Question 1

What is a will?

Accepted Answer

A will is a legal document that sets out your wishes for what happens to your money, property, and possessions after you die. It allows you to decide who inherits your estate, who will manage your affairs (your executor), and who will look after your children if they're under 18 (your guardians).Without a valid will, the law decides who gets what through intestacy rules, which rarely match what people actually want. A will gives you control over your legacy and makes things much easier for your family during a difficult time.To be legally valid in England and Wales, your will must be in writing, signed by you, and witnessed by two independent people who are not beneficiaries.

Question 2

What happens if I die without a will?

Accepted Answer

If you die without a valid will in England and Wales, you die 'intestate' and the law decides who inherits your estate through fixed intestacy rules.Under intestacy rules:Unmarried partners get nothing - even after decades togetherStepchildren get nothing - unless legally adoptedYour spouse may not get everything - they might only get half if you have childrenThe courts decide who looks after your children - not youFriends and charities get nothing - no matter how close or important they wereIntestacy also means higher legal costs, longer delays, and often family disputes. Your estate could take 12-18 months or more to sort out, compared to 6-9 months with a will.Making a will is the only way to ensure your wishes are followed and your family is properly protected.

Question 3

What is intestacy?

Accepted Answer

Intestacy is the legal term for dying without a valid will. When this happens, your estate is distributed according to the intestacy rules of England and Wales - a fixed legal formula that determines who inherits based on your family relationships.The intestacy rules follow a strict hierarchy: spouse/civil partner first (but not unmarried partners), then children, then parents, then siblings, and so on. The exact amounts depend on the size of your estate and who survives you.Intestacy rules were designed decades ago for traditional families and don't reflect modern life. They don't account for unmarried partners, stepchildren, close friends, or charitable wishes. This is why making a will is essential - it's the only way to override intestacy rules and ensure your wishes are followed.

Question 4

What is probate?

Accepted Answer

Probate is the legal process of administering someone's estate after they die. It involves proving the will is valid (or if there's no will, appointing administrators), valuing the estate, paying any debts and taxes, and distributing assets to beneficiaries.The executor named in your will needs to apply for a 'grant of probate' from the Probate Registry. This legal document gives them the authority to access the deceased person's bank accounts, sell property, and distribute the estate.Probate typically takes 6-12 months for straightforward estates, but can take much longer if the estate is complex or if there are disputes. Most banks, building societies, and other institutions won't release funds without seeing the grant of probate.Not all estates need probate - small estates or jointly-owned assets that pass automatically to the surviving owner may not require it. However, most estates with property or significant savings will need to go through probate.

Question 5

What is an executor?

Accepted Answer

An executor (also called a personal representative) is the person or people you name in your will to carry out your wishes after you die. They're responsible for managing your estate through the probate process.Your executor will:Register your death and arrange your funeralFind and value all your assetsApply for probate (legal authority to act)Pay your debts, taxes, and billsDistribute your estate to beneficiaries according to your willKeep accurate records of everything they doBeing an executor is a significant responsibility that typically takes 6-12 months. You should choose someone who is trustworthy, organized, and capable of handling financial and legal matters. Many people choose their spouse, an adult child, a sibling, or a trusted friend. You can also appoint a professional executor such as a solicitor.You can name up to four executors, and it's always wise to name backup executors in case your first choice can't or won't serve.

Question 6

What is a guardian?

Accepted Answer

A guardian is someone you appoint in your will to look after your children (under 18) if both parents die. Guardians will have full parental responsibility, making all decisions about your children's upbringing, education, healthcare, and day-to-day care.Choosing guardians is one of the most important decisions in your will if you have children. Without a will, the courts decide who looks after your children - and it might not be who you'd have chosen.When choosing guardians, consider:Do your children know and trust them?Do they share your values and parenting style?Are they willing and able to take on this responsibility?Will they raise your children in an environment you'd approve of?You can appoint different people to be personal guardians (day-to-day care) and financial guardians (managing inheritance money). Always name backup guardians in case your first choice can't serve. You should also discuss your wishes with potential guardians before naming them in your will.

Question 7

What is a residuary estate?

Accepted Answer

Your residuary estate (or residue) is everything that's left in your estate after all debts, taxes, expenses, and specific gifts have been paid or distributed.For example, if your will says:£5,000 to your friend JohnYour jewelry to your daughterYour car to your sonThese are specific gifts. After giving these items and paying any debts and taxes, whatever remains - typically your house, savings, and investments - is your residuary estate.Your will should always include a residuary clause stating what happens to this remainder. Most people leave their residuary estate to their spouse, or divided among their children, or split between family members and charities.Without a residuary clause, any assets you haven't specifically gifted will be distributed according to intestacy rules, not your wishes. This is why every will should state clearly what happens to 'the rest, residue, and remainder' of your estate.

Question 8

What counts as an asset in my estate?

Accepted Answer

Your estate includes everything you own at the time of your death. This typically includes:Property:Your home (or your share if jointly owned)Buy-to-let propertiesHoliday homesLandMoney:Bank and savings accountsISAsPremium bondsCashInvestments:Shares and stocksBondsInvestment fundsCryptocurrencyPensions:Some pensions can pass outside your estate (check with your provider)Others form part of your estatePersonal possessions:JewelryVehiclesArt and antiquesFurnitureCollectionsBusiness interests:Company sharesBusiness partnershipsDigital assets:Online accounts with valueDomain namesDigital mediaHowever, jointly-owned property held as 'joint tenants' passes automatically to the surviving owner and doesn't form part of your estate. Life insurance policies written in trust also typically pass outside your estate.

Question 9

Do I need a will if I'm married?

