Secure Your Future: Unison Free Wills Service Explained

Thinking about making a will? It’s one of those things that many of us put off, but it’s really important for making sure your loved ones are looked after and your wishes are followed. If you're a Unison member, you might be able to get a free will through their service. This article explains how the unison free wills service works and why having a will is a good idea.

Key Takeaways

• The Unison Free Wills Service allows members to get a will written by a solicitor, often at no cost.

• Making a will is vital for protecting your family and making sure your assets go where you want them to.

• Gathering personal details, understanding terms, and choosing an executor are key steps in the will-writing process.

• Some services offer extras like secure storage and probate help, but check the costs and terms carefully.

• Compare the Unison free wills service with other options like Free Wills Month or direct solicitor fees to find the best fit for you.

Understanding the Unison Free Wills Service

Eligibility for Unison Members

So, you're a Unison member and you've heard about the free wills service. That's great! The first thing to know is that this service is a perk of your membership. Generally, if you're a current Unison member, you're likely eligible. It's always a good idea to check the latest details on the Unison website or give them a call, as rules can sometimes change, but being a paid-up member is the main thing. You can find out more about joining and the benefits of membership, including the wills service, in the Unison Rulebook.

How Unison Partners with Solicitors

Unison doesn't write the wills themselves. Instead, they team up with a network of solicitors across the country. This means you'll be using a qualified legal professional to draft your will. Unison vets these solicitors to make sure they meet certain standards. When you use the service, you'll typically be directed to a solicitor in your local area who is part of this approved panel. They'll handle all the legal bits, making sure everything is done correctly and according to the law.

Benefits of Using the Unison Service

Why bother with the Unison service instead of just finding any solicitor? Well, for starters, it's free for eligible members, which is a big saving. Solicitors' fees for will writing can add up, sometimes costing hundreds of pounds. Using the Unison service means you get professional legal advice without the cost. It takes the guesswork out of it, and you have the peace of mind knowing your will is legally sound. Plus, it's a really straightforward process, designed to be as easy as possible for members.

Making a will is one of those things that many people put off, but it’s really not as complicated as you might think, especially when you have a service like this to guide you. It’s about making sure your wishes are clear and your loved ones are looked after.

Here’s a quick rundown of the advantages:

• Cost Savings: No solicitor fees for a standard will.

• Professional Advice: Handled by qualified and vetted solicitors.

• Peace of Mind: Knowing your affairs are in order.

• Convenience: Access to a network of local solicitors.

The Importance of Making a Will

It might not be the most cheerful topic, but sorting out your Will is a really sensible thing to do. Lots of people put it off, thinking they don't have much to leave or that it's too complicated. But honestly, having a Will sorted means you're in control of what happens to your stuff and who looks after your loved ones if the worst happens.

Protecting Your Loved Ones

Without a Will, the law decides who gets what. This can be a real problem if your wishes don't match the legal rules. For example, if you're separated but not divorced, your estranged spouse might still inherit everything. Or, if you have children, they'll usually inherit equally, regardless of who needs it most. The law also states they get their inheritance outright at 18, which might not be ideal for everyone. It's also worth remembering that stepchildren aren't automatically included in the legal rules. If you don't have any close family, distant relatives you've never even met could end up with your estate, rather than your friends or chosen charities.

Making a Will is your chance to clearly state who you want to benefit from your estate. It’s about making sure the people and causes you care about are looked after according to your wishes, not just by default legal processes.

Ensuring Your Wishes Are Followed

Your Will is where you get to name your executors – the people you trust to sort out your estate. You can appoint up to four, and it's a good idea to have at least two so they can share the load and cover each other if one can't act. You can also name guardians for any children under 18. Without this, the courts might decide, and it might not be someone you would have chosen. You can even specify where those guardians should live, and whether your children would need to move house.

Avoiding Potential Disputes

When someone dies without a Will, it can lead to arguments and stress for those left behind. The rules of intestacy can be rigid. For instance, if you've separated from your partner but aren't divorced, they could still inherit your entire estate. Similarly, children inherit equally at 18, regardless of their maturity or financial needs. If you have stepchildren, they won't automatically inherit under these rules. Your assets might even need to be sold to divide them up, meaning your family might have to leave their home. A clear, legally sound Will minimises the chances of these sorts of problems arising.

Here's a quick look at what can happen without a Will:

• Separated Partners: May still inherit, even if you're no longer together.

• Children: Inherit equally at 18, regardless of individual needs or maturity.

• Stepchildren: Are not automatically included in inheritance.

• Assets: May need to be sold, potentially forcing your family to move.

• No Close Relatives: Distant relatives or even the Crown could inherit.

Navigating the Will-Writing Process

So, you've decided to get your will sorted, which is a big step. But where do you actually start? It can feel a bit daunting, like trying to assemble flat-pack furniture without the instructions. Let's break down what you need to think about.

