Life Insurance and Your Will: What Parents Need to Know in 2025

Emma thought she had everything covered. When her first child was born, she and her partner immediately took out £400,000 in life insurance—enough to pay off their mortgage and support their daughter until age 18. She named her partner as the beneficiary and felt responsible.

What she didn't realize was that without a will, she hadn't legally appointed a guardian for her daughter. If both parents died together, the insurance payout could be tied up in probate for 6-9 months while her child's care was decided by the courts.

Her £400,000 safety net had a critical gap.

Research from MetLife reveals that 51% of UK parents have no life insurance, while separate data shows that many who do have coverage haven't made a will to coordinate with it. These parents believe they've protected their children financially, but they haven't completed the legal framework that ensures those funds actually work as intended.

This guide will show you exactly how life insurance and wills must work together to protect your children, the 3 critical mistakes to avoid, and how to coordinate everything in under an hour for less than £50.

Why Life Insurance Alone Isn't Enough for Parents

Life insurance provides money when you die. A will provides instructions and legal appointments.

Without both working together, you've only solved half the problem.

Consider the numbers: nearly half of UK parents have some form of life insurance, yet many have never made a will. They've secured the finances but haven't addressed who will raise their children, who will manage the money, or how their total estate will be distributed.

The gaps life insurance cannot fill:

Guardian appointments: Only a will can legally appoint guardians for your children. Under the Children Act 1989, if you die without naming guardians in a valid will, the courts decide who raises your children. Your life insurance beneficiary has no legal right to custody—these are separate decisions that must be coordinated.

Management instructions: Life insurance companies cannot pay directly to anyone under 18. Without clear trust provisions in your will, a court may need to appoint a financial guardian to manage the money—and that person might be different from who's actually raising your child.

Estate coordination: Your other assets—property, savings, pensions—have no distribution plan without a will. Your £300,000 insurance payout might go to one person while your £250,000 home goes to someone else under intestacy rules, leaving your child's guardian without the resources they actually need.

Sarah learned this the hard way. As a single parent, she had £250,000 life insurance naming her mother as beneficiary, assuming her mother would raise her son. When Sarah died unexpectedly, the insurance went to her mother as planned, but because Sarah had no will, the courts appointed Sarah's ex-partner's family as guardians. Her son ended up living with one family while the money sat with another, creating conflict and complexity that could have been avoided with a £49.99 will.

How Life Insurance Payouts Work in UK Law

Understanding how insurance money actually reaches your beneficiaries is essential to protecting your children effectively.

There are two fundamentally different pathways, and the difference determines whether your family waits weeks or months to access the funds.

Policy Written in Trust

When life insurance is written in trust, the policy is owned by trustees who hold it for your beneficiaries. The payout typically reaches beneficiaries in 2-3 weeks because it bypasses your estate entirely.

The money never goes through probate. It doesn't count toward your estate for inheritance tax purposes. The trustees simply file the claim, and the insurance company pays directly to the named beneficiaries.

Policy NOT Written in Trust

If your policy isn't in trust, the payout goes into your estate. It becomes part of the total assets that must be distributed according to your will—or if you have no will, according to intestacy rules.

This process typically takes 6-9 months while probate is granted, and potentially up to 12 months for complex estates. During this time, your beneficiaries cannot access the funds, even if they're struggling financially to raise your children.

Worse, if your total estate (including the life insurance payout) exceeds the inheritance tax threshold of £325,000, your beneficiaries could lose 40% of the amount above that threshold to tax.

The Critical Difference

Aspect	Policy IN Trust	Policy NOT in Trust
Payout speed	2-3 weeks	6-9 months (probate)
Goes through probate?	No	Yes
Subject to inheritance tax?	No	Yes (if estate >£325k)
Requires a will?	No, but recommended	Yes (strongly)
Can name beneficiaries?	Yes, directly on policy	Via will (through estate)

Here's what this means practically: If you have £400,000 life insurance not in trust and £150,000 in other assets, your total £550,000 estate exceeds the inheritance tax threshold by £225,000. Your beneficiaries would owe £90,000 in inheritance tax (40% of £225,000), leaving only £460,000 total.

If that same £400,000 policy was in trust, it would bypass your estate entirely, going directly to beneficiaries tax-free in 2-3 weeks. Your £150,000 in other assets would pass through your will, well below the tax threshold.

The distinction between beneficiaries and executors matters here. A beneficiary is named on the trust document and receives money directly. An executor is named in your will and manages your entire estate, including insurance payouts not in trust. For seamless coordination, many parents name the same person as both trustee and executor.

