PROTECT your Spouse / Partner / Civil Partner and Children of previous relationships.

Married:

When we are young we think we are invincible and a Will is probably the last thing we would ever think about. Sadly, you only have to look back at some of the famous names who, in their 20's, 30's and 40's, recently left this planet unexpectedly.

Young Married couples sometimes think that they don’t need to make a Will because they perceive that they don’t have much to leave.

If you are buying your home and have a mortgage protection policy then it usually pays off the mortgage if one spouse passes away; there may even be additional life insurance policies and death in service benefits that pay out. Suddenly the surving spouse finds themselves with assets; these assets now form their estate for any children or other loved ones. This estate can now be vulnerable to potential loss if not protected.

Without a Will, where does it say who you want to look after your young children if you were to both go?

Young married couples, unmarried partners, single mums and dads…....Having the “Right” Will  is a very important part of your life planning.

Remarried.

After the loss of a spouse, or after a divorce, it is quite common for people to marry again; often taking assets of their own into this new marriage.These assets may be pooled with those of the new spouse to buy a joint home together, or they may choose to live in the existing home of one of the spouses and put the new spouse on the deeds.

NOW IMAGINE THIS: The home you have with your current spouse is in joint names. Sadly, you leave this world suddenly and unexpectedly: now your surviving spouse owns the house 100% in his name.

He marries again and, some time later, gets killed in a car accident. If the house is now passed to the new wife what does that leave for YOUR children? ....Nothing?

When the new spouse passes away she may leave the house to HER children....or even to a "new" husband if she marries again. This could leave YOUR Children, yet again with Nothing the second time around!! 
(All this, of course applies to the male spouse too) 

Unmarried Partners.

Often, to their surprise, unmarried partners find that they have very little rights in law. If one of them were to pass away then the surviving partner could end up with very little or nothing!

Without a Will in place the assets of the deceased partner could go to his / her next of kin (parents, brothers and sisters) and not to their partner where they would have wanted them to go. This could not only devaste your partner it put them in serious financial crisis and cause untold stress and problems for the person you loved.

Making your Will can help ensure that your unmarried partner receives your estate and is secure.

Divorced.

There are huge numbers of people in the UK who are divorced. Becoming divorced may result in them having property and savings in their own name. Some choose to marry again or to cohabit with a partner, and others choose to stay single. 

Even where a Divorcee is currently unattached, their estate is as susceptible as a couple's to things like loss to care authorities, inheritance tax and other potential claims. 

It is very important that you make a new Will to reflect your new status and wishes..especially if you had Will when you were married.       

Separated.

If you are separated, or going through a divorce where there is no final settlement yet, then, if you were to pass away during this period your ex spouse may have a claim on your estate and could even get the house. 

Once again, it is very important that you make a new Will to reflect your new status and wishes.     

Civil Partners.

Civil Partners have the same rights as married couples. However, their estate is equally susceptible to loss to Care Fees, Inheritance Tax and other claims when the second partner passes away.This could substantially reduce the inheritance of those they wish to inherit after they have both passed away.

To ALL Married, Remarried, Unmarried Partners, Separated, Divorcees and Civil Partners…..

Having the "Right" Will and Planning can help ensure that those you love receive the MAXIMUM Possible…and that others don't!