Brochure PDF - Online Wills
Transcription
Brochure PDF - Online Wills
Online Wills Telephone Wills Home Wills 4 OPTIONS TO GET YOUR WILL ONLINE WILLS FROM £49.00 ONLY You can choose between any of our online products where you simply answer some straight-forward questions and submit your answers for checking. Your checked and Legal Will is usually produced within 30 minutes ready for you to print and sign. TELEPHONE WILLS FROM £75 ONLY Our most popular option – If you want guidance or are not comfortable with computers then complete your will over the phone with one of our qualified Will Writers. They will take down your instructions and write your Will as per your verbal instructions. You can ask for advice within your phone appointment and your Will is usually despatched within 30 mins via email PDF format. You can download this or await delivery of your will the very next day ready for you to simply sign and get witnessed. HOME VISIT FROM £130 ONLY If you would prefer a face to face meeting please arrange a Face- to Face consultation in the comfort of your own home with one of our qualified nationwide advisors then visit the contact us page and choose a time that’s convenient to you .Home visits have a £100 surcharge to allow for extra time and costs incurred. POSTAL WILLS FROM £75 ONLY If you would rather download your form and fill it in with your partner or are not comfortable with computers then simply click on the postal envelope on the bottom right of the screen and download your PDF (recommended format to choose) questionnaire. You can either post or email it back once completed for our team to draw up your Will. Telephone Prices apply. 00 Single Wills Single Wills Our Single Will is for any individual who wants to make a Will for themselves only. Of course, they need to be over 18 and legally able to make a Will. They can also be married (including civil partnerships), single, co-habiting, widowed or divorced. If a couple wants to appoint different Executors or Guardians, or even leave their estate to different people, then drawing up two Single Wills is the solution. Our Single Will Service is Comprehensive A Will is accurate and legal, and a complete package comprising: • A Will Document • A Will summary in plain terms • Instructions for your Executors • A detailed set of instructions for you to keep, explaining how the Will must be signed and witnessed • An e-mail from our qualified Will writers, who will give you detailed commentary of any amendments • Everything is in plain English and all documents are in easily readable PDF format Telephone Single Wills £ 75 00 Upgrade to a Mirror Will for only £ 24.00 extra GET YOUR WILL TODAY! TELEPHONE WILLS in 30 mins Single - £75 Mirror - £99 Call us on Phone: 03300 101352 today 01 Mirror Wills Mirror Wills Legal Mirror Wills Made Simple Mirror Will Writing Services A pair of Mirror Wills (often called a Joint Will) is usually the simplest and best value way for a couple to draw up their Wills. Wills-Online enables you to have two related Wills with similar agreed instructions covering your wishes for your estate, children and executors for much less than the cost of two Single Wills. • A pair of Mirror Wills needs to be very closely related, but you can still have minor variations in your instructions. Since there’s a significant amount in common, you make a great saving. You get all this with your Joint Will • A pair of Mirror Wills • A plain-English summary of the Wills • Executor instructions • Detailed, easy-to-follow instructions so you can sign the Wills and have the signing witnessed • Our qualified Will writers’ e-mail to explain any amendments that have been made • Plain English documentation • All documents in easily readable PDF format • Mirror Wills can take care of the major issues for most families, but if you need to have major differences between the Wills, such as different Executors or Beneficiaries, then you will need to use our Single Will Writing Services. Mirror Wills £ 99 00 Upgrade to a Mirror Will for only £ 24.00 extra GET YOUR WILL TODAY! TELEPHONE WILLS in 30 mins Single - £75 Mirror - £99 Call us on Phone: 03300 101352 today 02 Living Wills Advance Directive An Advance Directive helps people to make choices as to what they would prefer to occur to them should they lack the capacity to make informed decisions about the medical care they may receive in the future years. Such decisions could be the use of cardiopulmonary resuscitation, the use of life saving treatments where your capacity may be impaired eg brain damage, stroke, head injury or dementia. Religious reasons such as blood transfusions can be decided whilst your still in good health. Indeed any decision where you feel there may be even a greater risk to your life. It differs from a Lasting Power of Attorney as you cannot instruct someone to make those decisions for you, on your behalf. You cannot dictate a certain medical treatment or an aided suicide – it does have limitations of course. Should a doctor or surgeon perform any life saving treatment against your wishes you/ your family can make a legal claim against them. As such its advisable that your family and your Doctor should be informed that such a Directive exists. Great care and consideration is given to your wishes within your Living Will and as such we offer 4 clearly laid out alternatives for you to choose during the questionnaire process. These are all explained in detail for your assessment. Simply call us now and let