Accepted Answer

Yes, absolutely. Even if you're married or in a civil partnership, you need a will.Many people mistakenly believe their spouse automatically inherits everything. In reality, if you die without a will in England and Wales:If you have children: Your spouse gets personal possessions, the first £322,000, and half of everything above that amount. Your children get the other half.If you have no children but living parents: Your spouse gets personal possessions, £322,000, and half the remainder. Your parents get the other half.Only if you have no children and no living parents does your spouse inherit everything.Without a will, your spouse might not have enough to live comfortably, might be forced to sell the family home, or could face financial hardship while sorting out your estate. A will ensures your spouse is properly protected and that all your assets go exactly where you intend.Both partners should make wills, even if you want to leave everything to each other - you need to specify what happens if you die together, or after both of you have passed away.

Question 10

Can I write my own will?

Accepted Answer

Legally, yes - you can write your own will. However, it's risky and not recommended unless your situation is extremely simple.DIY wills frequently have problems:Not properly witnessed - beneficiaries witnessing by mistakeVague language - causing family disputes about what you meantMissing essential clauses - like the residuary clauseInvalid conditions - that courts strike outIncorrect legal language - making parts unenforceableA DIY will might save you £70-80 initially, but mistakes can cost your family thousands in legal fees sorting it out later, not to mention months or years of delays and stress.Modern online will services like WillsConnect (£89) provide:Step-by-step guidanceProper legal wordingExpert review by qualified specialistsAll essential clauses includedProtection against common mistakesFor the cost of a meal out, you get a professionally-drafted will that you can trust. It's simply not worth the risk of doing it yourself.

Question 11

How much does a will cost?

Accepted Answer

Will costs in the UK vary significantly depending on how you create it:Online will services (like WillsConnect): £89-150Best for: Most people with straightforward to moderately complex estatesHigh street solicitor: £150-500 for simple wills, £500-2,000+ for complex estatesBest for: Very complex estates, business owners, multiple properties abroadSpecialist will writers: £100-300Best for: Home visits if needed, but check qualifications carefullyDIY will kits: £10-30Not recommended: High risk of mistakes that cost thousands to fix laterWith WillsConnect, you get:Expert review by qualified wills specialist (worth £150+ elsewhere)Unlimited drafts before finalizing30 days of free updatesSecure digital storageBoth standard and Islamic willsAll for just £89The cost of NOT having a will is much higher - intestacy can add months of delays and thousands in extra legal fees. Making a will is one of the best investments you can make for your family.

Question 12

How long does it take to make a will?

Accepted Answer

The time needed depends on how you create your will:Online will services (like WillsConnect): 20-30 minutesComplete online questionnaire, expert reviews it, download your will. Can be done from home any time.High street solicitor: 2-4 weeks typicallyInitial appointment to discuss wishes, they draft the will, you review and return to sign. Requires multiple appointments.Specialist will writer: 1-2 weeks typicallyHome visit to discuss, they draft the will, return visit to sign.With WillsConnect, the process is remarkably fast:Answer clear questions about your wishes (15-20 minutes)Expert review (usually within 24 hours)Make any changes if neededDownload your willPrint, sign with two witnesses (10 minutes)You can save your progress and return to it, so you don't have to complete it all in one sitting. The key is starting - most people find it quicker and easier than they expected.Don't let time concerns stop you. With modern online services, you can have a legally valid will completed in less time than it takes to watch a TV show.

Question 13

Can I change my will after I've made it?

Accepted Answer

Yes, you can change your will at any time, and you should update it whenever your circumstances change significantly.There are two ways to change your will:1. Codicil (for small changes)A codicil is a legal document that makes minor amendments to your existing will without replacing it entirely. It must be signed and witnessed just like a will. Good for small changes like:Updating addressesChanging small gift amountsAdding a minor bequest2. New will (for major changes - recommended)For significant changes, it's better to make a completely new will that revokes all previous wills. This is clearer and less confusing than multiple codicils. Recommended for:Marriage or divorceBirth of childrenDeath of executors or beneficiariesMajor financial changesAny significant change to your wishesWhen to update:Marriage (your old will becomes invalid automatically)DivorceBirth or adoption of childrenDeath of named peopleSignificant financial changesEvery 3-5 years as a regular reviewWith WillsConnect, updates are easy - log in to your account, make changes, get expert review, and download your updated will.

Question 14

Do both witnesses need to be present at the same time?

Accepted Answer

Yes, both witnesses must be present at the same time when you sign your will. This is a legal requirement for a valid will in England and Wales.The correct process is:You sign the will in the presence of both witnesses (or acknowledge your existing signature to them)Both witnesses then sign the will while you and each other are presentAll three people (you and both witnesses) must be in the same room at the same time during the signingImportant rules about witnesses:Both must be 18 or overBoth must actually see you sign (or hear you acknowledge your signature)Witnesses cannot be beneficiaries in your willWitnesses cannot be married to or in civil partnership with beneficiariesIf a beneficiary witnesses, they lose their inheritance (but the will remains valid)Choose witnesses carefully - good options are neighbors, work colleagues, or friends who are not beneficiaries in your will. You don't need a solicitor or anyone official - any two adults who aren't benefiting from your will can witness it.

Question 15

Can a beneficiary witness my will?

Accepted Answer

No, a beneficiary should never witness your will. If they do, they lose their inheritance - though the will itself remains valid.This rule also applies to:The spouse or civil partner of a beneficiaryAnyone married to a beneficiary (even if not yet married when the will is signed)Example: You leave your house to your daughter Sarah. Sarah witnesses your will. Result: Your will is valid, but Sarah cannot inherit the house. The house would go to whoever inherits your residuary estate, or under intestacy rules if there's no residuary clause.This is one of the most common will mistakes and it's completely avoidable.Who should witness:Neighbors who aren't in your willWork colleaguesFriends who aren't beneficiariesAnyone over 18 who has nothing to gain from your willYou don't need anyone official - just two independent adults who can confirm they saw you sign. Always check your witnesses aren't beneficiaries or married to beneficiaries before they sign.

