THE coronavirus pandemic has taught us many things and, sadly, one of them is to have a valid will in place because if the worst happens, it can happen very quickly. 

There are three will-writing options:

1. A solicitor

2. A will-writing service

3. DIY

Will-writing in the UK, unlike most financial services, is not regulated.  However, solicitors are regulated which means our instructions are protected and our wishes are adhered to when we use a solicitor.

Will-writing services are not regulated and, of course, the DIY option is exactly that!

Warning – some will-writers, including banks and solicitors, will suggest, or even insist, that they are made an executor and for this there is likely to be a hefty charge. 

You can choose your own executor/s, with trusted family or friends often being the most reliable option.

Free will writing services

Some trades unions, including: Unison, NASUWT, Fire Brigades Union and the Public and Commercial Services Union, offer free will-writing services, as do many charities who, in return, hope to receive either a donation or a bequest.  The next charities will-writing month begins on October 1.

The DIY option 

For anyone in a simple and straightforward situation, a DIY will may be suitable.  However, the DIY option can delay proceedings particularly if the family situation is more complex, such as unmarried partners and stepchildren.

Writing a will can be challenging, however, not writing one is worse and may result in people who should benefit facing unnecessary obstacles.

Undoubtedly a difficult subject to tackle, but now is the time to put on record legally binding instructions so that your loved ones are protected.