one of our qualified experts construct your Living will.On completion, payment and submission your Legal Living will is delivered via PDF ready for you to print and sign or next day post. Living Will 79 £ 9999 Mirror £ 99 Single Advance Directives Call us on Phone: 03300 101352 today 03 Living Wills General Powers of Attorney This is a Non Enduring Power which means as soon as you are diagnosed as losing mental capacity the Power ceases. The opposite to a Lasting Power of Attorney this is to appoint a person/persons to make general decisions on your behalf. You may not be positioned to make the meetings, be out of the country or would just prefer to hand all that over to a trusted loved one. These are becoming increasingly popular with the young and old. It is also important to complement this General Power with a Lasting Power should in the future you become incapacitated. Living Will 79 £ 8999 Mirror £ 99 Single Advance Directives Simply call us now and one of our qualified experts shall construct your General Power. On completion, payment and submission your Legal Living will is delivered via PDF ready for you to print and sign or Next day post. We write your Lasting Power Of Attorney’s (LPA) A Lasting Power of Attorney allows for you to control who decides certain elements of your life after you have become unable to do so. Online Wills supplies our valued customers with 2 forms of Lasting Power of Attorney’s (LPA’s) same day The 2 types of LPA we offer are as follows: Lasting Power of Attorney (Property and Finance)– controls who has the final word over your property and affairs once you are incapable of making such a decision for yourself. Lasting Power of Attorney ( Health and Welfare) – controls who has the final word over your health and welfare once you are incapable of making such a decision for yourself. When written alongside a Will, the Lasting Power of Attorney (in both formats) provides a powerful and stable cushion to fall back on in times are hardship regarding any health problems. Call us on Phone: 03300 101352 today 04 What Does A Lasting Power Of Attorney Protect Me Against? The LPA will protect you against the following: • Falling ill • Being mentally or physically incapacitated • Knocked unconscious and unable to communicate • Onset of a clinical condition (For example, dementia) The LPA will provide a benchmark on how a situation should be resolved, most importantly by someone who cares for your health, properties and welfare. Call us on Phone: 03300 101352 today 05 Lasting Powers of Attorney What If I Don’t Have A LPA And Something Unfortunate Happens? If this is the case then as something unfortunate unfolds that renders you incapable of making your own decisions or communicating them to those around you then your care will fall into the Court of Protection where you will be charged for advice and help. Alternatively you can choose to have a LPA opened at this time by applying to the Court of Protection, although this process can take up to 10 months and cost upwards of £1000. How Do I Make A LPA For Myself? We have tried to simplify this for our valued customers as much as possible. We offer the Lasting Power of Attorney, Health & Welfare (LPA-HW) and the Lasting Power of Attorney, Property & Affairs to the public at an affordable rate. What If I Want An Enduring Power Of Attorney (EPA)? Unfortunately you cannot make a new or edit an existing Enduring Power Of Attorney (EPA). For those who have produced one before October 2007 that was correctly signed and witness then it is still valid. Call us on Phone: 03300 101352 today 06 Protective Property Trusts What Is A Protective Property Trust Will? The Local Authority is able to seize a person’s home in order to pay for care costs. This will only happen if the person in question owns the full share of their home, not including the mortgage and their personal worth is more than £23,250.00 inclusive of the current value of their home. What this means is if one spouse or partner passes away, and leaves the other as a survivor, who then inherits 100 percent of the property and then goes into Long Term Care, the property in question is almost certain to be seized by the Local Authority to pay for the costs involved. On average the cost of care in the South-East is £750 per week – that’s £39000 per annum. Needless to say if you or your partner require care in the future in a care home or nursing home it will not take long for your loved ones inheritance to vanish – yet if you had nothing you would get your care home costs paid for FREE - hardly fair or fitting for your lifetimes work and plans is it ? It’s a small price to pay ( £149) to protect your life’s savings and protect your loved ones’ inheritance – Call us now, set aside 30 minutes and a Qualified Will Writer will prepare this Will ready for you to sign same day. Protect your loved one’s inheritance today. Call us on Phone: 03300 101352 today 07 Why Do I Need A Protective Property Trust Will? A Protective Property Trust Will stops the Local Authority being able to seize the property by ensuring that neither partner nor spouse owns the property fully. Keeping each share at 50% even in the event of the death of one. The Protective Property Trust Will stipulates that the first to die, will not leave their share to the survivor, but instead specifies that the survivor continue to live in the property under the laws of Life Interest or Right of Residence. This means in short that the survivor doesn’t own 