People ask us this sometimes. Why would a financial services firm offer free will writing? What’s the catch?
There’s no catch. Here’s the genuine reason.
A life insurance policy without a will is incomplete
Imagine you’ve sorted your life insurance. You’ve got £400,000 of cover in place. You’re paying the premiums. You feel sorted.
But you die without a will. Your estate goes through intestacy rules — fixed legal rules that decide who inherits your assets. Your long-term partner, who you’re not married to, gets nothing. Your mortgage gets frozen in probate for nine months. The money you intended to protect your family gets tied up in legal process at exactly the moment they need it most.
The insurance policy did its job. The lack of a will undid it.
We offer free will writing because we don’t think protection advice is complete without it. It’s not a marketing add-on. It’s the logical next step after putting cover in place.
"There's no catch. Here's the genuine reason we include will writing with every protection policy we arrange."
What our free will writing includes
Professional will writing through our partner service, Will Writing Network. A straightforward single or mirror will for most clients. Guidance on guardianship for children, specific bequests, and executor appointments.
For more complex estates — business interests, significant assets, blended families — we’ll point you toward the right level of specialist legal support. We’re not trying to replace solicitors where solicitors are genuinely needed.
But for the majority of clients who simply need a clear, legally valid will that reflects their wishes, we can handle it as part of the same conversation as your insurance review.
Wills and trusts go together
We also set up discretionary trusts for every life insurance policy we arrange. A trust means your life insurance payout bypasses probate and goes directly to your family — typically within weeks of a claim being settled, rather than months.
A will deals with your estate. A trust deals with your life insurance payout. Together, they make sure the money you’ve put in place for your family actually reaches them — quickly, efficiently, and in the way you intended.
The real reason
We’ve been doing this for over 15 years. We’ve seen what happens when families lose someone without a will in place. The legal complexity. The family disputes. The delays. The stress heaped on top of grief.
We include will writing because it’s the right thing to do. Because protection that doesn’t extend to the structures around the policy isn’t really complete. And because the cost of a will — to us — is nothing compared to the difference it makes.
So when clients ask us why we offer it for free, the honest answer is: because we think you need it, and because making it free means people actually do it.
