Ensured Wills

Other Services

Ensured Wills offer far more than a standard will writing service. In addition to our Will writing service we can provide:

A large number of safeguards via Will Trusts.

Lasting Powers of Attorney (Property & Financial Affairs and Health & Welfare).

Ensured Wills are an approved agent for Golden Charter Funeral Plans (the largest funeral plan provider in the UK).

Ensured Wills are a licensed "Safe Guardian" via National Will Safe, providing safe document storage.

We can provide useful and helpful guidance on Probate and Estate Management.
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A range of additional services

For further information on the other services that we offer apart from Wills, Will Trusts, Lasting Powers of Attorney and Funeral Plans, please use the links below.

Safe Document Storage
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Will Registration
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Probate
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Estate Management
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Ensured Wills

Safe Document Storage

National Will Safe Logo The complete document storage solution – Via National Will Safe. The “original” Will document that you have signed and paid for is the ONLY legally binding version. Scans, photocopies and computer records are not legally valid because they don’t have your original signature on them. Find Out More
You should not store your will at home!

01

If you have a fire, flood or burglary, you risk losing your Will. If your Will is damaged in any way, then the courts could declare the Will invalid.

02

If your Will ever falls into the wrong hands, this person may destroy your Will to make a claim on your estate through the courts!

For a small annual fee...

1. Your Will and any other relevant legal documents, such as Lasting Powers of Attorney or property deeds can be stored in waterproof wallets in a specialist document storage archive.

2. While your documents are with National Will Safe they are fully insured against loss or damage. If anything happens to your documents, they will be recreated and replaced to you free of charge.

3. If your Will is lost or damaged after your death, or its loss or damage only comes to light after your death, then your Executors are insured for up to £2million to compensate your estate and it’s beneficiaries.

4. You can access your documents at any time – free of charge. These documents can be returned to your executors, attorneys or to you, using an insured delivery service.

5. All location of your documents are automatically recorded on the National Wills Register.

Safety is the cheapest insurance policy. Guarantee your will is safe! Contact Us
Ensured Wills

Will Registration

National Will Safe Logo Certainty the National Will Register is the Law Society's endorsed provider of a national Will Register and is chosen, endorsed and used by the public, legal profession, law firms, PI insurers, Government agencies, charities, the public and other associated sectors and organisations to Register Wills and Search for Wills. Find Out More

Certainty is the longest-established and by far the largest register in the UK. Thousands of Will writing professionals and the public use Certainty to register Wills and search for Wills prior to distributing the estate. Registering your Will is an essential part of the Will making process and you should ensure you do so with a long-standing register with impeccable credentials.

Will Search

Certainty Will Search is proven to reduce the risk of distributing an estate during probate on an assumed intestacy basis or when a Will or later Will may exist. There are many reasons why a Will may have been forgotten about, maliciously destroyed, or where an unknown later copy exists. Certainty Will Search provides a recommended and accredited search process that searches for registered and unregistered Wills to understand if a Will or later Will exists.

Will Registration

Certainty Will Registration is also proven to protect the Testator's beneficiaries by ensuring, through Certainty Will Registration, their Will can be found and their last wishes adhered to. Certainty does not disclose the existence of a Will or need to see a copy of it to register it. The existence of a Will is disclosed by the 'holder' (solicitor, etc) after a death has been confirmed by way of a death certificate.

In excess of seven million Wills are now in the system and continues to grow daily.

Get in touch with Ensured Wills to arrange your Will registration today. Contact Us
Ensured Wills

Probate

Most estates have to go through probate, whether you leave a will or not. It ensures the deceased estate passes to the right people and all tax due on death is identified and collected. Find Out More
What is probate?

If your estate is over five thousand pounds, before it can be collected for distribution, a Grant of Probate must be obtained. This means the will must be formally recognised at the local Probate Registry. Banks, building societies, and insurance companies will often insist on seeing a Grant of Probate before they pay out and your house will not be able to be sold.