100% of the property, therefore the Local Authority cannot seize the property to pay for any care costs, with the survivor in question still being able to live, unhindered in the property with a 50% stake under Life Interest and Rights of Residence. Mum’s £250,000 savings are gone Cecile Harris, 88, has eaten through more than £250,000 from a lifetime of work - but still doesn’t qualify for full funding. Yet Mrs Harris is unable to walk, eat or go to the lavatory unaided, and is in poor mental health. She suffered a stroke in December 2003, and went in to a care home near Oxford in 2004. Her three daughters, Gillian, 63, Jennifer, 61, and Carolyn, 58, have fought - without success - to secure their mother NHS funding. During this battle, they have had to sell her £188,000 home, spend her savings of £30,000 and use her income from her own state pension and two widow’s pensions from her husband Charles. He died 20 years ago, but served for six years in the RAF and for 30 years in the police. Mrs Harris’s care home costs £106 a day - and the total bill for a week runs closer to £800. Initially, local social services provided £108.70 in funding. But last March Mrs Harris’s own savings began to run dry and fell below the £23,250 needed to qualify for more. Yet she will still need to pay £200 a week for her care. Gillian, Jennifer and Carolyn (pictured from left with their mother) have now enlisted the help of lawyers as they try to fight their case for full funding. ‘I’m incredibly angry,’ says Gillian. ‘We have tried everything. But it seems you have to be at death’s door to receive free care from the NHS. Why did my mother and father work and save all these years? The money is just eaten up by the system.’ Call us on Phone: 03300 101352 today 08 Discretionary Trust Will What is a Discretionary Trust Will? This is a legal vehicle to protect assets i.e. land, buildings and money etc to mitigate as far as possible an estate’s liability to inheritance tax. The trust can also be used if the Testor wishes to ensure protection over what he leaves behind, if he feels a beneficiary is not capable or responsible enough to look after his own affairs. It can also be used to enable trustees to give financial assistance to a beneficiary in their life when it is most needed i.e. education, purchase a property or general living expenses The trust must have trustees (usually trusted family) appointed who are legally responsible for the assets, property, money or other held in the trust ( Trust property). They are required to manage the trust in accordance with the wishes of the person who placed assets in the trust (the Will maker/Settlor). Great care and consideration should be given as to who are the appointed trustees as they have considerable power within the trust. In circumstances where high value estates are involved, consideration should be given to appointing an independent trustee or our preferred recommendation. Income received by Discretionary trusts is subject to income tax at special rates. Call us on Phone: 03300 101352 today 09 Guardianship Insurance What is Guardianship Insurance? Every responsible parent ensures that they provide for their children in life- at least until the age of 16yrs. The provisions they make are made up of accommodation, health and welfare, food and nourishment, education (possibly further education), social expenses and entertainment, birthdays, holidays and future saving provisions. We hopefully struggle through and provide the best we can. BUT what happens if one or both parents die when your children are at an age where they cannot provide for themselves? This is why we take out Life Insurance, most parents have some form of life cover – to support our surviving spouse/ partner. (If you don’t have any life cover then please contact us to arrange this). BUT what if you both die? This is why you appoint Guardians for your children in your will. Trusted family or friends to entrust the upbringing of your most precious loved one’s as you would have wished. Can they afford your wishes? – Is it fair they should pay? Guardians have a tall order not only do they inherit a complete change of lifestyle and extra responsibilities but also a huge financial burden which may place a huge financial strain on their household. Can they afford the luxuries you want for your children, the education you desired and the high university fees which may be needed? What can you do to ensure this is taken care of? Guardianship Insurance is a life insurance policy taken out on the lives of you, the parents, which you place in trust to your guardians in the event of your deaths. It’s a very small monthly premium that you pay and if the “unthinkable happens” then a large Lump Sum is paid directly to your appointed guardians so that your children receive what you wanted and the financial burden is relieved on their household. Call us today and get a FREE no obligation quote within minutes. Policies are usually set up and live within 24 hours Call us on Phone: 03300 101352 today 10 Tenants in Common Make Yourselves Tenants In Common Now Every year we see a rise in the number of homeowners who choose to assign their properties as tenants in common for a multitude of reasons, we seem to find the most common are to cut inheritance tax, avoid care home fees or to protect their own share in a home. What Is A Tenant In Common? The vast majority of couples own a home as joint tenants, this allows them the freedom of legally owning a home