Online Wills
Telephone Wills
Home Wills
4 OPTIONS TO GET YOUR WILL
ONLINE WILLS FROM £49.00 ONLY
You can choose between any of our online products where you simply answer
some straight-forward questions and submit your answers for checking. Your
checked and Legal Will is usually produced within 30 minutes ready for you to
print and sign.
TELEPHONE WILLS FROM £75 ONLY
Our most popular option – If you want guidance or are not comfortable with
computers then complete your will over the phone with one of our qualified
Will Writers. They will take down your instructions and write your Will as per
your verbal instructions. You can ask for advice within your phone appointment
and your Will is usually despatched within 30 mins via email PDF format. You
can download this or await delivery of your will the very next day ready for you
to simply sign and get witnessed.
HOME VISIT FROM £130 ONLY
If you would prefer a face to face meeting please arrange a Face- to Face
consultation in the comfort of your own home with one of our qualified
nationwide advisors then visit the contact us page and choose a time that’s
convenient to you .Home visits have a £100 surcharge to allow for extra time
and costs incurred.
POSTAL WILLS FROM £75 ONLY
If you would rather download your form and fill it in with your partner or are
not comfortable with computers then simply click on the postal envelope on the
bottom right of the screen and download your PDF (recommended format to
choose) questionnaire. You can either post or email it back once completed for
our team to draw up your Will. Telephone Prices apply.
00
Single Wills
Single Wills
Our Single Will is for any individual who wants to make a Will for themselves only.
Of course, they need to be over 18 and legally able to make a Will. They can also be married
(including civil partnerships), single, co-habiting, widowed or divorced.
If a couple wants to appoint different Executors or Guardians, or even leave their estate to
different people, then drawing up two Single Wills is the solution.
Our Single Will Service is Comprehensive
A Will is accurate and legal, and a complete package comprising:
• A Will Document
• A Will summary in plain terms
• Instructions for your Executors
• A detailed set of instructions for you to keep, explaining how the
Will must be signed and witnessed
• An e-mail from our qualified Will writers, who will give you
detailed commentary of any amendments
• Everything is in plain English and all documents are in easily
readable PDF format
Telephone Single Wills
£
75
00
Upgrade to a Mirror Will
for only £ 24.00 extra
GET YOUR WILL TODAY!
TELEPHONE WILLS
in 30 mins
Single - £75
Mirror - £99
Call us on Phone: 03300 101352 today
01
Mirror Wills
Mirror Wills
Legal Mirror Wills Made Simple
Mirror Will Writing Services
A pair of Mirror Wills (often called a Joint
Will) is usually the simplest and best value
way for a couple to draw up their Wills.
Wills-Online enables you to have two related
Wills with similar agreed instructions
covering your wishes for your estate, children
and executors for much less than the cost of
two Single Wills.
• A pair of Mirror Wills needs to be very
closely related, but you can still have minor
variations in your instructions. Since there’s a
significant amount in common, you make a
great saving.
You get all this with your Joint Will
• A pair of Mirror Wills
• A plain-English summary of the Wills
• Executor instructions
• Detailed, easy-to-follow instructions so you
can sign the Wills and have the signing
witnessed
• Our qualified Will writers’ e-mail to explain
any amendments that have been made
• Plain English documentation
• All documents in easily readable
PDF format
• Mirror Wills can take care of the major
issues for most families, but if you need to
have major differences between the Wills,
such as different Executors or Beneficiaries,
then you will need to use our Single Will
Writing Services.
Mirror Wills
£
99
00
Upgrade to a Mirror Will
for only £ 24.00 extra
GET YOUR WILL TODAY!
TELEPHONE WILLS
in 30 mins
Single - £75
Mirror - £99
Call us on Phone: 03300 101352 today
02
Living Wills
Advance Directive
An Advance Directive helps people to make
choices as to what they would prefer to occur
to them should they lack the capacity to
make informed decisions about the medical
care they may receive in the future years.