Question 16

What's the difference between a will and a living will?

Accepted Answer

A will and a living will are completely different documents:Will (Last Will and Testament):Takes effect after you dieStates who inherits your estateNames executors and guardiansDistributes your property and possessionsCannot be used while you're aliveLiving Will (Advance Decision/Advance Directive):Takes effect while you're still aliveStates your wishes for medical treatment if you can't communicateUsually specifies treatments you don't want (e.g., life support in certain conditions)Has nothing to do with your property or estateBecomes invalid when you dieYou might also hear about:Lasting Power of Attorney (LPA):Allows someone to make decisions for you if you lose mental capacityCovers health/welfare decisions or property/financial decisionsMust be registered with the Office of the Public GuardianDifferent from both a will and a living willMost people need a regular will. Some people also choose to make a living will or LPA, but these are separate documents with different purposes.

Question 17

Does getting married invalidate my will?

Accepted Answer

Yes, getting married automatically revokes (cancels) any will you made before the marriage in England and Wales. Your old will becomes invalid the moment you marry, and if you die without making a new will, you'll die intestate.This rule exists to protect new spouses who might otherwise be cut out of an old will.What this means:Your pre-marriage will is no longer validYou need to make a new will after getting marriedIf you don't make a new will, intestacy rules applyAny gifts to your new spouse in your old will won't happen unless you make a new willException: You can make a will 'in contemplation of marriage' to a specific person. This will must state that it's made in contemplation of marriage to a named individual, and it will remain valid after you marry that person. However, this is risky - if you don't marry that specific person, or break up before marriage, the will might not be valid.Best practice: After getting married, make a new will with your spouse. Both of you should make wills together, deciding what happens to your estate and ensuring both families are protected.Note: Divorce doesn't invalidate your whole will, but it removes your ex-spouse as a beneficiary and executor.

Question 18

What is inheritance tax and will my estate have to pay it?

Accepted Answer

Inheritance Tax (IHT) is a tax on your estate when you die. Currently, estates pay 40% tax on anything above the tax-free threshold.Current thresholds (2026):Nil Rate Band: £325,000 (first £325,000 is tax-free)Residence Nil Rate Band: Additional £175,000 if you leave your home to direct descendants (children/grandchildren)Total potential: £500,000 per person tax-freeMarried couples: Can potentially combine allowances up to £1,000,000Does your estate pay inheritance tax?If your estate is worth less than £325,000 (or £500,000 if including your home left to children), probably not.If your estate is above these thresholds, you'll pay 40% tax on the amount over the threshold.Example:Estate worth £525,000 (including home left to children)Tax-free: £500,000Taxable: £25,000Tax due: £10,000 (40% of £25,000)Ways to reduce inheritance tax:Leave assets to spouse/civil partner (no IHT between spouses)Give to charity (charitable gifts are tax-free and can reduce the rate to 36%)Make lifetime gifts (gifts made 7+ years before death are tax-free)Use your annual exemption (£3,000 per year)Most people's estates don't pay inheritance tax. If yours might, consider discussing tax planning with a specialist.

Question 19

Can I leave my estate to whoever I want?

Accepted Answer

In England and Wales, you have almost complete freedom to leave your estate to whoever you choose - this is called 'testamentary freedom.' Unlike some countries, there are no forced heirship rules requiring you to leave set portions to certain family members.You can leave your estate to:Family membersFriendsCharitiesOrganizationsAnyone you chooseYou can also choose to leave nothing to close family members if you wish, though this is where it gets more complicated.Family provision claims:Certain people can challenge your will under the Inheritance (Provision for Family and Dependants) Act 1975 if they believe they haven't been adequately provided for:Spouse or civil partnerFormer spouse/civil partner (if not remarried)Children (including adult children)Anyone treated as a child of the familyAnyone living with you for 2+ years before deathAnyone financially dependent on youThey must prove the will doesn't make 'reasonable financial provision' for them. These claims are relatively rare, expensive, and uncertain - but they are possible.Best practice:Make your wishes clear in your willIf excluding close family, consider including an explanation in a letter of wishesEnsure spouse/dependents are adequately provided forSeek legal advice if excluding family members or anticipating challenges

Question 20

What is a mirror will?

Accepted Answer

Mirror wills are two separate wills made by a couple (married, civil partnership, or unmarried) that 'mirror' each other - meaning they have matching or very similar terms.Typical mirror will structure:Each partner leaves everything to the otherIf that partner has died, everything goes to their childrenSame executors named in both willsSame guardians for childrenExample:John's will: Everything to wife Mary, if Mary has died then split equally among their three childrenMary's will: Everything to husband John, if John has died then split equally among their three childrenAdvantages:Simple and clearBoth partners protectedCoordinated estate planningFair to all children from the relationshipImportant limitation:Mirror wills are not binding on the survivor. After one partner dies, the surviving partner can change their will to anything they like. This can be a problem in second marriages or blended families.If the first partner dies and leaves everything to their spouse, the spouse could then:Remarry and leave everything to new spouseChange will to exclude first partner's childrenDo anything they want with the inherited assetsWhen mirror wills work well:First marriage for both partnersAll children are from this relationshipHigh level of trustEstate not complexWhen to consider alternatives:Blended familiesSecond marriagesChildren from previous relationshipsSignificant wealth to protect

Question 21

How do I store my will safely?