The Guardian-Beneficiary Connection Parents Miss

This is where most well-intentioned parents get it wrong.

Life insurance determines who gets the money. Your will determines who raises your children. These are separate legal decisions that must work together, but many parents set them up in ways that contradict each other.

The most common scenario: Parents name grandparents as life insurance beneficiaries, assuming they'll raise the grandchildren. But they never legally appoint those grandparents as guardians in a will.

What happens? The grandparents receive the insurance money, but the courts decide who actually raises the children based on the child's best interests under the Children Act 1989. The court might appoint different guardians—perhaps the other parent's family, or a younger sibling—leaving the financial resources separated from the caregiving responsibility.

The reverse is equally problematic. James and Sophie appointed James's sister as guardian in their will—she has three children of her own and lives in a modest home in Yorkshire. But their £500,000 life insurance policy names Sophie's brother, a childfree investment banker in London, as beneficiary.

When both parents died in an accident, their two children went to live with their aunt in Yorkshire. She now has five children, a single income, and a household stretched thin. Meanwhile, the £500,000 sits with their uncle in London, who has no legal obligation to support the children's day-to-day expenses unless the trust or will explicitly requires it.

The children's guardian is struggling financially while half a million pounds sits with someone not involved in their care.

This isn't a legal error—both the will and the insurance policy are valid and followed correctly. It's a coordination failure that creates exactly the opposite of what the parents intended.

The key principle: Your life insurance beneficiary and your children's legal guardian don't have to be the same person, but you must consciously coordinate these decisions to ensure the person raising your children has adequate financial resources to do so comfortably.

Life Insurance Trusts Explained for Parents

Trusts sound complicated, but they're simply legal arrangements where trustees manage assets for beneficiaries according to your instructions.

For parents with life insurance, trusts solve several critical problems at once.

What a Trust Actually Does

When you write life insurance in trust, you transfer ownership of the policy to trustees—often the same people you've appointed as guardians, though they can be different. These trustees hold the policy for the benefit of your children.

When you die, the trustees file the claim. The insurance company pays the trustees, who then manage the money for your children according to the trust terms you've set.

Types of Trusts for Life Insurance

Bare (Absolute) Trust: The simplest form. Beneficiaries are named and fixed. They automatically receive the money at age 18. You cannot change the beneficiaries once the trust is set up without their consent.

This works well when you're certain about who should benefit and you're comfortable with them receiving full control at 18.

Discretionary Trust: More flexible. Trustees have discretion over when and how much each beneficiary receives. You can specify that children receive money at 21, 25, or 30 instead of 18. You can direct that funds be released in installments—perhaps one-third at 21, one-third at 25, and the remainder at 30.

Most parents prefer discretionary trusts because 18 is young to receive a large lump sum. A 18-year-old with £250,000 may not have the maturity to manage it wisely.

Why Parents Use Trusts

Speed: Bypass probate entirely—funds reach beneficiaries in 2-3 weeks instead of 6-9 months.

Tax efficiency: Keep the payout out of your estate for inheritance tax purposes. If your estate exceeds £325,000 (or £500,000 if you're leaving your home to children, or £1 million for married couples), this saves your children 40% of the amount above the threshold.

Control: Specify exactly when and how your children receive money. Protect them from receiving too much too young.

Protection: Ensure responsible adults manage funds until your children develop financial maturity.

Most UK insurers—Legal & General, Aviva, Vitality, Royal London—offer free trust services when you take out a policy. You can also add a trust to an existing policy at no cost, usually by completing a form provided by your insurer.

David's situation shows this in action. He has £500,000 life insurance written in discretionary trust, naming his sister as trustee and his two daughters (ages 5 and 8) as beneficiaries. His will appoints his sister as guardian.

If David dies, his sister immediately receives the insurance payout as trustee—no probate delay, no inheritance tax. She uses the funds to support the girls' daily care, education, and activities. But instead of the girls receiving £250,000 each at age 18, the trust specifies they receive one-third at age 21, one-third at 25, and the final third at 30.

This gives them financial support throughout childhood while protecting them from the pressure and potential mistakes of managing a quarter-million pounds as teenagers.

What Your Will Must Include to Coordinate with Life Insurance

Even if you've written your life insurance in trust, you still need a will. And that will must contain specific provisions to ensure everything works together.

