Why Every Adult Should Have a Valid Will
Why Everyone in the UK Should Have a Will (and What Happens If You Don’t)
Most people don’t enjoy thinking about what happens after they’ve gone. But as Benjamin Franklin famously said, “Nothing can be said to be certain, except death and taxes.”
While it may not be a cheerful task, writing a will is one of the most important things you can do for the people you care about. Not only can it reduce stress and upset for your family, but it may even help them save tax.
As Financial Advisers, one of the first questions we ask is whether someone has a will — and if so, when it was last updated. The answers are always revealing, and often quite surprising. Many people have either never written a will, or have one that no longer reflects their wishes.
Over the years, I’ve heard every excuse:
- “I’ve not got round to it.”
- “I don’t want to jinx myself.”
- “I don’t have anyone to leave anything to.”
- “We can’t decide.”
- And the classic… “I’m too young to need a will.”
This month, I want to explain why every adult should have a will, why it must be valid, and what happens if you die without one under the UK’s intestacy rules. Spoiler alert: it’s rarely as simple as people assume.
What Is a Will and Why Is It Important?
A will is a legally binding document setting out how you want your money, property and possessions distributed after your death.
Even if you feel you don’t own very much, having a will matters. Without one, the UK's intestacy rules decide who inherits — and the outcome may not reflect your wishes.
Key reasons to make a will:
- Unmarried couples do not automatically inherit from each other.
- Your estate may not go to the people you would choose.
- Stepchildren are not included under intestacy rules.
- Out‑of‑date wills can accidentally benefit an ex‑partner.
- Without a will, dealing with your estate takes longer and causes more stress.
Common Myths About Wills (and the Truth Behind Them)
Myth 1: “Once I’ve written a will, it’s set in stone.”
Not true — you can update or revoke a will at any time.
A simple addendum, known as a codicil, can reflect any changes in circumstances. So don’t let “I might change my mind” be the reason you delay.
Myth 2: “I don’t need a will — my spouse will get everything.”
This is partly true, but only in certain situations.
-
Married with no children:
Your spouse inherits everything but the process is still longer and more complicated without a will. -
Married with children:
Your spouse receives:- £270,000,
- all your personal possessions, and
-
half of the remaining estate.
The children inherit the other half.
So no — your spouse does not automatically get everything.
Myth 3: “My family know what I want for the children.”
We all hope to be there for our children as they grow up, but planning for the worst ensures your wishes are followed.
Without a will, there can be arguments, uncertainty, and unnecessary turmoil.
Myth 4: “My stepchildren will inherit.”
Many people don’t realise that stepchildren have no automatic rights under intestacy rules.
Unless adopted or specifically included in your will, they receive nothing.
DIY Wills — Are They Worth It?
DIY will packs are widely available, but they come with risks. A will may be invalid if:
- The wording is incorrect
- Witnessing rules aren’t followed
- Assets aren’t fully accounted for
- Contingency scenarios aren’t covered
A poorly drafted will can be far more expensive to fix after death than using a professional in the first place — especially when inheritance tax is involved.
Do You Need a Solicitor to Write a Will?
Technically, no — but in most cases, good legal advice is invaluable.
A solicitor ensures:
- Your will is legally valid
- Your wishes are clearly expressed
- Tax implications are properly considered
- Blended family situations are handled correctly
Even “simple” circumstances are often more complex than they seem.
“I Can’t Decide or Agree” — The Most Common Reason for Delay
Blended families are increasingly common, and deciding who should get what can feel overwhelming.
A good solicitor will help you explore the options, weigh the pros and cons, and find a solution that works for you.
“I’m Too Young” or “I Won’t Care — I’ll Be Dead”
Unfortunately, none of us know how long we have.
Without a will:
- The law decides who gets what
- Someone must apply for Letters of Administration
- The process is longer and more stressful for loved ones
- Your wishes may not be followed
Having a will isn't for your benefit — it's an act of care for those left behind.
“I Don’t Have Anyone to Leave Anything To”
If you die without a will and without close family, your estate goes to the Crown.
But with a will, you can leave your legacy to:
- Charities
- Local groups
- Universities or museums
- Friends or neighbours
- Anyone you choose
You have more options than you may think.
Excluding Someone? A Will Is Even More Important
If you intend to leave someone out of your will, it’s essential to do so properly.
A solicitor may recommend a Letter of Wishes explaining your reasons.
This doesn’t guarantee a claim won’t be made, but it strengthens your position.
A Will Can Save Inheritance Tax
With the introduction of the Residence Nil Rate Band, parents can pass on their main home with an additional tax‑free allowance — but only if their affairs are structured correctly.
Without planning, families can miss out on significant tax savings.
Final Thought: Everyone Needs a Will
Whatever your age, relationship status or family situation, having a valid will ensures:
- Your wishes are followed
- Your loved ones face less stress
- Your estate is handled efficiently
- You may reduce the tax bill for your family
Writing a will may not be uplifting — but it is one of the most thoughtful actions you can take.
For more help and advice or to receive a complimentary guide covering wealth management, retirement planning or Inheritance Tax planning, contact Yorkshire Financial Planning on 01482 275540 or complete our contact form here.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.
Will writing involves the referral to a service that is separate and distinct to those offered by St. James's Place. Wills are not regulated by the Financial Conduct Authority.
SJP Approved 25/03/2026