Accepted Answer

Where you store your will is crucial - it must be kept safe but also accessible to your executors when needed.Good storage options:1. At homeIn a fireproof safe or lockboxTell your executors exactly where it isFree, but risk of loss, damage, or not being found2. With your solicitorMany solicitors offer free will storageProfessional securityThey'll have a record if you lose contact3. With a bankSome banks offer safe custody servicesMay charge annual feesVery secure but may be harder to access quickly4. Probate Service storageNational Probate Registry stores wills (small one-time fee)Very secure and permanentRegistered on the Certainty Service database5. With your online will providerServices like WillsConnect offer secure digital storageEasy to access and updateBackup copy always availableImportant tips:Tell your executors where your will is stored - this is criticalKeep a copy for reference (but mark it clearly as a copy)Never attach anything to your will with pins or staples (looks suspicious)Don't store with something you keep in a bank safe deposit box if executors can't access itRegister it with the National Will Register or Certainty Service so it can be foundThe original will is what matters legally - copies can be useful for reference but won't be accepted for probate unless the original genuinely can't be found.

Question 22

What is an Islamic will?

Accepted Answer

An Islamic will is a will that follows Islamic inheritance principles (Shariah) while also being legally valid under English law. It allows Muslims living in England and Wales to distribute their estate according to their faith.An Islamic will includes two main components:Fixed shares (Faraid): Predetermined portions that go to specific family members as prescribed in Islamic lawOptional bequests (Wasiyyah): Up to one-third of your estate that you can leave to anyone you chooseIslamic inheritance rules don't automatically apply in England and Wales - you must create a will that specifically implements these principles. Without an Islamic will, your estate would be distributed according to English intestacy rules, which are very different from Islamic requirements.

Question 23

Do Islamic inheritance rules automatically apply in the UK?

Accepted Answer

No, Islamic inheritance rules do not automatically apply in England and Wales. English law gives you complete freedom to leave your estate to anyone you choose, but it does not enforce Islamic principles unless you specifically choose to follow them in your will.Without a proper Islamic will, your estate would be distributed according to English intestacy law if you die without any will, or according to whatever you specify in a standard will.This is why Muslims living in the UK need to make an Islamic will - it's the only way to ensure your estate is distributed according to Islamic principles and English law requirements at the same time.

Question 24

What are fixed shares in Islamic inheritance?

Accepted Answer

Fixed shares (Faraid) are the predetermined portions of your estate that specific family members are entitled to receive under Islamic law. These shares are prescribed in the Quran and cannot be changed.The main heirs who receive fixed shares include:Spouses: Husbands typically receive 1/4 or 1/2 depending on whether there are children. Wives receive 1/8 or 1/4.Children: Sons and daughters inherit, with sons typically receiving twice the share of daughtersParents: Both mother and father receive specific sharesSiblings: May inherit if there are no closer relativesThese shares are calculated mathematically based on who survives you. The presence or absence of certain relatives affects what others receive. For example, if you have children, your spouse receives a smaller share than if you have no children.Approximately two-thirds (or more) of your estate must be distributed according to these fixed shares. The remaining one-third can be used for optional bequests.

Question 25

What is the one-third rule in Islamic wills?

Accepted Answer

The one-third rule (Wasiyyah) allows you to leave up to one-third of your estate to anyone you choose, separate from the fixed inheritance shares. This is the optional bequest portion of Islamic inheritance.The rule states:Up to 1/3 of your estate can be given freely to anyone (non-relatives, charities, causes)The remaining 2/3 (or more) must be distributed according to fixed sharesYou cannot use this one-third to give extra to fixed heirs without other heirs' consentCommon uses of the one-third:Charitable donations (Sadaqah Jariyah - ongoing charity)Gifts to friends or distant relativesNon-Muslim spouses (who don't inherit through fixed shares)Adopted children (who aren't automatic heirs)Supporting Islamic causes or institutionsYou don't have to use the full one-third - you can use less or none at all. Any amount you don't use goes to your fixed share heirs.This provision comes from hadith where the Prophet (peace be upon him) advised limiting optional bequests to one-third to protect the rights of heirs.

Question 26

Why do sons receive more than daughters in Islamic inheritance?

Accepted Answer

In Islamic inheritance, sons typically receive twice the share of daughters. This often raises questions, especially in modern contexts.The Islamic perspective considers several factors:Financial obligations: Men are responsible for providing for their wives and children financially (Nafaqah)Mahr (dowry): Men must pay Mahr to their wives upon marriageMaintenance duties: Women can keep their wealth for themselves; men must use theirs to support their familiesPart of a system: This is one element of broader Islamic financial obligationsIslamic scholars explain that when all Islamic financial rules are considered together - including men's duty to provide, women's right to keep their own wealth, and the Mahr requirement - the system aims for overall fairness within the community.In England and Wales, you're not required to follow this rule - you have testamentary freedom. However, many Muslims choose to follow traditional Islamic inheritance because they see it as part of their religious obligation. If you have concerns or your situation is unusual, consult an Islamic scholar for guidance on your specific circumstances.

Question 27

Can I exclude someone from my Islamic will?

Accepted Answer

Under Islamic law, you generally cannot exclude fixed share heirs (Faraid heirs) - they have a prescribed right to inherit.However, English law gives you complete freedom to distribute your estate as you choose. So legally you can exclude anyone, but this would go against Islamic principles if they're entitled to fixed shares.Islamic perspective:Fixed share heirs (spouse, children, parents) should receive their prescribed portionsYou shouldn't use your optional one-third bequest to exclude or disadvantage fixed heirsThe Prophet (peace be upon him) emphasized the importance of maintaining these sharesSpecial circumstances:Some Islamic scholars recognize that unusual situations may arise. If you feel you have a legitimate reason to deviate from standard distribution (for example, an estranged child who has never maintained family ties), you should:Consult an Islamic scholar for guidanceDocument your reasoningConsider family circumstances carefullyRemember that in England and Wales, excluded family members can challenge your will under the Inheritance Act 1975 if they can show they were financially dependent on you or not reasonably provided for.

Question 28

What is the role of an executor in an Islamic will?