Such decisions could be the use of
cardiopulmonary resuscitation, the use of life
saving treatments where your capacity may
be impaired eg brain damage, stroke, head
injury or dementia. Religious reasons such as
blood transfusions can be decided whilst
your still in good health. Indeed any decision
where you feel there may be even a greater
risk to your life.
It differs from a Lasting Power of Attorney as
you cannot instruct someone to make those
decisions for you, on your behalf. You cannot
dictate a certain medical treatment or an
aided suicide – it does have limitations of
course.
Should a doctor or surgeon perform any life
saving treatment against your wishes you/
your family can make a legal claim against
them.
As such its advisable that your family and
your Doctor should be informed that such a
Directive exists.
Great care and consideration is given to your
wishes within your Living Will and as such we
offer 4 clearly laid out alternatives for you to
choose during the questionnaire process.
These are all explained in detail for your
assessment.
Simply call us now and let one of our
qualified experts construct your Living will.On
completion, payment and submission your
Legal Living will is delivered via PDF ready
for you to print and sign or next day post.
Living Will
79
£
9999 Mirror
£
99 Single
Advance Directives
Call us on Phone: 03300 101352 today
03
Living Wills
General Powers of Attorney
This is a Non Enduring Power which means
as soon as you are diagnosed as losing
mental capacity the Power ceases. The
opposite to a Lasting Power of Attorney this is
to appoint a person/persons to make
general decisions on your behalf. You may
not be positioned to make the meetings, be
out of the country or would just prefer to
hand all that over to a trusted loved one.
These are becoming increasingly popular
with the young and old. It is also important
to complement this General Power with a
Lasting Power should in the future you
become incapacitated.
Living Will
79
£
8999 Mirror
£
99 Single
Advance Directives
Simply call us now and one of our qualified
experts shall construct your General Power.
On completion, payment and submission
your Legal Living will is delivered via PDF
ready for you to print and sign or Next day
post.
We write your Lasting Power Of Attorney’s (LPA)
A Lasting Power of Attorney allows for you to control who decides certain elements of your life
after you have become unable to do so. Online Wills supplies our valued customers with 2 forms
of Lasting Power of Attorney’s (LPA’s) same day
The 2 types of LPA we offer are as follows:
Lasting Power of Attorney (Property and Finance)– controls who has the final word over your
property and affairs once you are incapable of making such a decision for yourself.
Lasting Power of Attorney ( Health and Welfare) – controls who has the final word over your
health and welfare once you are incapable of making such a decision for yourself.
When written alongside a Will, the Lasting Power of Attorney (in both formats) provides a
powerful and stable cushion to fall back on in times are hardship regarding any health
problems.
Call us on Phone: 03300 101352 today
04
What Does A Lasting Power Of Attorney Protect Me Against?
The LPA will protect you against the following:
• Falling ill
• Being mentally or physically incapacitated
• Knocked unconscious and unable to communicate
• Onset of a clinical condition (For example, dementia)
The LPA will provide a benchmark on how a situation should be resolved, most importantly by
someone who cares for your health, properties and welfare.
Call us on Phone: 03300 101352 today
05
Lasting Powers of Attorney
What If I Don’t Have A LPA And Something Unfortunate Happens?
If this is the case then as something unfortunate unfolds that renders you incapable of making
your own decisions or communicating them to those around you then your care will fall into the
Court of Protection where you will be charged for advice and help.
Alternatively you can choose to have a LPA opened at this time by applying to the Court of
Protection, although this process can take up to 10 months and cost upwards of £1000.
How Do I Make A LPA For Myself?
We have tried to simplify this for our valued customers as much as possible. We offer the Lasting
Power of Attorney, Health & Welfare (LPA-HW) and the Lasting Power of Attorney, Property &
Affairs to the public at an affordable rate.
What If I Want An Enduring Power Of Attorney (EPA)?
Unfortunately you cannot make a new or edit an existing Enduring Power Of Attorney (EPA). For
those who have produced one before October 2007 that was correctly signed and witness then it
is still valid.
