Wills & Power of Attorney

A Will makes sure your money, property, and possessions go to the people you choose. A Lasting Power of Attorney makes sure the right people can make decisions for you if you ever cannot. Both are straightforward to put in place, and we can connect you with a specialist Will writer or solicitor who will guide you through the process. The introduction costs you nothing; we may be paid by the firm we introduce you to. Will writing and lasting powers of attorney are not FCA-regulated activities, so FCA protections and the Financial Ombudsman do not apply to them.

Why a Will and LPA matter more than most people realise

Without a Will, the law decides who inherits your estate, and the result may not be what you would have wanted. Without a Lasting Power of Attorney, your family may have to go through a lengthy and expensive court process to manage your affairs if you lose mental capacity. Both documents are relatively straightforward to put in place, and the peace of mind they provide is significant.

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Free Trust Service, Included for Every Protection Client

When we arrange your life insurance, we include free trust guidance as standard, which usually helps the payout reach your family quickly, normally outside probate and inheritance tax. A trust works alongside your Will, not instead of it.

Find out about our free trust service

What we can introduce you for

Single Will

A legally binding document that sets out who inherits your estate, who looks after any children, and who you appoint as executor to carry out your wishes.

Mirror Wills

A pair of Wills for couples that mirror each other, typically leaving everything to the surviving partner, then to children or other beneficiaries.

Property trust Will

Protects your share of a property for your chosen beneficiaries, useful for blended families.

Lasting Power of Attorney, Property & Financial Affairs

Allows a trusted person to manage your bank accounts, property, bills, and finances if you lose mental capacity or simply want help managing your affairs.

Lasting Power of Attorney, Health & Welfare

Allows a trusted person to make decisions about your medical care, where you live, and your day-to-day welfare if you are unable to make those decisions yourself.

Will review

Already have a Will? Life changes, marriage, divorce, new children, or a change in assets, can affect whether your existing Will still reflects your wishes.

Why sort your Will and LPA now?

Protect unmarried partnersWithout a Will, an unmarried partner has no automatic right to inherit, regardless of how long you have been together.
Appoint guardians for childrenA Will lets you name who you want to look after your children if you die before they are adults. Without one, the court decides.
Avoid the intestacy rulesDying without a Will means the law distributes your estate according to fixed rules that may not reflect your wishes or family situation.
Reduce inheritance tax exposureA well-structured Will, combined with trusts and life insurance in trust, can help reduce the inheritance tax your estate pays.
LPA must be in place before it is neededYou cannot set up a Lasting Power of Attorney after losing mental capacity. Once it is too late, the only option is a court-appointed deputyship, which is slow and expensive.
Peace of mind for your familyKnowing your wishes are documented and legally binding removes uncertainty and potential conflict for the people you leave behind.
An older and a younger hand together, passing something on

How to get connected to a Will writer or solicitor

1

Get in touch

Tell us what you need. A Will, an LPA, or both, and a little about your situation.

2

We make the introduction

We introduce you to a specialist Will writer or solicitor we know and trust. The introduction is warm. They will know your situation before they call.

3

The specialist gets to work

They contact you directly, take your full details, and guide you through the process of putting your documents in place correctly.

4

Your wishes are protected

Once signed and witnessed correctly, your Will and LPA are legally binding, giving you and your family the certainty you need.

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Wills and LPA questions answered

What happens if I die without a Will?
If you die without a Will, your estate is distributed according to the intestacy rules, a fixed legal framework that may not reflect your wishes. Unmarried partners have no automatic right to inherit. Children from a previous relationship may be overlooked. The court decides who looks after any minor children. A Will puts you in control.
Do I need a solicitor to write a Will?
You do not legally need a solicitor, but for anything other than a very straightforward estate, professional guidance is strongly recommended. Errors in a Will can make it invalid or cause it to be interpreted differently to your intentions. A specialist Will writer or solicitor will ensure your Will is correctly drafted, signed, and witnessed.
What is a Lasting Power of Attorney?
A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more trusted people to make decisions on your behalf. There are two types: Property and Financial Affairs (managing your money and property) and Health and Welfare (decisions about your care and medical treatment). Both must be registered with the Office of the Public Guardian before they can be used.
When should I set up a Lasting Power of Attorney?
As soon as possible, and certainly before you need it. An LPA can only be set up while you have mental capacity. If you lose capacity before putting one in place, your family will need to apply to the Court of Protection for a deputyship order, which is a lengthy and expensive process.
How does a trust work alongside a Will?
A trust is a legal arrangement that holds assets for the benefit of named beneficiaries. Life insurance written in trust pays out directly to your family without going through your estate, meaning it usually bypasses probate and is normally outside your estate for inheritance tax. A trust works alongside your Will, not instead of it.
Is the introduction really free?
Yes, we make the introduction at no cost to you. The Will writer or solicitor will make their fees clear before any work begins.

Explore our protection services

Life InsurancePays a lump sum to your family if you die, write it in trust to keep it out of your estate. Free Trust GuidanceWe include free trust guidance with every protection policy, which usually keeps the payout outside probate and normally outside inheritance tax. Critical Illness CoverPays a lump sum on diagnosis of a serious illness, financial protection while you are still here. Income ProtectionReplaces your income if you cannot work, keeping your family financially stable.

Guides on this

Putting cover in trustThe document that sits alongside a will.Pensions on deathYour will does not control your pension.

Where a will is not enough on its own

Cover with a health conditionDiabetes, cancer, mental health, blood pressure. Start here.If you are not marriedThere is no common law spouse. Your partner may get nothing.Should it be in trust?Usually free, and it decides who gets the money when.How long does it take to pay?Weeks in trust. Longer if it waits for probate.

Talk it through with us

Tell us what you have in mind and we will come back to you, usually the same day. We are open Monday to Saturday, 9am to 8pm.

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