Guardian Appointments (Non-Negotiable)

This is the single most important reason parents need wills. You must legally appoint guardians for all children under 18.

Name primary guardians and alternate guardians in case your first choice cannot serve. These appointments should align with who you want managing any insurance proceeds, whether as trustees or beneficiaries.

If you've named insurance trustees, consider whether those same people should be your children's guardians. Often they should be, but not always—some parents separate financial management from daily caregiving, naming financially savvy siblings as trustees while appointing closer family members as guardians.

Learn more about choosing guardians for your children.

Executor Instructions

Your executor manages your entire estate, including any insurance payouts not in trust.

Name an executor who knows your insurance policies exist and understands where to find the policy documents. Many parents name their insurance trustee as executor, or vice versa, to streamline coordination.

Your executor will need to locate all policies, contact insurers, and ensure beneficiaries or trustees receive what they're entitled to.

Trust Provisions for Minor Beneficiaries

If your insurance is NOT written in trust, your will should include trust provisions for managing insurance proceeds that come through your estate.

Specify the age when children receive full control—18, 21, or 25 are common. Include instructions for how funds should be used before then: education, living expenses, medical care, extracurriculars.

Without these provisions, a court may appoint a financial guardian, and that person may have no guidance about your wishes for your children's upbringing and education.

Residual Estate Distribution

Your life insurance is only one part of your total protection plan. Your will must distribute everything else—property, savings, investments, pensions.

Coordinate how these other assets work with your insurance. If your £400,000 insurance goes to trustees for your children, perhaps your £200,000 home should go to the guardians to provide housing. Or perhaps the home goes to your children with instructions that the guardians can live there rent-free while raising them.

Think holistically: What does the guardian actually need to raise your children comfortably? What will your children need when they reach adulthood?

Letter of Wishes (Optional but Recommended)

A letter of wishes is a non-binding document that provides guidance to your guardians and trustees about your hopes for your children.

You might include thoughts on education priorities, religious upbringing, the importance of maintaining relationships with extended family, or how you hope insurance funds will be used to enrich your children's lives.

This letter isn't legally enforceable, but it gives your guardians insight into your values and wishes. It can be updated easily without changing your will.

Rachel's will demonstrates this coordination. She appoints her best friend Claire as guardian and trustee of her £400,000 life insurance written in trust. The will includes this instruction:

"Insurance proceeds held in trust shall be used first for housing, education, and daily care of my children. Claire may access funds monthly as needed for these purposes. Children receive remaining balance in thirds: one-third at age 21, one-third at 25, one-third at 30. I trust Claire's judgment on appropriate expenditures for enrichment activities, travel, and experiences that broaden my children's horizons."

Without these instructions, Claire would have no legal guidance on Rachel's priorities for the money. The trust gives Claire both authority and direction.

3 Critical Mistakes Parents Make (and How to Avoid Them)

Even parents who've done the basics often make these errors. Each one can create serious problems for your children.

Mistake #1: Naming Minor Children Directly as Beneficiaries

Many parents instinctively name their children as life insurance beneficiaries. It seems logical—the money is for them.

But UK insurance companies cannot pay out to anyone under 18. It's not just policy; it's law.

When you name a minor as beneficiary, the insurance company must hold the funds until a court appoints a financial guardian to receive them on the child's behalf. This process can take six months or longer. Meanwhile, the actual guardian raising your child has no access to the funds for housing, food, school fees, or emergency expenses.

Once a financial guardian is appointed, that person controls the money until the child turns 18—and they may have different ideas about how it should be used than you intended.

The solution: Never name minor children directly as beneficiaries. Instead, either write your policy in trust with adult trustees managing funds for the children, or name adult beneficiaries (like guardians) who will manage the funds for your children's benefit, or ensure your will contains robust trust provisions if the payout goes through your estate.

Mistake #2: Forgetting to Update Beneficiaries After Life Changes

Life changes. Beneficiary designations often don't.

Parents name beneficiaries when they first buy insurance, then forget to update them after divorce, remarriage, births, deaths, or major family disputes.

UK law is clear: beneficiary designations override will instructions if your policy is in trust. Your will might leave everything to your current family, but if your life insurance still names your ex-spouse or estranged sibling from 10 years ago, that's who gets the money.

James's story is devastating. He divorced, remarried, and had a second child. His will left everything to his new wife and younger son. But his £300,000 life insurance still named his ex-wife as beneficiary because he never updated it after the divorce.