Call us on Phone: 03300 101352 today
06
Protective Property Trusts
What Is A Protective Property Trust Will?
The Local Authority is able to seize a person’s home in order to pay for care costs. This will only
happen if the person in question owns the full share of their home, not including the mortgage
and their personal worth is more than £23,250.00 inclusive of the current value of their home.
What this means is if one spouse or partner passes away, and leaves the other as a survivor, who
then inherits 100 percent of the property and then goes into Long Term Care, the property in
question is almost certain to be seized by the Local Authority to pay for the costs involved.
On average the cost of care in the South-East is £750 per week – that’s
£39000 per annum.
Needless to say if you or your partner require care in the future in a care home or nursing
home it will not take long for your loved ones inheritance to vanish – yet if you had nothing
you would get your care home costs paid for FREE - hardly fair or fitting for your lifetimes
work and plans is it ?
It’s a small price to pay ( £149) to protect your life’s savings and protect your loved ones’
inheritance – Call us now, set aside 30 minutes and a Qualified Will Writer will prepare this Will
ready for you to sign same day. Protect your loved one’s inheritance today.
Call us on Phone: 03300 101352 today
07
Why Do I Need A Protective Property Trust Will?
A Protective Property Trust Will stops the Local Authority being able to seize the property by
ensuring that neither partner nor spouse owns the property fully. Keeping each share at 50%
even in the event of the death of one.
The Protective Property Trust Will stipulates that the first to die, will not leave their share to the
survivor, but instead specifies that the survivor continue to live in the property under the laws
of Life Interest or Right of Residence.
This means in short that the survivor doesn’t own 100% of the property, therefore the Local
Authority cannot seize the property to pay for any care costs, with the survivor in question still
being able to live, unhindered in the property with a 50% stake under Life Interest and Rights of
Residence.
Mum’s £250,000 savings are gone
Cecile Harris, 88, has eaten through more than £250,000 from a lifetime of work - but still
doesn’t qualify for full funding. Yet Mrs Harris is unable to walk, eat or go to the lavatory
unaided, and is in poor mental health.
She suffered a stroke in December 2003, and went in to a care home near Oxford in 2004.
Her three daughters, Gillian, 63, Jennifer, 61, and Carolyn, 58, have fought - without
success - to secure their mother NHS funding.
During this battle, they have had to sell her £188,000 home, spend her savings of £30,000
and use her income from her own state pension and two widow’s pensions from her
husband Charles. He died 20 years ago, but served for six years in the RAF and for 30 years
in the police.
Mrs Harris’s care home costs £106 a day - and the total bill for a week runs closer to £800.
Initially, local social services provided £108.70 in funding. But last March Mrs Harris’s own
savings began to run dry and fell below the £23,250 needed to qualify for more. Yet she
will still need to pay £200 a week for her care.
Gillian, Jennifer and Carolyn (pictured from left with their
mother) have now enlisted the help of lawyers as they try to
fight their case for full funding.
‘I’m incredibly angry,’ says Gillian. ‘We have tried everything.
But it seems you have to be at death’s door to receive free care
from the NHS. Why did my mother and father work and save
all these years? The money is just eaten up by the system.’
Call us on Phone: 03300 101352 today
08
Discretionary Trust Will
What is a Discretionary Trust Will?
This is a legal vehicle to protect assets i.e. land, buildings and money etc to mitigate as far as
possible an estate’s liability to inheritance tax.
The trust can also be used if the Testor wishes to ensure protection over what he leaves behind, if
he feels a beneficiary is not capable or responsible enough to look after his own affairs.
It can also be used to enable trustees to give financial assistance to a beneficiary in their life
when it is most needed i.e. education, purchase a property or general living expenses
The trust must have trustees (usually trusted family) appointed who are legally responsible for the
assets, property, money or other held in the trust ( Trust property). They are required to manage
the trust in accordance with the wishes of the person who placed assets in the trust (the Will
maker/Settlor).
