Your Spouse will Inherit the Estate. 

Other Risks to your Estate:

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• Care fees - should someone need care, your estate could be used to pay the fees

• When your children Inherit, their ex-spouses could claim some of the funds

• Your children may pay extra Inheritance Tax when they die, as your funds can increase the value of their estate

• Creditors can look to claim on the funds

• No Guardians named. The local Authority will decide on their care, this may not be family members.

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A standard Will ensures that the Estate passes to where you want. It may not protect you from the risks above, but you will at least ensured that it passes to your Spouse. 

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