Key Information to Gather

Before you even start writing, you'll need to have a few things clear in your mind. Think of it as gathering your ingredients before you start cooking. You'll need to know who you want to inherit your belongings – these are your beneficiaries. It’s also important to consider what happens if one of your chosen beneficiaries passes away before you do. You'll also need to list all your assets, though some things, like jointly owned property or certain pensions, won't be included in your will.

Understanding Legal Terminology

Will writing has its own language, and it's not always straightforward. You'll hear terms like 'executor', 'beneficiary', 'testator', and 'codicil'. Your executor is the person you appoint to carry out your wishes and distribute your estate. The testator is you, the person making the will. A codicil is a document used to make minor changes to an existing will, but for bigger changes, it's usually best to create a whole new will that cancels the old one. Clarity in your will is absolutely vital; vague instructions can lead to confusion and disputes.

Choosing the Right Executor

Your executor is a really important role. They're legally responsible for sorting out your estate after you've gone. This involves a lot of tasks, so it's best to pick someone you trust completely. It's also a good idea to ask them if they're happy to take on the responsibility before you officially appoint them. You can name more than one executor, which can be helpful for sharing the workload and providing a backup. You can even ask your solicitor to be your executor if you prefer. Remember, an executor can also be a beneficiary in your will.

Making a will is a significant act of care for your loved ones. It ensures your wishes are clear and can prevent potential disagreements down the line. Taking the time to get it right means one less worry for those you leave behind.

Once you've got all this information together, you can start the actual process of writing your will. You can use the Unison service, a solicitor, or even some online options, but remember that the market isn't regulated, so protections can vary. If your situation is complex, like owning property abroad or having dependents who need ongoing care, getting professional advice from a solicitor is a good idea. You can find out more about the steps involved in creating a Last Will and Testament here.

Beyond the Free Will: Additional Services

So, you've sorted out your free will through Unison, which is brilliant. But what happens next? Making a will is a big step, and there are often other things to think about to make sure everything is truly sorted for the long run.

Secure Will Storage Options

Once your will is written, you need to keep it safe. Losing it could mean your wishes aren't followed, which would be a real shame after all the effort. Some people keep it in a safe at home, but that can be risky if there's a fire or flood. Others might leave it with their solicitor. However, there are dedicated services that specialise in storing wills securely. These often involve a yearly fee, but they provide peace of mind. They usually have vaults with high security and can track who has accessed the document. It’s worth checking if the solicitor who drafted your will offers a storage service, or if they partner with a secure storage provider. This way, your executors will know exactly where to find it when the time comes.

Probate Assistance Explained

Probate is the legal process of dealing with someone's estate after they've died. It sounds complicated, and it can be. Executors are responsible for this, which involves gathering assets, paying off debts, and distributing the inheritance according to the will. If your will is straightforward and your executors are confident, they might manage it themselves. However, if the estate is complex, or if your executors aren't sure what to do, they might need professional help. Some will-writing services offer probate assistance as an extra, which can be a big help. This usually involves guiding your executors through the process, handling paperwork, and dealing with official bodies. It can take a lot of the stress off their shoulders during a difficult time.

Updating Your Will Over Time

Life changes, and so should your will. It’s not a document you write once and forget about. Major life events like getting married, divorced, having children, or even a significant change in your finances mean you should probably review your will. If you've moved house or your beneficiaries' circumstances have changed, these are also good reasons to update it. Many solicitors and will-writing services offer a service to update your will. Sometimes, if you've used a specific service for your initial will, they might offer discounted rates for updates. It's a good idea to check your will every few years, or after any big life event, to make sure it still reflects your wishes. For example, if you've recently had a child, you might want to check out the Unison child uniform voucher scheme for help with school costs, and also consider how this new addition fits into your will.

Making a will is just the start. Thinking about how to keep it safe and what happens after you're gone is just as important. Don't leave your loved ones guessing or facing unnecessary hurdles.

Comparing Will-Writing Options

So, you've decided a will is a good idea, which is great. But where do you actually go to get one sorted? The Unison service is a good option if you're a member, but it's not the only game in town. Let's have a look at what else is out there.

Unison vs. Other Trade Unions

Many trade unions offer similar free will services to their members, often by partnering with specific law firms. The exact details can vary, so it's worth checking what your own union provides. Some might offer a completely free basic will, while others might have a tiered system or charge a small fee for more complex situations. It's a bit like comparing mobile phone deals – you need to see what fits your needs and budget best. Generally, if your union offers a free will, it's a solid starting point.

Free Wills Month Schemes

These are special events, usually running in November, where various charities team up with solicitors. You can get a basic will written for a suggested donation to one of the participating charities. Think of it as a goodwill gesture. The suggested donation is typically around £100 for a single will and £180 for a pair of mirror wills. It's a good way to support a good cause while getting your affairs in order. You'll need to book in advance, though, as places can fill up quickly.