Great care and consideration should be given as to who are the appointed trustees as they have
considerable power within the trust. In circumstances where high value estates are involved,
consideration should be given to appointing an independent trustee or our preferred
recommendation.
Income received by Discretionary trusts is subject to income tax at special rates.
Call us on Phone: 03300 101352 today
09
Guardianship Insurance
What is Guardianship Insurance?
Every responsible parent ensures that they
provide for their children in life- at least until
the age of 16yrs.
The provisions they make are made up of
accommodation, health and welfare, food
and nourishment, education (possibly further
education), social expenses and
entertainment, birthdays, holidays and future
saving provisions. We hopefully struggle
through and provide the best we can.
BUT what happens if one or both parents
die when your children are at an age where
they cannot provide for themselves?
This is why we take out Life Insurance, most
parents have some form of life cover – to
support our surviving spouse/ partner. (If you
don’t have any life cover then please contact
us to arrange this).
BUT what if you both die?
This is why you appoint Guardians for your
children in your will. Trusted family or friends
to entrust the upbringing of your most
precious loved one’s as you would have
wished.
Can they afford your wishes? – Is it fair they
should pay?
Guardians have a tall order not only do they
inherit a complete change of lifestyle and
extra responsibilities but also a huge financial
burden which may place a huge financial
strain on their household.
Can they afford the luxuries you want for your
children, the education you desired and the
high university fees which may be needed?
What can you do to ensure this is taken
care of?
Guardianship Insurance is a life insurance
policy taken out on the lives of you, the
parents, which you place in trust to your
guardians in the event of your deaths. It’s a
very small monthly premium that you pay and
if the “unthinkable happens” then a large
Lump Sum is paid directly to your appointed
guardians so that your children receive what
you wanted and the financial burden is
relieved on their household.
Call us today and get a FREE no obligation
quote within minutes. Policies are usually set
up and live within 24 hours
Call us on Phone: 03300 101352 today
10
Tenants in Common
Make Yourselves Tenants In Common Now
Every year we see a rise in the number of homeowners who choose to assign their properties as
tenants in common for a multitude of reasons, we seem to find the most common are to cut
inheritance tax, avoid care home fees or to protect their own share in a home.
What Is A Tenant In Common?
The vast majority of couples own a home as joint tenants, this allows them the freedom of legally
owning a home together while still protecting them in case anything should go wrong in the
future, both parties own an equal share. Should one of the people in a partnership die, the sole
ownership of the home falls upon the final remaining person in the agreement. The tenants in
common agreement allows further flexibility for both partners by allowing them to set a share of
the property in question. Some people still choose a 50% share in the property while other
people use this opportunity to opt for a smaller/larger bid on the property. Should one of the
people in the partnership die, the tenant can pass their share of the home to whomever they like
(most notably their children) while the other party can happily live at the home, passing their
share on after their death. Providing there is an unequal share in the home, for examples sake,
if Person A has 70% of the home and Person B has 30% of the home and there is a
disagreement that results in one person wanting to leave the property, then both parties are
protected. One does not gain or lose any share if the other person decides to leave.
Top 3 Benefits To Creating Tenants In Common.
decided to invest in.
Choosing to use a Tenant in common arrangement
over a joint tenancy will help minimise inheritance
tax. It can help you secure your children’s foothold on
the property ladder while protecting their money It
protects both parties up until the share they originally
Converting from ‘Joint Tenants’ to ‘Tenants in
Common’ – £59.00
To make yourself a Tenant in Common please click on the
button above and fill out your details.
Call us on Phone: 03300 101352 today
11
Insurance Policies in Trust
Do you want 40% of your Insurance Policy going to the Taxman or
your Loved ones?
Be smart and ensure your loved ones get it and place it in trust now
Example – Life insurance policy of £100,000 = £40,000 to the Taxman
Takes just one call back, 5 minutes of your time and its actioned within 72 hours
What Is A Trust?
A trust allows you to set aside an asset to benefit a specified person or people (the beneficiaries).
A trustee manages the asset until such time as the beneficiary is intended to benefit. For
example, your spouse may look after property on behalf of your children until they reach a
responsible age.
