Estate Planning

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Dying without a Will

Over two thirds of the UK's population do not have a Will. If this applies to you, there is a risk that your wishes for your loved ones may not be met.

In this situation, the law will determine who benefits from your estate through the rules of intestacy, depending on your circumstances as you can see below. You can download a pdf of the rules of intestacy here for either the rules before 1 Ocober 2014 or after 1 October 2014.

Married/civil partner with children

  • For a death before 1 October 2014: Your partner will be entitled to at least the first £250,000 of your estate and all of your personal possessions. Any remaining funds or assets, including your house if it's in your sole name or as tenants in common, will be divided with half passing to your children when they reach age 18 and the other half is held in trust for your spouse/ civil partner for life.
  • For a death on/after 1 October 2014: Your partner will be entitled to at least the first £250,000 of your estate, all of your personal possessions and half of the rest. The remaining half will pass to your children when they reach age 18.

Married/civil partner with no children

  • For a death before 1 October 2014: Your partner will be entitled to at least the first £450,000 and all of your personal possessions. Any remaining assets would be divided between your partner and any surviving relatives.
  • For a death on/after 1 October 2014: Your partner will be entitled to the estate, providing they survive 28 days.

Unmarried/no civil partner with children or grandchildren

Your children and/or grandchildren will be entitled to the estate.

Unmarried/no civil partner with no children or grandchildren

Your estate will go to any other surviving relatives, according to a certain order. If you have no surviving relatives, your estate will go to the Crown.

⇦ Making a Will Choices available for making a Will ⇨

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