£2,000,000 P.I. Insurance
Full Legal Will
Code of conduct
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Your Spouse gets the first £270,000.
They also receive all personal possessions and half of any remaining estate.
Your children share the remaining half
The funds are kept in a simple Trust if they are under 18
Depending on the set up of your estate, your spouse may have to sell assets to ensure the children receive their funds
Care Fees - if someone goes into care, the local authority may use your estate to pay the fees
Children's ex-spouses may claim some of the funds
Your children could pay extra Inheritance Tax on their deaths. This is due to your funds increasing the value
Creditors can look to claim funds from the estate
No Guardians named. The local Authority will decide on their care, this may not be family members.
A standard Will ensures that your Spouse inherits everything and does not leave them having to sell anything. It may not cover the other risks, but you would ensure that a Spouse is catered for.
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