Accepted Answer

In Islamic wills, the executor is called a Wasi. This is the person who will carry out your wishes after you die, including ensuring your estate is distributed according to Islamic principles.Your Wasi will need to:Arrange your funeral according to Islamic practicesPay off any debts (which must be paid before any inheritance)Calculate fixed inheritance shares correctlyDistribute your optional one-third bequestsHandle all legal and financial administrationApply for probate and manage the estate through English law requirementsChoosing your Wasi:Ideally, choose someone who:Understands Islamic inheritance principles or is willing to seek expert guidanceIs trustworthy and organizedCan handle the administrative workLives in the UK (makes things easier)Many Muslims choose:A family member who understands Islamic principlesA family member plus an Islamic scholar or expertA family member plus a professional executorThis ensures both proper Islamic distribution and competent legal administration.

Question 29

Do I need a separate will for Islamic inheritance?

Accepted Answer

No, you don't need two separate wills. Your Islamic will is your only will - it's simply structured to follow Islamic principles while meeting English legal requirements.An Islamic will is still a standard legal will for England and Wales, but it:Distributes your estate according to fixed shares (Faraid)Includes optional bequests (Wasiyyah) up to one-thirdIs written, signed, and witnessed like any English willGoes through the same probate processIs legally binding and enforceableHaving multiple wills can create confusion and legal complications, so it's much better to have one comprehensive Islamic will that covers all your wishes and meets all legal requirements.If you have property abroad, you may need a separate will for those assets as they may be subject to that country's inheritance laws - but for all your UK assets, one Islamic will is sufficient.

Question 30

Can non-Muslims inherit from my Islamic will?

Accepted Answer

Under classical Islamic inheritance law, non-Muslims do not automatically receive fixed shares (Faraid). However, you can provide for non-Muslim family members or friends through your optional one-third bequest (Wasiyyah).Common situations:Non-Muslim spouse:Cannot inherit through fixed shares in traditional Islamic lawCan receive up to one-third of your estate through WasiyyahSome scholars permit providing more for a non-Muslim spouse given modern contextsConsult an Islamic scholar for guidance on your specific situationNon-Muslim children or other relatives:Similarly, can be provided for through WasiyyahYou can leave them up to one-third of your estateEnglish law consideration:English law allows non-Muslim spouses and children to challenge a will if they haven't been adequately provided for. If you're excluding or limiting gifts to non-Muslim family members for religious reasons, document your reasoning and consider seeking both Islamic and legal advice.The balance between religious principles and family provision can be complex, especially in mixed-faith families. Many Muslims in this situation consult Islamic scholars to find solutions that honor both their faith and their family obligations.

Question 31

What happens to my debts in Islamic inheritance?

Accepted Answer

In both Islamic law and English law, all debts must be paid before any inheritance is distributed. This is a fundamental principle.The order of payment from your estate is:Funeral expenses - paid firstAll debts - including loans, credit cards, mortgages, taxesOptional bequests (Wasiyyah) - up to one-third of what remainsFixed shares (Faraid) - distributed among heirsThis means if your estate is worth £300,000 but you owe £50,000 in debts, only £250,000 is available for distribution. Your one-third bequest would be calculated from £250,000 (so up to about £83,000), and the remaining amount goes to fixed share heirs.Important Islamic principle:Dying with unpaid debts is considered serious in Islam. The Prophet (peace be upon him) emphasized the importance of clearing debts. This is why it's important to:Be aware of all your debtsConsider life insurance to cover debtsKeep good records of what you oweMake arrangements to ensure debts can be paidYour executor (Wasi) is responsible for identifying and paying all debts before distributing any inheritance to beneficiaries.

Question 32

Can I make an Islamic will online?

Accepted Answer

Yes, you can make a valid Islamic will online using services like WillsConnect that are specifically designed to handle Islamic inheritance principles.An online Islamic will service should:Guide you through Islamic inheritance principles (fixed shares and optional bequests)Help calculate Faraid shares for your specific family situationEnsure all English legal requirements are metProvide expert review before you finalizeCreate a legally valid document for England and WalesWillsConnect Islamic will service includes:Shariah-compliant will structureClear explanation of Islamic principles in simple EnglishGuidance on fixed shares (Faraid) and optional bequests (Wasiyyah)Help choosing appropriate executors (Wasi)Expert review by wills specialistLegally valid for England and WalesJust £89 with 30-day update periodOnline Islamic wills are suitable for most situations. However, if you have very complex circumstances - multiple properties abroad, complicated family structures, significant wealth - you might want to consult a specialist solicitor who understands both Islamic law and English law.The key is that whether online or with a solicitor, your Islamic will must be written, signed, and witnessed properly to be legally valid.

Question 33

How are adopted children treated in Islamic wills?

Accepted Answer

Adoption as understood in English law - where adopted children become legal children of their adoptive parents - doesn't exist in classical Islamic law. However, Islam strongly encourages caring for and raising orphaned or needy children (Kafala).Islamic inheritance position:Adopted children do not automatically inherit as biological children under fixed shares (Faraid)Their biological family relationships remain their inheritance pathwayHowever, you can and should provide for adopted children through your optional one-third bequest (Wasiyyah)English law position:Legally adopted children have the same inheritance rights as biological childrenThey could challenge your will if inadequately provided forPractical solutions:Many Muslims who have raised adopted children:Leave them a substantial portion (up to one-third) through WasiyyahEnsure they're well provided for even though not fixed share heirsConsider lifetime gifts to support themMake arrangements that honor both Islamic principles and their parental loveIf you're raising adopted or foster children, it's especially important to make a will that explicitly provides for them, as they won't automatically inherit under classical Islamic rules. Consult an Islamic scholar if you need guidance on balancing religious principles with your responsibility to children you've raised.

Question 34

What if my spouse remarries after I die?