together while still protecting them in case anything should go wrong in the future, both parties own an equal share. Should one of the people in a partnership die, the sole ownership of the home falls upon the final remaining person in the agreement. The tenants in common agreement allows further flexibility for both partners by allowing them to set a share of the property in question. Some people still choose a 50% share in the property while other people use this opportunity to opt for a smaller/larger bid on the property. Should one of the people in the partnership die, the tenant can pass their share of the home to whomever they like (most notably their children) while the other party can happily live at the home, passing their share on after their death. Providing there is an unequal share in the home, for examples sake, if Person A has 70% of the home and Person B has 30% of the home and there is a disagreement that results in one person wanting to leave the property, then both parties are protected. One does not gain or lose any share if the other person decides to leave. Top 3 Benefits To Creating Tenants In Common. decided to invest in. Choosing to use a Tenant in common arrangement over a joint tenancy will help minimise inheritance tax. It can help you secure your children’s foothold on the property ladder while protecting their money It protects both parties up until the share they originally Converting from ‘Joint Tenants’ to ‘Tenants in Common’ – £59.00 To make yourself a Tenant in Common please click on the button above and fill out your details. Call us on Phone: 03300 101352 today 11 Insurance Policies in Trust Do you want 40% of your Insurance Policy going to the Taxman or your Loved ones? Be smart and ensure your loved ones get it and place it in trust now Example – Life insurance policy of £100,000 = £40,000 to the Taxman Takes just one call back, 5 minutes of your time and its actioned within 72 hours What Is A Trust? A trust allows you to set aside an asset to benefit a specified person or people (the beneficiaries). A trustee manages the asset until such time as the beneficiary is intended to benefit. For example, your spouse may look after property on behalf of your children until they reach a responsible age. Life insurance policies are such an asset, and putting a policy into a trust has huge consequences on what happens to the payout from a policy in the event of your death. Note: In industry jargon, putting a life insurance policy into a trust is known as “writing life insurance in trust” or a policy is “written in trust”. CREATE A TRUST Protect your assest Create a trust and protect your legacy today Call us on Phone: 03300 101352 today 12 The Principal Advantages To Putting A Life Insurance Policy Into Trust Are As Follows: • Trusts can help sidestep inheritance tax. • Inheritance tax and the use of trusts. Tax advantages can accrue to those individuals who are prepared to make use of trusts. If you do not make use of trusts then certain assets can be eligible for inheritance tax, which is payable at a rate of 40%. For life insurance policies the total value of that policy, when paid out, can form part of your estate. This will impact upon any pay outs in excess of the threshold for inheritance tax in the UK, currently £325,000. Therefore making use of a trust is very sensible. • By writing a life-insurance policy in trust, the proceeds from the policy will be paid directly to the beneficiaries rather than to your legal estate, and will therefore not be taken into account when inheritance tax is calculated. This means the value of your estate may not move above the threshold, depending on your circumstances. • It is also important to remember that any inheritance tax is payable within six months of a death. By putting life insurance in trust, it may help your family meet a tax bill. • You don’t need probate to be granted in order for the policy to pay out. • Writing a policy in trust also means payment to your beneficiaries is likely to be quicker, as the money will not go through probate. This is a legal process that confirms an executor’s authority to deal with your possessions. For example, if you leave everything to your spouse in your will, then your spouse will have to get probate granted before they can distribute your money, property and so on. This process can take a long time, even when there is a Will. In cases of intestacy, it can drag on for a lot longer. • It is essential that you consider various factors before you decide that your life insurance policy should be put into trust. There is often a delay between the death of the policy holder and the insurance payment being made. For a family who have to cope with not only the death, but also the expense of a funeral and other arrangements, this can be a very difficult time. In trust, you may find it easier to access the resulting payment as this will simply require a death certificate. This can occur before probate is granted. With a trust, there is absolute control over the policy which is not the case with other arrangements. • Another benefit of including life insurance in a trust is that you can specify the division of resulting income. If you have debts, then you will obviously want the money to go to your family rather than to creditors. Similarly, you may decide to appoint trustees to oversee the arrangements of payments to children (those under 18). Call us on Phone: 03300 101352 today 13 Secure Will Storage Your Will or LPA