Solicitor Fees and Services

Going directly to a solicitor is always an option. Prices can vary quite a bit, though. A simple will might cost anywhere from £150 to £300, but if your situation is more complicated – maybe you have a lot of assets, business interests, or complex family arrangements – the cost can easily go up. Some solicitors offer fixed fees, while others charge hourly rates. It's always a good idea to get a few quotes and understand exactly what's included. Some firms might also offer additional services like lifetime storage or probate assistance, but these usually come at an extra cost. For more on affordable ways to write a will, Martin Lewis has some good advice on making a will affordably.

When comparing services, don't just look at the headline price. Consider what's included, the reputation of the provider, and whether they offer the level of support you need. A slightly more expensive option might be worth it if it provides greater peace of mind or covers all your specific requirements.

Making Informed Decisions About Your Will

So, you've heard about the Unison Free Wills Service, and maybe you're thinking it's time to get your own Will sorted. That's a smart move, really. But before you just jump in, it's worth taking a moment to think about how you're going to do it and what that actually means for you and your family.

Recognising Potential Pitfalls

It's easy to think a Will is just a simple document, but there are definitely things that can go wrong if you're not careful. For instance, if you're separated from your spouse but not divorced, they might still end up inheriting under the rules if you don't have a Will. Or, if you have kids, the law says they all inherit equally, no matter their individual needs, and they get it all at 18. That might not be what you want, especially if one child is more mature or has greater financial needs than another. And remember, stepchildren aren't automatically included unless you specifically say so in your Will. It's also worth thinking about what happens if you own property with someone you're not married to, or if you want to leave something to a dependant who can't look after themselves. These situations can get complicated pretty quickly.

Making a Will isn't just about saying who gets what; it's about making sure your wishes are clear and legally sound, avoiding potential arguments or unintended consequences down the line. It's a way to look after the people you care about, even when you're not around.

The Value of Professional Advice

While a Will doesn't strictly need a solicitor to be valid – it just needs to be written, signed by you, and witnessed by two people who aren't beneficiaries – getting professional advice can save a lot of hassle. Solicitors are regulated, which means there are protections in place if something goes wrong. If your situation is a bit more complex, like owning property abroad, having a business, or wanting to set up a trust, then talking to a solicitor is definitely the way to go. They can help you understand all the legal bits and make sure your Will actually does what you want it to.

Securing Your Financial Future

Think of your Will as a key part of your overall financial plan. It's not just about what happens when you die; it's about providing security for your loved ones. You can decide who looks after your children if they're under 18, how they're provided for financially, and even when they receive their inheritance. You can also specify who gets particular items, like family heirlooms, and what happens to your digital assets or even your pets. Making sure your Will is up-to-date and correctly written means your estate will be handled according to your wishes, rather than by default legal rules that might not reflect your intentions at all. It's a proactive step to protect your family's future.

Thinking about your will is a big step. It's about making sure your wishes are followed and your loved ones are looked after. Don't put it off; take control of your future today. Visit our website to learn more about how we can help you sort out your will.

Making the Right Choice for Your Future

So, while the Unison Free Wills Service offers a straightforward way for members to get their affairs in order, it's worth remembering there are other options out there too. Whether you're looking at charity schemes, employer benefits, or even just waiting for events like Free Wills Month, taking that step to write a will is the most important thing. It might seem a bit daunting at first, but sorting out your will means your loved ones won't have to face extra worries during a difficult time. It’s about peace of mind, both for you now and for those you leave behind.

Frequently Asked Questions

Who can use the Unison Free Wills Service?

Generally, if you're a member of Unison, you can use their free wills service. It's a great perk of being a member, meaning you don't have to pay for a solicitor to help you write your will. You should check the specific Unison guidelines to be sure, but it's usually for members in good standing.

How does Unison arrange for wills to be written?

Unison works with solicitors who are qualified professionals. They team up with these legal experts to offer the service to their members. This means you'll get a properly written will, prepared by someone who knows all the legal bits and bobs.

Why is it important to have a will?

Making a will is super important because it's your chance to say exactly what happens to your things and money when you're no longer around. It makes sure your loved ones are looked after and stops any confusion or arguments between them later on. It's like giving clear instructions for the future.

What if I need to change my will later?

Life changes, and so can your will. If you need to update it because of things like getting married, having children, or a change in your finances, you usually can. It's often best to speak to a solicitor or the service you used to make sure any changes are done correctly and legally.

Are there other ways to get a free or cheap will?

Yes, there are! Some other trade unions offer similar services. There are also schemes like 'Free Wills Month' where solicitors offer to write simple wills for free, usually in exchange for a donation to charity. Sometimes employers might offer this as a perk too.

What's the difference between using Unison and a standard solicitor?

The main difference is the cost – Unison members get it for free. While a solicitor you find yourself will offer the same legal expertise, you'll have to pay their fees. Unison's service is a benefit of your membership, making it a very cost-effective option.