in a secure and professional manner to protect it from damage and ensure it can’t be easily tampered with.
Create a Duplicate Will to Express Your Wishes Together
Mirror Wills are often used to express common intentions – like partners inheriting each other’s estates when they die. Unlike outdated Joint Wills, Mirror Wills aren’t legally tied – each Will can be changed separately if you have different wishes in the future.
If neither partner has a Will in place, you lose control over what happens to your estate when you die. Creating Mirror Wills allows you both to protect each other, as well as any children you have, without being tied to the same Will.
Susan and Mike are divorced but have 2 children together. When they separated, the children stayed with Mike whilst Susan moved in with her new partner, Paul. Susan and Paul later married, but unfortunately Susan had a sudden illness and passed away. As Susan didn’t leave a Will, all of her estate was left to her new legal partner, Paul. Her ex-husband and children received none of her assets, which could have helped raise the children and been invested for their future.
How Would an Online Will Help Susan?
If Susan had made an Online Will, she could have expressed her wishes for a portion of her estate to be left to either or both of her children or, if she preferred, her ex-partner to help look after the children. Even though Susan has 2 children, the rules of intestacy in the UK always leave the first £270,000 of any estate to the surviving legal spouse. Anything above this amount is shared equally between the spouse and any children, but as Susan’s estate was valued at less than this, the children received nothing. If she had a Will, she could have left assets to her children.
Sam and Julia get married and move in together, along with Julia’s child, Adam, from a previous relationship. They go on to have two more children together. A few years pass and Sam dies after suffering a serious illness. He hasn’t left a Will, so the rules of intestacy control the distribution of his assets, which are worth £600,000 in total. As his spouse, Julia gets the first £270,000 from Sam’s estate, and she also gets a 50% share of all of the assets over this amount – £435,000 in total. Sam’s two children from their marriage receive £82,500 each. However, as Sam never formally adopted Adam, he receives nothing. This, understandably, causes issues in the family.
How Would an Online Will Help Sam?
If Sam had made an Online Will, he could have made sure Adam was provided for alongside his and Julia’s biological children. This would have avoided any in-family disputes and ensured that Adam felt valued in the same way that his half-siblings were. Each of the 3 children could have received £55,000 each, or Sam could have just divided his estate however he wished.
Anna and Jenny are common-law partners. They’ve lived together for 6 years, but haven’t entered into a civil partnership or marriage. The flat they share belongs to Anna. Anna dies, and Jenny can’t make a claim on the property (or any of Anna’s estate) as they aren’t legal spouses. They both assumed that because they lived as common-law partners, they’d automatically have rights to each other’s assets should the worst happen. This isn’t the case. All of Anna’s estate, including her flat, is passed directly to her parents through the rules of intestacy. Anna had a difficult relationship with her parents and they aren’t supportive of helping Jenny financially, leaving her in a difficult situation.
How Would an Online Will Help Anna?
By making an Online Will, Anna could have ensured that Jenny was provided for. It’s a common misconception that living together entitles each partner to the other’s assets. Expressing your wishes in a valid Will can easily overcome these issues and in this case, Jenny would have been able to remain in the flat and take over the ownership. She could also have benefited from any capital that Anna had left behind.
Why Choose an Online Will With Vital Documents?
Using our simple Online Will service isn’t only convenient, but it gives you peace of mind knowing that you’ve got a legally sound Will that’s right for you. Most online services only offer a single service; a “one-size-fits-all” Will. We know that a simple Will can be alright for most people, but it’s just not enough in some circumstances.
That’s why we take care in helping you determine whether you should create an Online Will, or whether you’d be better speaking to one of our specialists for further advice about a bespoke service before you start your estate planning. Whichever option you choose, you can be sure that you’ve got it right first time and you’ll avoid any costly mistakes.
Understanding a Will’s legal language can be confusing! That’s why all our Wills are accompanied by a simple, jargon-busting guide, which explains your Will one section at a time.
Choose Our Online Will Service If…
You’ve got simple wishes for how you’d like your assets distributed.
Your estate will fall below the threshold for inheritance tax.
You don’t own a business or any shares in a business.
You don’t own any property or assets overseas.
You’re confident that your Will won’t be contested by family or other beneficiaries.
You don’t want to leave any of your assets in a Trust (see more about Trusts here).
Fill in the form to get in touch with our expert team. We’ll get back to you as soon as we can.
How will this questionnaire help me?
Wills can be complex legal documents and there are more than one type available. We offer a range of will services, because we know it’s important to ensure you get the service that’s right for you, at the best possible price.
By answering a few important questions, you can be confident that you’re not missing anything major which could cause complications in the future, and mean that your will is not fit for purpose.
Click the button below to start the questionnaire.
Things of value you have in your possession, which are able to be passed on to another person.
A person who receives money or other benefits from a Will or Trust.
Challenging the legal validity of a Will.
The sum of a person’s assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time.
Someone who is responsible for executing, or carrying out the instructions of a Will.
Passing on private property, rights, and other assets upon the death of an individual.
A tax on the estate (the property, money and possessions) of someone who’s died.
Government standard rules which apply when someone dies without leaving a valid Will, which dictate who is able to inherit that person’s assets.