What is a will and why do I need one?

A will is a legal document that says who gets your things and who looks after your children after you die. You need one to make sure your wishes are followed and to give your loved ones peace of mind.

Why it matters

Without a valid will, the law decides who inherits your money, property and possessions. This can leave family members confused, cause delays in dividing your estate and even lead to disputes. Writing a will gives you control and helps avoid stress for those you leave behind.

What is a will?

A will (sometimes called a “last will and testament”) is a written record of:

• Your estate – money, property, personal items.
• Your beneficiaries – the people or charities you choose.
• Your executors – the person or people who sort out your estate.
• Guardians for children – who looks after any under-18s.

As long as you’re 18 or over and of sound mind, you can create a will using our online service.

Why you need a will

1. Make your wishes clear
   You decide who gets what—your home, savings, keepsakes—and in what share.
2. Protect your loved ones
   You can appoint guardians for under-18s and trustees to look after gifts for young or vulnerable people.
3. Reduce family disputes
   Clear instructions help prevent arguments and lengthy court cases.
4. Plan for tax
   A will can include measures to lessen Inheritance Tax, keeping more for your heirs.

Common mistakes

• Not updating it. Life changes like marriage, divorce or new children mean you should review your will.
• Poor storage. If executors can’t find your will, the law steps in. Keep it safe—our service offers secure digital storage.
• Illegible handwriting. Our online form ensures clarity and avoids confusion over handwriting.

Next steps

1. Try our Estate Planning Health Check to see exactly what your will needs.
2. Complete your details in our paid online will-writing service—it guides you step by step.
3. Once you receive your will, make sure you sign it with the required witnesses and store it safely.