Life insurance policies are such an asset, and putting a policy into a trust has huge
consequences on what happens to the payout from a policy in the event of your death.
Note: In industry jargon, putting a life insurance policy into a trust is known as “writing life
insurance in trust” or a policy is “written in trust”.
CREATE A TRUST
Protect your assest
Create a trust and protect your legacy today
Call us on Phone: 03300 101352 today
12
The Principal Advantages To Putting A Life Insurance Policy
Into Trust Are As Follows:
• Trusts can help sidestep inheritance tax.
• Inheritance tax and the use of trusts. Tax advantages can accrue to those individuals who are
prepared to make use of trusts. If you do not make use of trusts then certain assets can be
eligible for inheritance tax, which is payable at a rate of 40%. For life insurance policies the
total value of that policy, when paid out, can form part of your estate. This will impact upon
any pay outs in excess of the threshold for inheritance tax in the UK, currently £325,000.
Therefore making use of a trust is very sensible.
• By writing a life-insurance policy in trust, the proceeds from the policy will be paid directly to
the beneficiaries rather than to your legal estate, and will therefore not be taken into account
when inheritance tax is calculated. This means the value of your estate may not move above
the threshold, depending on your circumstances.
• It is also important to remember that any inheritance tax is payable within six months of a
death. By putting life insurance in trust, it may help your family meet a tax bill.
• You don’t need probate to be granted in order for the policy to pay out.
• Writing a policy in trust also means payment to your beneficiaries is likely to be quicker, as the
money will not go through probate. This is a legal process that confirms an executor’s
authority to deal with your possessions. For example, if you leave everything to your spouse in
your will, then your spouse will have to get probate granted before they can distribute your
money, property and so on. This process can take a long time, even when there is a Will. In
cases of intestacy, it can drag on for a lot longer.
• It is essential that you consider various factors before you decide that your life insurance policy
should be put into trust. There is often a delay between the death of the policy holder and the
insurance payment being made. For a family who have to cope with not only the death, but
also the expense of a funeral and other arrangements, this can be a very difficult time. In trust,
you may find it easier to access the resulting payment as this will simply require a death
certificate. This can occur before probate is granted. With a trust, there is absolute control over
the policy which is not the case with other arrangements.
• Another benefit of including life insurance in a trust is that you can specify the division of
resulting income. If you have debts, then you will obviously want the money to go to your
family rather than to creditors. Similarly, you may decide to appoint trustees to oversee the
arrangements of payments to children (those under 18).
Call us on Phone: 03300 101352 today
13
Secure Will Storage
Your Will or LPA is an extremely important document. To lose or misplace your will could be
potentially disastrous – and we all know how easy it is to tuck a document away somewhere safe
– only to discover it’s completely disappeared!
Our document storage service can prevent this from happening – and will also protect your
document from any theft, loss, damage or fire.
Our Document Service
Feel secure in the knowledge that your documents are:
Kept in original condition.
Available for your Executors so they can deal with your Estate and assets with ease and speed.
We also provide:
• A certificate of storage and a set of storage cards for your executors, detailing where your
documents are stored, and how to retrieve them.
• Peace of mind that your will is stored in a facility which is both fireproof and easily locatable.
• A cheaper rate than that of your solicitors or bank.
• A document envelope large enough to store extra documents other than just your will (or LPA)
Call us on Phone: 03300 101352 today
14
Funeral Plans
Our range of pre-paid funeral plans will suit every budget in making those sensitive and delicate
arrangements you need to make for the passing of a loved one or your own funeral.
We take away the worry of paying for a funeral in a lump sum with our easy instalment plans.
A prepaid funeral plan not only gives you what you want but also, at a time of huge grief for
your remaining loved ones takes away the cost and stress of organising your funeral.