If your estate is worth more than £325,000 it may be liable to Inheritance Tax and you would be wise to enlist the help of a professional. If you are acting as an Executor in a will then you are personally liable for any debts, so professional advice is essential.

Do I need probate?

We are able to arrange a free appointment with one of our associates at your home in order to assess your particular situation. During this visit you will be advised how to proceed on your own should you feel able to, or they can give you an all-inclusive price to administer the estate on your behalf.

Their price is not an hourly rate, but a total fixed price to deal with all aspects of the estate. There are no deposits, and their fee is payable from the estate at the end of administration, which ensures that we will not delay in our administration. They will then take away all relevant documents and begin correspondence, providing you with regular updates until they have finalised all aspects of the estate administration.

Get in touch with Ensured Wills to arrange an assessment your particular situation. Contact Us
Ensured Wills

Estate Management

Administering an estate on the deceased's behalf is the role of the Executor / Trustee. It can be quite a daunting proposition to some. For an overview on the main responsibilities that need to be undertaken, click to find out more. If you feel too daunted by this proposition and require professional help, please contact us for guidance and our associates can help you. Find Out More
The Executors Duties
Register the Death

Obtain copies of the death certificate.

Arrange the funeral

Most banks and building societies will pay the funeral bill before probate is granted. When you ask our associates to deal with the legal process, they can usually get the funeral paid from the deceased’s own bank or building society, avoiding relatives having to pay from their own funds.

Apply for a grant of probate

This will usually involve a visit to the court where you will be required to swear an oath. If you ask our associates to deal with this on your behalf, you will not be required to attend court.

Open a personal representative's bank account

This will be used for the receipt of money due to the Estate and any loan arranged to pay an Inheritance Tax bill and/or probate fees.

Inform all relevant persons and organisation

Banks, building societies, life assurance companies, employers, local authorities, HMRC, and benefit agencies will all need to be informed.

Valuation of the estate

This will include the house and its contents, other personal effects, investments in savings plans, equities, life policies, building societies etc. Draw up a detailed schedule of all the deceased's assets.

If you are acting as an Executor in a will, then you are personally liable for any debts, so professional advice is essential.

Draw up a Full Schedule of Debts That Must Be Paid from the Proceeds of the Estate

These will include mortgages, income and capital gains taxes, bills, credit cards, loans, and overdrafts.

Complete All Legal Forms

This includes forms required by the HMRC Capital Taxes Office so that it can be established whether any Inheritance Tax is due.

Complete the Probate Forms

These must be filled in and sent or taken to the Probate Office along with the original will, the death certificate and the HMRC account.

When inheritance tax is due, the executor's account of the estate is passed to the HMRC and the Grant of Probate cannot be issued until the tax is paid. There will be circumstances where part of the Estate has to be sold to pay Inheritance Tax and if this is the case banks can arrange loan facilities to pay the tax straight away. Please note: There are occasions where Inheritance Tax can be mitigated. This is a highly specialised field of legal and financial expertise, contact us to obtain guidance if an estate is over £325,000 (Current Inheritance tax threshold).

Copies of the Grant of Probate should be sent to everyone who owes money to the estate. both accounts, insurance policies, shares, property, and other savings and assets will need to be collected in, sold, or transferred to beneficiaries.

Any outstanding bills will need to be settled, such as credit cards, loans, mortgages, and all utilities e.g. gas, electricity, council tax and water rates paid.

When the Grant of Probate is received, the estate can be divided according to the terms of the Will. The Executor must prepare and sign accounts showing who has received what from the distribution. They must be able to show that they acted in accordance with the terms of the Will in case there is any dissent from the family of the deceased.

All papers, including the Grant of Probate and the accounts, must be stored safely for a period of 12 years.

Sound complicated? Contact us to get one of our associates to deal with all of this on your behalf Contact Us