Trust & will guidance.
Where a policy is best written into trust for tax reasons, we walk you through it. Where a basic will would save your family a lot of hassle later, we point you at a solicitor we trust.
The simple bits that save your family a lot of hassle.
A life policy written in trust pays out directly to your beneficiaries, quickly and outside your estate for inheritance tax purposes. A basic will names who inherits what and, more importantly, who has legal authority to manage the estate. Neither costs much to set up, and both save your family enormous hassle at the worst possible time.
- Policies in trust — We arrange for suitable life policies to be written in trust at no extra cost.
- Trust benefits — Faster payout, avoids probate, may reduce inheritance tax.
- Basic will introduction — We point you at a solicitor we trust for straightforward will drafting.
- Lasting power of attorney — Where relevant, we flag whether a LPA would be worth arranging.
- Sensible defaults — This is not the flashy end of financial services, but it is often the most useful.
Three steps. One person. No jargon.
The same process for every trust & will guidance enquiry, whether it is your first mortgage or your fifth.
The household conversation
We start with who depends on your income and what your household commitments look like, before we look at any policy.
Compare the small print
We compare exclusions, definitions, and premiums across the market. Cheaper is not always better on protection.
Written recommendation
You get a plain-English report explaining what we recommend, what it covers, what it does not, and what it will cost.
What you will pay.
Writing a policy in trust costs nothing — we help you complete the trust deed at the same time as arranging the policy.
Will drafting and lasting powers of attorney are handled by a solicitor. Their fees are separate and typically start around £150 for a simple will, or £400 for a will and lasting power of attorney bundle.
Questions we get about trust & will guidance.
01Why should I write my life policy in trust?+
A policy in trust pays out directly to your named beneficiaries without going through probate. That means the money arrives in weeks, not months. It also usually sits outside your estate for inheritance tax purposes, which can save your family thousands.
02Do I need a will if I am married?+
Yes. Without a will, the rules of intestacy decide who inherits what — and the answer is often not what you would have wanted, particularly for unmarried couples, blended families, or estates over £322,000.
03Can you write my will?+
No, wills are drafted by solicitors. We can point you at a local solicitor we work with regularly for straightforward will drafting, at a fair fixed fee.
Where clients typically go next.
Life happens.
Let’s take care of it together.
Book a call directly with Anthony. Evenings and weekends available. No forms up front, no pressure.