Family Protection

The old adage says that you can’t take it with you, so the next best thing is to leave it to your loved ones. Unfortunately, this isn't always the case. The bequests you leave your loved ones can end up in the hands of strangers if they divorce, remarry or find themselves in financial difficulties.

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Online Wills

When it comes to making a will face to face communication is always better. You can discuss important issues that may be missed by a simple written questionnaire. It’s primarily for this reason that we do not offer an Online Will service - we offer a professional, face-to-face, bespoke service tailored to you.

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Home Protection

Statistics show that 1in 3 women and 1 in 4 men over the age of 65 will eventually have to live in a Care Home. Current legislation states that if your savings and the value of your home are over £23,250 then you could be expected to pay for your own Care Home costs, even if it means selling your home to do it.

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Funeral Plans

I am totally independent, which means that as there are numerous funeral plan companies on the market, I can recommend the best plan for you, rather than being tied to offer you just one company. I can do the research and from the details you give me, I can inform you of which company can offer you the best price.

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Power of Attorney

Unfortunately there are instances where someone cannot make decisions due to mental incapacity. The NHS estimate that over 2,000,000 people lack the mental capacity to make decisions for themselves due to dementia, mental health difficulties, brain injuries or other illnesses that may occur even in the prime of life.

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Probate

When somebody dies, there are a number of legal and financial duties to complete. Administering the estate can be expensive and take up time. A Solicitor can be employed to deal with Probate for you if you are named as an Executor in a Will or if there is no Will and you are the next of kin.

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For reliable and independent will writing services

contact Karen now on 0151 305 2305

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Paying for your Funeral

You can arrange to pay for your funeral in advance, normally in the form of a pre-paid funeral plan or funeral insurance.

A pre-paid funeral plan can be paid for by paying a funeral director in advance or a funeral care company.  It is wise to make sure that the company that puts your money into a Trust, therefore the money is safe if the funeral director were to go into liquidation.  Always check exactly what is covered by the plan as some plans do not cover all the expenses.

A funeral insurance is a policy that pays out a fixed lump sum which should cover the cost of a funeral.  It is sometimes called an “Over 50’s plan”.

Make sure your Executors or family members are aware of the plan details, it is often a good idea to mention the plan details in your Will.

If there are no pre-paid funeral plans or funeral insurance plans and the person has money in their bank account to pay for their funeral, be very careful as banks and building societies often freeze the individual accounts when that person dies and will not release the funds until probate has been granted, which can take months.

For help and advice on funeral plans, please contact us.