When James died, his ex-wife received the entire £300,000 payout. His current wife and young son received his other assets through the will, but the life insurance—his largest asset—went to someone who no longer had any responsibility for his children's care.

The solution: Review and update beneficiaries after every major life event—marriage, divorce, birth or adoption, death of a named beneficiary, significant family conflict. Set a calendar reminder to review beneficiaries every 2-3 years even without life changes.

When you update your will, simultaneously review all insurance beneficiary designations. They must work together.

Mistake #3: Mismatching Insurance Amount with Will Provisions

Some parents calculate insurance to cover their mortgage (£200,000) but then write a will leaving their £400,000 home to their children while leaving minimal assets to the guardian.

The result: The guardian must raise the children on their own resources while the children's inheritance—the house—sits unused or rented, generating income the guardian can't necessarily access.

This creates a fundamental mismatch between who needs resources now (the guardian, raising children) and who will benefit later (the children, when they inherit).

Another version: Parents have substantial life insurance but minimal other assets. Their will leaves "everything" to their children without specifying that the guardian can use estate funds for raising them. The guardian ends up personally funding the children's care while the estate—including insurance proceeds—accumulates for the children's future.

The solution: Review your will and insurance as one coordinated plan. Ask yourself: If I died tomorrow, would the person raising my children have adequate financial resources to do so comfortably? Does my guardian receive the house, or money to pay the mortgage, or both?

Balance immediate needs (guardian must house, feed, educate children for 10-15 years) with long-term protection (children should have resources when they reach adulthood).

If your guardian is different from your insurance beneficiary, make absolutely certain the guardian will have adequate income to raise your children. You might need to specify that insurance trustees pay a monthly allowance to the guardian, or that the guardian receives a lump sum from the estate, or that the guardian can live in your property rent-free.

How Much Life Insurance Do Parents Actually Need?

Before you can coordinate your will with your insurance, you need to know if you have adequate coverage.

Most parents significantly under-insure. The average UK parent with life insurance has around £200,000 in coverage. But the actual cost of raising children and maintaining a household typically requires far more.

Standard Calculation Methods

The 10x salary rule: Total coverage should equal 10 times the highest earner's salary. If you earn £50,000, you need £500,000. This ensures your family maintains their lifestyle without your income.

Income replacement method: Annual salary multiplied by years until children are independent. If you earn £45,000 and your youngest child is 3, that's £45,000 × 15 years = £675,000.

Specific needs calculation: Add up every major cost your family would face without you—mortgage, childcare, living expenses, education, and future costs.

UK-Specific Numbers for 2024-2025

The Child Poverty Action Group calculates the cost of raising one child to age 18 at £260,000 for a couple or £290,000 for a single parent.

Average UK mortgage: £132,000 (though regional variation is significant—higher in London and the South East).

Average funeral costs: £4,700.

Average monthly household expenses: £2,700.

Example Calculation

Sophie, 35, marketing manager, £45,000 salary, two children ages 3 and 6, £180,000 mortgage remaining:

Mortgage payoff: £180,000
Raise two children to age 18: £520,000 (£260,000 each)
Five years of living expenses for guardian: £162,000 (£2,700/month × 60 months)
University fund for two children: £60,000 (£30,000 each)
Funeral and estate costs: £10,000

Total recommended coverage: £932,000

Average UK coverage for parents: £200,000

Sophie's protection gap: £732,000

This isn't unusual. Over half of UK parents have no life insurance at all, and those who do often have employer-provided coverage of 2-4 times salary—nowhere near the actual cost of raising children to independence.

Coordination with Your Will

Your insurance amount should inform your will provisions. If Sophie has £900,000 in coverage but only £50,000 in other assets, her will should focus on appointing guardians and ensuring the insurance funds are properly managed for her children.

But if Sophie only has £200,000 in insurance plus a £350,000 home and £100,000 in savings, her will becomes even more critical. She must carefully coordinate how the insurance, property, and savings work together to provide for her children and support their guardian.

In the second scenario, Sophie might specify that her home goes to the guardians so they can raise the children there, while the insurance and savings go into trust for the children's education and future needs.

Cost Context

The average UK life insurance premium is £10.20 per month for £200,000 coverage over 25 years.

Increasing to £500,000 coverage typically costs £25-30 per month.

Creating a comprehensive will with WUHLD: £49.99 one-time payment.

For less than £1 per day, you can properly protect your children both financially and legally.

Your 4-Step Action Plan to Coordinate Insurance and Will

You can complete this entire process in under 60 minutes. Here's exactly what to do.