is an extremely important document. To lose or misplace your will could be potentially disastrous – and we all know how easy it is to tuck a document away somewhere safe – only to discover it’s completely disappeared! Our document storage service can prevent this from happening – and will also protect your document from any theft, loss, damage or fire. Our Document Service Feel secure in the knowledge that your documents are: Kept in original condition. Available for your Executors so they can deal with your Estate and assets with ease and speed. We also provide: • A certificate of storage and a set of storage cards for your executors, detailing where your documents are stored, and how to retrieve them. • Peace of mind that your will is stored in a facility which is both fireproof and easily locatable. • A cheaper rate than that of your solicitors or bank. • A document envelope large enough to store extra documents other than just your will (or LPA) Call us on Phone: 03300 101352 today 14 Funeral Plans Our range of pre-paid funeral plans will suit every budget in making those sensitive and delicate arrangements you need to make for the passing of a loved one or your own funeral. We take away the worry of paying for a funeral in a lump sum with our easy instalment plans. A prepaid funeral plan not only gives you what you want but also, at a time of huge grief for your remaining loved ones takes away the cost and stress of organising your funeral. Contact us today and speak to a consultant who can advise you of the options available to you 50 Plus Base Funeral Plan • Covers the funeral director’s services • Provision of a hearse to a local cemetery or crematorium • Simple Coffin • Excludes allowance towards third party costs - these must be paid for at time of funeral • Pay in full, over 12 months or by fixed monthly payments from £15.11 a month 50 Plus Standard Funeral Plan • Covers the funeral director’s services • Provision of a hearse to a local cemetery or crematorium • Simple Coffin • Includes allowance towards 3rd party costs such as crematorium, doctor’s and clergy fees • Pay in full, over 12 months or by fixed monthly payments from £21.41 a month 50 Plus Select Funeral Plan • Covers the funeral director’s services • Provision of a hearse & limousine to a local cemetery or crematorium • Superior Coffin • Includes allowance towards 3rd party costs such as crematorium, doctor’s and clergy fees • Pay in full, over 12 months or by fixed monthly payments from £23.64 a month Call us on Phone: 03300 101352 today 15 Pricing Options Wills Online provide you with four different service levels options to suit ALL budgets and preferences. 4 Options available • Option 1 - ONLINE WILLS FROM £49.00 ONLY • Option 3 - HOME VISIT FROM £130 ONLY • Option 2 - TELEPHONE WILLS FROM £75 ONLY • Option 4 - POSTAL WILLS FROM £75 ONLY Online & Telephone Price List WILLS Services • Online Single Will - £49.00 (Telephone Single Will £75.00) • Online Mirror Will - £69 (Telephone Mirror Will £99.00) • Protective Property Trust Will - (Telephone Will Service Only) £149.00 • Discretionary Trust Will - (Telephone Will Service Only) £199 • Lasting Power of Attorney (Property and Financial Affairs) - Online Service £49.00 (Telephone Service £99.00) • Lasting Power of Attorney (Health and Welfare) - Online Service £49.00 (Telephone Service £99.00) • Tenants in Common and Severing a Joint Tenancy - Online • Pair of any Lasting Powers Of Attorneys - Online Service £99.00 (Telephone Service £149.00) • Will Storage - £25.00 Per Annum • Any Home Visit Service Nationwide- add £99.00 • Living Will - Advance Directive - From £29.99 • Living Will - General Power of Attorney - From £29.99 Call us on Phone: 03300 101352 today 16 Pricing Options Special Offer Wills-Online are offering a FREE Life Insurance in Trust service with any will purchase (STS) This ensures that your life policy is paid out immediately to your beneficiaries avoiding lengthy drawn out probate and that you may avoid the 40% Inheritance Tax liability that may be due if were not put in Trust.You may also avoid the 40% Inheritance Tax liability that may be due if were not put in Trust which puts the money in your loved ones hands and NOT the Taxman.Example: £100,000 life policy – you save £40,000 Tax. (Normal Price £89) Other Wills and Trusts include (Telephone & Home Visit only) • Probate and Executorship services - 3.5% of deceased Estate value on death • Document storage service of your will - £25 each year • Spousal Bypass Trust - £299 • Business Asset Will - £499 • Flexible Life Interest Trusts - £499 • Disabled / Vunerable persons Trust - £399 • Other administrative services - Price on application As well as the specialist document preparation services for wills, and other legal documents, that we have specified we also offer a range of administrative services. Call us on Phone: 03300 101352 today 17 TELEPHONE WILLS in 30 mins Single - £75 Mirror - £99 Telephone Wills Want a UK Legal Will made in 1 hour? Give one of our team a call and we can arrange for your tailored will to be written in 1 hour for £75 In-Person Wills Get a will made in the comfort of your own home, or a local venue by one of our highly trained will writing experts. Create Online Wills in 3 simple steps £49 1. Answer Questions 2. Check & Pay 3. Print & Sign Postal Wills from £75 only Contact Info PFS MANOR HOUSE, Augustus Rd Hockliffe, Bedfordshire, LU7 9NS Phone: 03300 101352 Email: [email protected] Web: online-wills.co.uk