Explore Your iWill Recommendation
Your adviser has discussed the iWill most appropriate for your circumstances and wider estate planning.
Use this page to revisit your recommendation, understand what your iWill is designed to do and explore some of the important decisions that will form part of your Will.
Please focus on the iWill discussed during your planning meeting.
iWill Essential
Clear instructions for the people and things that matter to you.
iWill Essential is designed for an individual who wants to clearly record what should happen to their estate after death.
It allows you to choose who should administer your estate, who should inherit, who should care for young children where relevant, and how particular gifts and other wishes should be dealt with.
What iWill Essential focuses on
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Your executors are responsible for administering your estate and carrying out the instructions contained within your Will. Choosing people you trust and who are capable of taking on the responsibility is an important part of your planning.
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You can clearly identify the people or organisations you want to benefit and how the remainder of your estate should ultimately be distributed.
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If you have children under 18, your Will can record who you would want to take responsibility for them if guardianship became necessary.
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You can record particular gifts of money or possessions and include other relevant wishes so your family has greater clarity about what you wanted.
How this helps you
Your wishes are clearly recorded
Rather than leaving your family to make assumptions, your Will provides a formal record of how you currently want your estate to be dealt with.
You decide who takes responsibility
You choose the executors who will be responsible for administering your estate and carrying out your instructions.
Important family decisions are considered
Beneficiaries, guardians, gifts and what should happen if somebody you have named dies before you can all be considered within your planning.
What happens after you decide to proceed?
01 — We collect your final instructions
We confirm the people, assets, beneficiaries, executors, guardians and wishes required to prepare your Will.
02 — Your iWill is prepared
Your Will is drafted around the recommendations and instructions agreed during your planning.
03 — You sign your Will
You receive clear guidance on completing the Will correctly so it can be formally executed and kept safely for the future.
Your adviser will guide you through each stage of putting your iWill in place.
iWill Essential FAQs
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Executors are responsible for administering your estate after death. This can include identifying and valuing assets, dealing with debts and taxes, obtaining any authority required to administer the estate and distributing assets according to your Will.
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Yes. Your Will can identify beneficiaries, specific gifts and who should receive the remainder of your estate after liabilities, expenses and gifts have been dealt with.
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Your Will can include substitute beneficiaries, allowing you to record who you would want to inherit instead if somebody you have named dies before you.
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Yes. If you have children under 18, guardianship is an important part of Will planning and allows you to record who you would want to take responsibility for them if required.
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Yes. Wills should be reviewed as your life changes. Marriage, divorce, new children, significant changes in assets or changes to the people you want involved can all be reasons to review your arrangements.
iWill Together
Coordinated Wills for couples planning their future together.
iWill Together is designed for couples who want their individual Wills to reflect a shared family plan.
Two separate Wills are prepared, commonly with similar or corresponding instructions. This might include providing for each other first and then setting out who each person currently intends to inherit afterwards.
What iWill Together focuses on
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Your Wills can be prepared alongside one another so that both partners' intentions form part of a coordinated family plan.
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Your planning can clearly record what you want to happen for your spouse or partner if you die first.
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You can record who you currently want to benefit after the first and second deaths, such as children, grandchildren or other chosen beneficiaries.
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Executors, guardians, substitute beneficiaries, gifts and other family wishes can be considered across both Wills.
How this helps you
Your arrangements work together
Instead of having two unrelated Wills, you and your partner can create arrangements designed around the same overall family objectives.
Greater clarity for those you leave behind
Your Wills can make it clearer what each of you wants to happen and who you currently intend to benefit.
You each retain your own Will
Although the Wills may contain similar provisions, they remain separate legal documents belonging to each individual.
What happens after you decide to proceed?
01 — We collect your final instructions
We confirm the people, assets, beneficiaries, executors, guardians and wishes required to prepare your Will.
02 — Your iWill is prepared
Your Will is drafted around the recommendations and instructions agreed during your planning.
03 — You sign your Will
You receive clear guidance on completing the Will correctly so it can be formally executed and kept safely for the future.
Your adviser will guide you through each stage of putting your iWill in place.
iWill Together FAQs
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Two. Each person has their own Will, even where the instructions are designed to mirror or complement each other.
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No. Your Wills should reflect the arrangements agreed as part of your planning. Leaving assets to one another first is common, but it is not the only possible approach.
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Yes, where appropriate. However, each person is making their own Will and therefore makes their own appointments and instructions.
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Not necessarily. Mirror Wills remain separate Wills, and the survivor may generally be able to change their own Will later. This is particularly important where protecting an eventual inheritance is a priority.
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Blended families can require additional planning. If assets pass outright to a surviving partner, there may be less certainty over what eventually reaches children from an earlier relationship. Your adviser may therefore have discussed trust provisions or wider estate planning with you.
iWill Platinum
Greater control over how your inheritance is managed after you are gone.
iWill Platinum is designed for families who want more than a straightforward outright distribution of their estate.
It incorporates trust provisions within your Will, allowing relevant assets to be held and managed by trustees after death. This can provide greater flexibility and control around how beneficiaries are supported and how inheritance is ultimately distributed.
What iWill Platinum focuses on
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Instead of requiring relevant assets to pass outright immediately, your Will can establish a trust under which appointed trustees manage them according to the terms you put in place.
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Trust planning can provide a framework around when, how and in what circumstances beneficiaries ultimately receive or benefit from the assets.
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Will trusts can be particularly relevant where there are blended families, young beneficiaries, vulnerable beneficiaries or other situations where a straightforward inheritance may not provide enough flexibility.
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The trustees you appoint take responsibility for administering the trust and making decisions within the powers and rules established by the Will.
How this helps you
Plan beyond the first inheritance
Your planning can consider not only who benefits immediately after your death, but what you would like to happen to the relevant assets over the longer term.
Greater flexibility for your family
Different beneficiaries may have different needs. A trust structure can provide greater flexibility than requiring everything to be distributed outright at the same point.
A clearer framework for future decisions
Your trustees have a defined legal structure within which to manage the relevant assets and consider the beneficiaries named in your planning.
What happens after you decide to proceed?
01 — We collect your final instructions
We confirm the people, assets, beneficiaries, executors, guardians and wishes required to prepare your Will.
02 — Your iWill is prepared
Your Will is drafted around the recommendations and instructions agreed during your planning.
03 — You sign your Will
You receive clear guidance on completing the Will correctly so it can be formally executed and kept safely for the future.
Your adviser will guide you through each stage of putting your iWill in place.
iWill Platinum FAQs
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A Will trust is a trust created through provisions contained in your Will. Instead of certain assets simply passing outright, trustees are appointed to hold and manage them according to the terms of the trust.
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The trust provisions are contained within your Will and therefore do not operate as a lifetime trust while you are alive. They take effect after death when the relevant provisions of the Will become operative.
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No. A Will only takes effect after your death. Having trust provisions within your Will does not itself mean that you transfer your assets into that Will trust during your lifetime.
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No. A trust can be established for the benefit of your chosen beneficiaries. The difference is that it provides a structure around how the relevant assets are managed and distributed rather than necessarily requiring an immediate outright inheritance.
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No. This is an important distinction. iWill Platinum contains trust provisions that operate through your Will after death. An iTrust is separate lifetime trust planning and can operate during your lifetime as well as beyond it.