Step 1: Audit Your Current Life Insurance (15 minutes)

Locate every life insurance policy you have—employer-provided, personal, mortgage-linked.

For each policy, verify:

Total coverage amount
Current named beneficiaries
Whether the policy is written in trust
Who the trustees are (if applicable)
When beneficiaries were last updated

Add up your total coverage across all policies and compare it to your family's actual needs using the calculation method from the previous section.

Check whether your employer coverage continues if you change jobs. Many employer policies are only valid while employed, leaving a gap if you leave or are made redundant.

Step 2: Review or Create Your Will (15 minutes with WUHLD)

If you have an existing will, retrieve it and check:

Guardian appointments for all minor children
Alternate guardians
Trust provisions for managing money for minors
Executor appointment
Whether it coordinates with your insurance beneficiaries

If you don't have a will, you're in the majority—many UK parents don't. Creating one is the single most important action you can take to protect your children.

With WUHLD, you can complete a comprehensive, legally binding will online in 15 minutes for £49.99—compared to £650+ for traditional solicitor services.

Your will must include:

Legal guardian appointments for all children under 18
Alternate guardians
Clear executor who knows your insurance exists
Trust provisions for how insurance proceeds should be managed if they come through your estate
Distribution of your other assets that coordinates with your insurance

Understand what happens to your children if you die without a will—the intestacy rules are unlikely to match your wishes, especially for unmarried parents.

Step 3: Coordinate Beneficiaries, Guardians, and Trustees (10 minutes)

Now that you know your insurance status and have a will (or are creating one), align everything.

Key decision: Should your life insurance beneficiaries be the same people as your children's guardians?

Usually yes, for simplicity and immediate access to funds. But not always—you might want separate financial oversight if your guardians are young, inexperienced with money management, or already financially secure.

If using a trust, name trustees who can responsibly manage potentially hundreds of thousands of pounds for a decade or more. Often this is the same person as the guardian, but consider including a financial advisor, accountant, or responsible family member as a co-trustee for oversight.

Essential coordination checklist:

Insurance beneficiaries identified and updated if needed
Legal guardians appointed in will
Trustees named if using trust
All parties have discussed and agreed to their roles
Guardian has adequate financial resources to raise children comfortably (either through insurance, estate assets, or both)

Contact your insurance provider to update beneficiaries or add a trust if needed. Most insurers allow this online or via a simple form—it's free and takes 10-15 minutes.

Step 4: Document and Communicate (10 minutes)

Create a simple "In Case of Emergency" document containing:

List of all life insurance policies (company name, policy number, coverage amount, beneficiary)
Location of your will
Executor name and contact information
Guardian names and contact information
Trustee names and contact information (if applicable)
Location of other important documents (property deeds, investment accounts, pension information)

Store this document with your will in a secure but accessible location—fireproof safe at home, or with your executor.

Tell your executor and guardians where to find this information. They need to know it exists and how to access it when needed.

Set a calendar reminder to review this entire setup annually or after any major life change—marriage, divorce, birth, death, house purchase, significant salary increase.

Complete timeline: Under 60 minutes to fully coordinate life insurance and will. Total cost: £49.99 for a WUHLD will + £0 to review and update insurance beneficiaries.

That's less than a family dinner out to ensure complete protection for your children's future.

Frequently Asked Questions: Life Insurance and Wills for Parents

Q: Do I need a will if I have life insurance?

A: Yes, absolutely. Life insurance provides money, but a will provides legal instructions and appointments. Without a will, you cannot legally appoint guardians for your children—courts decide under the Children Act 1989. If your life insurance isn't in trust, it goes through probate using intestacy rules. Your other assets have no distribution instructions. Even with life insurance in trust, you still need a will to appoint guardians and manage your other assets.

Q: Can I name my children as life insurance beneficiaries?

A: Not directly if they're under 18. UK insurance companies cannot pay out to minors. Instead, you must either write your policy in trust with adult trustees who manage funds for children, or name adult beneficiaries (like guardians) who will manage funds for your children's benefit, or let the payout go through your estate with trust provisions in your will. Never name minor children directly—it creates legal complications and delays.

Q: What happens to my life insurance if I die without a will?

A: It depends whether your policy is in trust. If in trust, the payout goes directly to named beneficiaries bypassing your estate. If not in trust, the payout goes into your estate and is distributed according to intestacy rules, which may not align with your wishes. For unmarried parents, intestacy means your partner gets nothing—everything goes to your children or parents. Without a will, you also cannot appoint guardians, so courts decide who raises your children.