Accepted Answer

This is a common concern, especially in blended families. If you leave everything to your spouse and they remarry, there's a risk that your biological children could be excluded from what you intended for them.Islamic will solutions:1. Direct distribution (recommended):Give your spouse their fixed share (1/4 or 1/8 depending on whether you have children)Give your children their fixed shares directlyUse optional bequest for any additional wishesThis ensures your children receive their inheritance immediately2. Life interest (more complex):Your spouse can live in the family home for their lifetimeOwnership passes to your children when your spouse dies or remarriesProvides security for spouse while protecting children's inheritanceRequires trust arrangementWhy this matters in Islamic context:Islamic fixed shares ensure children receive their prescribed portions. By implementing these shares directly in your will rather than leaving everything to your spouse first, you protect your children's Islamic inheritance rights regardless of what happens after your death.If you're in a second marriage or have children from previous relationships, an Islamic will with proper Faraid distribution provides better protection for all children than simply leaving everything to your spouse.

Question 35

Do Islamic wills have to be expensive?

Accepted Answer

No, Islamic wills don't have to be expensive. While specialist solicitors might charge £300-800 or more, modern online services make Islamic wills affordable.Typical costs:Online services (like WillsConnect): £89High street solicitor: £300-800+Specialist Islamic will solicitor: £400-1,000+Community services: Sometimes free or donation-based (but may lack proper legal review)What you should get for your money:Proper Islamic inheritance structure (Faraid and Wasiyyah)Legally valid document for England and WalesExpert review to ensure it's correctClear guidance on Islamic principlesHelp calculating shares for your familyWith WillsConnect at £89, you get:Shariah-compliant will structureExpert review by qualified specialistClear English explanations of Islamic conceptsAll legal requirements met30 days of free updatesSecure storageMaking an Islamic will is a religious obligation for Muslims. The cost shouldn't prevent you from fulfilling this duty. Whether you pay £89 or £800, what matters is that you have a proper Islamic will that protects your family and honors your faith.The cost of NOT having a will - through intestacy, family disputes, and legal complications - is far higher than any will-writing fee.

Question 36

How quickly can I make an Islamic will?

Accepted Answer

The time needed depends on how you create your Islamic will:Online service (like WillsConnect): 20-30 minutesAnswer questions about your family and wishesSystem calculates Islamic sharesExpert reviews it (usually within 24 hours)Download, print, and sign with witnessesSolicitor: 2-4 weeks typicallyInitial appointment to discuss Islamic requirementsSolicitor drafts the willYou review and approveSigning appointmentCommunity service: Varies widelyDepends on availability of volunteers or Islamic scholarsMay only be available at certain timesQuality and legal review variesThe Islamic imperative:The Prophet Muhammad (peace be upon him) said: 'It is not permissible for any Muslim who has something to will to stay for two nights without having a written will with him.' (Bukhari and Muslim)This hadith emphasizes urgency - we don't know when our time will come. With modern online services, you can fulfill this Islamic duty in less time than it takes to watch a TV show.Don't delay this important obligation. Start your Islamic will today - it takes just 30 minutes with WillsConnect.

Question 37

Can Muslim women make their own wills?

Accepted Answer

Yes, absolutely. Muslim women have the full right to make their own wills and control their own assets in Islam.Islamic law is clear that women:Have complete ownership of their own wealthCan make their own will decisionsAre not required to ask permission from husband or male relativesHave the same right as men to use the optional one-third bequestControl what happens to their estateA Muslim woman's will works exactly the same way as a Muslim man's will:Fixed shares (Faraid) must be distributed to entitled heirsUp to one-third can be used for optional bequests (Wasiyyah)She chooses her own executor (Wasi)She makes decisions about guardians if she has childrenIn England and Wales, women have exactly the same legal rights as men to make wills. This aligns with Islamic principles that women have complete control over their own property and inheritance.Every Muslim woman who has assets should make her own will - it's a religious duty and a practical necessity to protect your family.

Question 38

How much does WillsConnect cost?

Accepted Answer

WillsConnect costs £89 per will with no hidden fees.This includes:Complete online will creation (standard or Islamic)Expert review by qualified wills specialistUnlimited drafts before you finalize30 days of free updates after completionSecure digital storageDownload as many copies as you needYou only pay when you're ready to finalize your will - you can start for free and save your progress.Comparison:High street solicitor: £150-500+Specialist will writer: £100-300DIY will kit: £10-30 (but high risk of errors)For couples, each person needs their own will, so that would be £178 total for both of you. Many couples find it helpful to complete their wills together to ensure they work well with each other.

Question 39

Are WillsConnect wills legally valid?

Accepted Answer

Yes, WillsConnect wills are completely legally valid in England and Wales when properly signed and witnessed.Every will created through WillsConnect:Meets all legal requirements for England and WalesUses proper legal language and structureIs reviewed by a qualified wills specialist before you download itIncludes all necessary clauses (residuary clause, revocation of previous wills, etc.)Will be accepted by the Probate RegistryTo ensure your will is valid, you must:Print the final willSign it in front of two independent witnesses (both present together)Have both witnesses sign while you and each other are presentEnsure witnesses are not beneficiariesOnce properly signed and witnessed, your WillsConnect will has exactly the same legal standing as a will drafted by a solicitor. It will be accepted for probate and can be enforced like any other valid will.We've helped thousands of people create legally valid wills that have successfully gone through probate.

Question 40

Do I pay anything to start creating my will?

Accepted Answer

No, you can start creating your will completely free with WillsConnect. There's no upfront payment required.Here's how it works:Start for free - answer all the questions about your wishesSave your progress - come back anytime to continueReview your draft - see exactly what your will will sayPay only when ready - £89 when you're ready to get expert review and downloadThis means you can:Try the service with no commitmentSee exactly what you're getting before you payTake your time thinking about your decisionsDiscuss with family if neededCome back weeks or months later if you wantYou're only charged £89 when you decide you're happy with your will and want to finalize it for expert review and download.

Question 41

How does WillsConnect work?