Contact us today and speak to a consultant who can advise you of the options available to you
50 Plus Base Funeral Plan
• Covers the funeral director’s services
• Provision of a hearse to a local cemetery or crematorium
• Simple Coffin
• Excludes allowance towards third party costs - these must be paid for at time of funeral
• Pay in full, over 12 months or by fixed monthly payments from £15.11 a month
50 Plus Standard Funeral Plan
• Covers the funeral director’s services
• Provision of a hearse to a local cemetery or crematorium
• Simple Coffin
• Includes allowance towards 3rd party costs such as crematorium, doctor’s and clergy fees
• Pay in full, over 12 months or by fixed monthly payments from £21.41 a month
50 Plus Select Funeral Plan
• Covers the funeral director’s services
• Provision of a hearse & limousine to a local cemetery or crematorium
• Superior Coffin
• Includes allowance towards 3rd party costs such as crematorium, doctor’s and clergy fees
• Pay in full, over 12 months or by fixed monthly payments from £23.64 a month
Call us on Phone: 03300 101352 today
15
Pricing Options
Wills Online provide you with four different service levels options to suit
ALL budgets and preferences.
4 Options available
• Option 1 - ONLINE WILLS FROM £49.00 ONLY
• Option 3 - HOME VISIT FROM £130 ONLY
• Option 2 - TELEPHONE WILLS FROM £75 ONLY
• Option 4 - POSTAL WILLS FROM £75 ONLY
Online & Telephone Price List WILLS Services
• Online Single Will - £49.00 (Telephone Single Will £75.00)
• Online Mirror Will - £69 (Telephone Mirror Will £99.00)
• Protective Property Trust Will - (Telephone Will Service Only) £149.00
• Discretionary Trust Will - (Telephone Will Service Only) £199
• Lasting Power of Attorney (Property and Financial Affairs) - Online Service £49.00 (Telephone Service £99.00)
• Lasting Power of Attorney (Health and Welfare) - Online Service £49.00 (Telephone Service £99.00)
• Tenants in Common and Severing a Joint Tenancy - Online
• Pair of any Lasting Powers Of Attorneys - Online Service £99.00 (Telephone Service £149.00)
• Will Storage - £25.00 Per Annum
• Any Home Visit Service Nationwide- add £99.00
• Living Will - Advance Directive - From £29.99
• Living Will - General Power of Attorney - From £29.99
Call us on Phone: 03300 101352 today
16
Pricing Options
Special Offer Wills-Online are offering a FREE Life Insurance in Trust service with any will
purchase (STS)
This ensures that your life policy is paid out immediately to your beneficiaries avoiding lengthy
drawn out probate and that you may avoid the 40% Inheritance Tax liability that may be due if
were not put in Trust.You may also avoid the 40% Inheritance Tax liability that may be due if
were not put in Trust which puts the money in your loved ones hands and NOT the
Taxman.Example: £100,000 life policy – you save £40,000 Tax. (Normal Price £89)
Other Wills and Trusts include (Telephone & Home Visit only)
• Probate and Executorship services - 3.5% of deceased Estate value on death
• Document storage service of your will - £25 each year
• Spousal Bypass Trust - £299
• Business Asset Will - £499
• Flexible Life Interest Trusts - £499
• Disabled / Vunerable persons Trust - £399
• Other administrative services - Price on application
As well as the specialist document preparation services for wills, and other legal documents, that
we have specified we also offer a range of administrative services.
Call us on Phone: 03300 101352 today
17
TELEPHONE WILLS
in 30 mins
Single - £75
Mirror - £99
Telephone Wills
Want a UK Legal Will made in 1 hour?
Give one of our team a call and we can arrange
for your tailored will to be written in 1 hour for £75
In-Person Wills
Get a will made in the comfort of your
own home, or a local venue by one of our
highly trained will writing experts.
Create Online Wills in 3 simple steps £49
1.
Answer
Questions
2.
Check
& Pay
3.
Print
& Sign
Postal Wills from £75 only
Contact Info
PFS MANOR HOUSE, Augustus Rd
Hockliffe, Bedfordshire, LU7 9NS
Phone: 03300 101352
Email: [email protected]
Web: online-wills.co.uk