Who should I leave my estate to?

Leave your estate to those you trust most, such as family, close friends or charities you care about.

Why it matters

Naming the right beneficiaries makes sure your money, property and possessions go where you want. It can also reduce disputes, speed up probate and help loved ones feel secure.

Who to consider

• Spouse or civil partner: Often first in line and usually entitled to most or all of your estate.
• Children and grandchildren: You might divide your estate equally among them or give different shares based on need.
• Other family members: Parents, siblings or nieces and nephews if your partner or children are already provided for.
• Friends: If someone outside your family has cared for you or deserves a gift, you can name them too.
• Charities: You can leave a lump sum or a percentage to a cause you support.
• Digital or sentimental gifts: Specify who gets items like photos, online accounts or heirlooms.

How to decide shares

1. Fixed sums vs percentages: Decide if you want to leave a set amount or a share of what’s left.
2. Residuary estate: After fixed gifts, the rest is split among residuary beneficiaries.
3. Contingent beneficiaries: Name backups in case someone dies before you or can’t inherit.

Common mistakes

• Being too vague: “My best friend” can cause confusion. Use full names and relationships.
• Forgetting digital assets: Specify who gets your online accounts and passwords.
• Ignoring secondary gifts: If a beneficiary dies first, your estate could pass under intestacy rules.

Next steps

1. Try our Estate Planning Health Check to list who matters most to you.
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.

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