Accepted Answer

WillsConnect makes creating your will simple with a step-by-step online process:Step 1: Start your will (5-10 minutes)Choose between standard or Islamic willTell us about your family situationName your executors and guardiansStep 2: Decide your wishes (10-15 minutes)Choose who inherits whatMake any specific giftsAdd charitable donations if you wantStep 3: Review (5 minutes)See a preview of your willMake any changes you needEverything explained in plain EnglishStep 4: Expert review (we do this)Qualified wills specialist reviews your willUsually completed within 24 hoursAny issues flagged for you to correctStep 5: Download and signDownload your final willPrint it outSign with two witnessesStore it safelyTotal time: About 20-30 minutes of your time, plus our expert review. You can save progress anytime and come back to it later.

Question 42

Is my information secure with WillsConnect?

Accepted Answer

Yes, we take your security and privacy extremely seriously.Data security:Encryption: All your data is encrypted both in transit and at restSecure servers: Hosted on secure UK-based serversAccess controls: Strict access controls - only you and our expert reviewers see your willRegular security audits: Our systems are regularly tested and updatedNo data sharing: We never sell or share your personal informationPrivacy:Your will information is completely privateWe don't share your data with third partiesYou control who can access your informationYou can delete your account anytimeCompliance:Full GDPR complianceData Protection Act 2018 compliantClear privacy policyTransparent data handlingWe understand how sensitive will information is. Your trust is essential to us, which is why we've built security and privacy into every aspect of our service.

Question 43

Can I update my will after I've made it?

Accepted Answer

Yes, you can update your will with WillsConnect anytime you need to.First 30 days: Free unlimited updatesMake any changes you wantNo additional chargeDownload updated version anytimeExpert review included on each updateAfter 30 days: Easy affordable updatesLog back into your WillsConnect accountMake your changesSmall update fee appliesExpert review includedDownload new versionWhen to update your will:Marriage or divorceBirth of childrenDeath of executor, guardian, or beneficiaryMoving houseSignificant financial changesEvery 3-5 years as a regular reviewImportant: When you update your will, you need to sign the new version properly with two witnesses. The new will supersedes the old one, so you should destroy old versions to avoid confusion.We make updates easy because we know life changes and your will should keep pace with your circumstances.

Question 44

What's included in the expert review?

Accepted Answer

Every will created through WillsConnect is reviewed by a qualified wills specialist before you can download it. This expert review is included in your £89 fee.Our expert reviewers check:Legal validity: Meets all requirements for England and WalesCompleteness: All essential clauses included (residuary clause, revocation, etc.)Clarity: No ambiguous or unclear languageCommon mistakes: Catches errors like beneficiaries as witnessesInternal consistency: All parts of the will work together properlyIslamic compliance: For Islamic wills, correct Faraid calculations and Wasiyyah structureWhat happens during review:You submit your completed willOur expert reviews it (usually within 24 hours)If any issues are found, you're notified with clear guidance on what to fixMake the corrections and resubmitOnce approved, download your final willWorth £150+ elsewhere:Solicitors typically charge £150-200 just to review a will you've already written. With WillsConnect, expert review is included in your £89 price.This expert review is your assurance that your will is properly drafted and legally sound.

Question 45

How long does it take to get my will?

Accepted Answer

You can have your completed will ready to sign in as little as 24-48 hours with WillsConnect.Timeline breakdown:Your part: 20-30 minutesAnswer questions about your wishesReview your draftSubmit for expert reviewExpert review: Usually 24 hoursQualified specialist reviews your willMost wills approved within one business dayIf changes needed, you'll get clear guidanceDownload immediatelyOnce approved, download instantlyPrint as many copies as you needSign with two witnessesYour will is completeFlexibility:Can't complete it all at once? Save and return anytimeTake weeks if you need to think about decisionsNo time pressure - you're in controlCompare to traditional methods:Solicitor: 2-4 weeks with multiple appointmentsWill writer: 1-2 weeks with home visitsWillsConnect: Complete in 1-2 daysMost people are surprised how quick and painless the process is.

Question 46

Do you offer Islamic wills?

Accepted Answer

Yes, WillsConnect specializes in Islamic wills and is one of the few UK services designed specifically for Muslims who want Shariah-compliant wills.Our Islamic will service includes:Shariah-compliant structure: Proper Faraid (fixed shares) and Wasiyyah (optional one-third) implementationClear guidance: Islamic concepts explained in simple EnglishCalculation help: System helps calculate correct Islamic inheritance shares for your familyEnglish law compliance: Fully legal and valid in England and WalesExpert review: Reviewed by specialists who understand both Islamic and English lawSame price: £89 - same as our standard willsWhat makes our Islamic wills special:Built by experts in both Islamic law and UK lawNo Arabic jargon - everything explained clearlyCovers both Sunni inheritance principles and UK legal requirementsExecutors (Wasi) who understand Islamic obligationsProperly structured for probateWhether you want a standard or Islamic will, the process and price are the same. You just choose which type at the start.

Question 47

Can I make a will for someone else?

Accepted Answer

No, each person must make their own will themselves. You cannot make a will on behalf of another person.Why this rule exists:For a will to be valid, the person making it (the testator) must:Have mental capacity to understand what they're doingAct voluntarily without pressure or undue influenceMake their own decisions about their estateSign the will themselves (or direct someone to sign in their presence)If someone else makes the will for you, it could be challenged as not reflecting your true wishes.How you can help:Sit with them: You can sit beside someone while they create their will, offering supportExplain things: You can help them understand the questionsType for them: If they have difficulty typing, you can type their answers while they tell you what to sayTechnical help: You can help with the computer/technologyBut ultimately, all decisions must be theirs, and they must understand what they're doing.What if someone lacks capacity?If someone doesn't have mental capacity to make a will, they cannot make one through our service. In such cases, the Court of Protection can sometimes authorize a 'statutory will' on their behalf through a formal legal process.