Q: Should my life insurance beneficiary be the same person as my children's guardian?

A: Usually yes, for simplicity and practical access to funds. The person raising your children needs financial resources to do so comfortably. However, you might name different people if the guardian is young or inexperienced with money management, if you want financial oversight separate from caregiving, or if the guardian is already financially stable and doesn't need additional funds. If you name different people, coordinate carefully in your will to ensure the guardian has adequate resources.

Q: How much does it cost to coordinate my will with life insurance?

A: Updating insurance beneficiaries: £0 (free through your insurer). Writing policy in trust: £0 (most UK insurers provide free trust service). Creating a comprehensive will with WUHLD: £49.99 one-time payment. Traditional solicitor will: £650+ (often £1,000+ for couples). Total cost to fully coordinate with WUHLD: under £50, completed online in 15 minutes.

Q: How often should I review my life insurance beneficiaries and will?

A: Review both after any major life event—marriage, divorce, birth or adoption, death of named beneficiary or guardian, major family conflict, significant financial change, house purchase, or job change. Set a calendar reminder to review every 2-3 years even without life changes. When you update your will, always simultaneously review insurance beneficiary designations to ensure they coordinate.

Q: What's the difference between a life insurance trust and trust provisions in my will?

A: A life insurance trust is created when you write your policy in trust—ownership transfers to trustees who hold it for beneficiaries. The payout bypasses your estate entirely, arriving in 2-3 weeks with no probate or inheritance tax. Trust provisions in your will only apply to money that goes through your estate. If your insurance isn't in trust, these will provisions tell your executor how to manage the payout for minor beneficiaries. Both can work, but trusts are faster and more tax-efficient.

Q: Can I change my life insurance beneficiaries after divorce?

A: Yes, and you should immediately. Contact your insurance provider—most allow updates online or via a simple form taking 10-15 minutes. This is critical because beneficiary designations override will instructions if your policy is in trust. Even if your divorce settlement requires you to maintain life insurance for your ex-spouse's benefit, review the designation to ensure it matches the legal agreement. After divorce, also update your will to appoint new guardians if your ex-spouse was named.

Protect Your Children Completely: Insurance + Will Working Together

Your life insurance and will must work as one coordinated system, not separate documents.

Here's what you need to remember:

Life insurance provides financial resources, but only a will can legally appoint guardians for your children
Policies written in trust bypass probate and inheritance tax, delivering funds to beneficiaries in 2-3 weeks instead of 6-9 months
Never name minor children directly as beneficiaries—use trusts or adult beneficiaries who will manage funds for them
Your insurance beneficiaries and children's guardians should usually be the same people, or carefully coordinated if different
Update both your will and insurance beneficiaries after every major life change—divorce, remarriage, births, or deaths
Most parents under-insure by hundreds of thousands of pounds—calculate your actual needs before assuming you're covered

Over half of UK parents have no life insurance, and many who do have never made a will. If that describes you, you're not protecting your children the way you think you are.

The good news: Fixing this doesn't require expensive solicitors or complicated legal processes.

Create Your Complete Protection Plan Today

You can coordinate your life insurance with a legally binding will in less than an hour for less than £50.

Here's what to do now:

Locate your life insurance policies and verify beneficiaries (15 minutes)
Create your will with WUHLD, appointing guardians and coordinating with your insurance (15 minutes)
Update insurance beneficiaries or add a trust if needed—free through your insurer (10 minutes)
Document everything and tell your executor where to find it (10 minutes)

For £49.99 with WUHLD—versus £650+ for a traditional solicitor—you get:

Your complete, legally binding will appointing guardians and coordinating with your life insurance
A 12-page Testator Guide explaining how to execute your will properly
A Witness Guide to give to your witnesses
A Complete Asset Inventory document to organize your financial information

You can preview your entire will free before paying anything—no credit card required.

Your children's protection is too important to leave to chance. Get your life insurance and will working together properly.

Preview Your Will Free – No Payment Required

Legal Disclaimer: This article provides general information about UK life insurance and wills and does not constitute legal advice. For advice specific to your individual situation, please consult a qualified solicitor. WUHLD's online will service is suitable for straightforward UK estates; complex situations may require professional legal advice.

Insurance Disclaimer: This article provides information about coordinating wills with life insurance. We are not insurance advisors. For specific insurance product recommendations, please consult a qualified financial advisor or insurance broker.

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