Question 48

What if I make a mistake in my will?

Accepted Answer

Don't worry - we're here to help prevent mistakes, and if something does go wrong, it's fixable.Before you finalize:You can change anything unlimited timesReview your draft carefully before submittingOur system warns you about common mistakesExpert review catches errors before finalizationDuring expert review:If our specialist spots any issues, they'll:Clearly explain what needs fixingProvide guidance on how to correct itGive you a chance to make changesRe-review after you've corrected itAfter downloading (first 30 days):Free unlimited updatesLog in and make correctionsDownload updated versionNo additional chargeAfter 30 days:Still easy to updateSmall update fee appliesMake your correctionsDownload new versionAfter signing:If you've already signed your will and spot a mistake:Don't write on or amend the signed will (this can invalidate it)Log into WillsConnect and create a corrected versionDownload and sign the new version properlyDestroy the old versionOur expert review process is specifically designed to catch mistakes before they become problems.

Question 49

Can I get help if I have questions?

Accepted Answer

Yes, we're here to help. WillsConnect provides support through multiple channels.Help resources:In-app guidance: Clear explanations at every stepFAQ library: Comprehensive answers to common questionsGuide articles: Detailed articles about wills, Islamic wills, and estate planningTooltips and hints: Helpful information exactly when you need itContact support:Email support: Get answers within one business dayLive chat: Quick answers during business hoursPhone support: Speak to someone for complex questionsWhat we can help with:Technical questions about using the platformGeneral will questionsIslamic will concepts and principlesUnderstanding your optionsTroubleshooting issuesWhat we can't do:Provide legal advice (we're a will-writing service, not lawyers)Tell you exactly what you should do (your will reflects your wishes)Provide financial or tax planning adviceFor complex legal, tax, or financial questions, we may suggest you consult appropriate specialists. But for everything to do with creating your will through our service, we're here to help.

Question 50

Do I need a solicitor to review my WillsConnect will?

Accepted Answer

No, you don't need a solicitor to review your WillsConnect will. Expert review by a qualified wills specialist is already included in your £89 fee.What's included:Review by qualified wills specialistCheck for legal validityVerification of all essential clausesSpotting common mistakesEnsuring clarity and proper structureThis expert review provides the quality assurance you need without the cost of a solicitor (who would typically charge £150-200 just for a will review).When you might want additional solicitor review:Very complex estate (multiple businesses, properties abroad)Complicated tax planning needsAnticipating will challenges from familyUnusual legal circumstancesIf you simply want the additional reassuranceFor most people with straightforward to moderately complex estates, our included expert review is completely sufficient. Our wills are:Fully legally validAccepted by the Probate RegistryUsed successfully by thousands of customersDrafted with the same level of care as solicitor willsIf you do choose to have a solicitor review it additionally, you're welcome to - but it's not necessary for the will to be valid and enforceable.

Question 51

What happens to my will after I download it?

Accepted Answer

After you download your will from WillsConnect, you need to complete a few important steps to make it legally valid.Step 1: Print your willPrint on good quality paperPrint all pagesDon't bind or staple pages together (can look suspicious)Step 2: Sign with witnessesThis is crucial for validity:Gather two witnesses (both 18+, not beneficiaries, present together)You sign the will while both witnesses watchBoth witnesses then sign while you and each other are presentEveryone must be in the same room at the same timeStep 3: Store safelyKeep original in safe place (fireproof safe, with solicitor, etc.)Tell your executors where it's storedConsider registering with National Will RegisterStep 4: CopiesYou can download and print multiple copiesGive copies to executors if you want (mark them clearly as copies)Original is what matters legallyWe also provide:Secure digital storage of your will in your WillsConnect accountAbility to download again anytimeAccess if you need to update laterYour WillsConnect account remains active, so you always have access to your will documents.

Question 52

Is WillsConnect suitable for complex estates?

Accepted Answer

WillsConnect is suitable for most estates, including many that are moderately complex. However, some situations may require specialist solicitor advice.WillsConnect works well for:Standard family situationsOne or two properties in the UKStraightforward investments and savingsBlended families (second marriages, stepchildren)Both standard and Islamic inheritance wishesExecutors, guardians, and beneficiariesSpecific gifts and charitable donationsEstates up to several million poundsWhen you might need a specialist solicitor:Multiple properties abroad: Different countries' inheritance laws may applyBusiness ownership: Complex succession planning for businessesComplex trusts: Discretionary trusts, disabled person's trustsSignificant tax planning: Estates well over inheritance tax threshold requiring sophisticated planningAnticipated challenges: Expecting contentious probate or will disputesNot sure if you're too complex?Start your will with us - it's free to beginSee if our service covers your needsOur expert reviewers will flag if your situation requires additional specialist adviceNo risk in tryingFor the vast majority of people, including those with moderate complexity, WillsConnect provides everything you need at a fraction of solicitor costs.

Question 53

Can couples make wills together on WillsConnect?

Accepted Answer

Each person needs their own separate will, but couples can coordinate their wills on WillsConnect.Why separate wills:Legally, each person must make their own willEach will is signed independentlyYou each need your own accountCost: £89 per person (£178 total for couple)How couples can coordinate:Create your wills at the same timeDiscuss your wishes togetherEnsure your wills work well togetherMake mirror wills if appropriate (matching terms)Name each other as executors and primary beneficiariesCouple discount:While each person pays £89 for their will, you're getting two professionally-drafted, expert-reviewed wills for £178 total - which is less than many solicitors charge for one will.Recommended approach for couples:Discuss together what you both wantEach create your own will with your own accountReview each other's drafts before finalizingEnsure they coordinate (e.g., what happens if you die together)Both get expert reviewDownload and sign separatelyThis ensures both partners are protected and your wills work together to protect your family.

Question 54

What if I have property in another country?

Accepted Answer

Property and assets abroad can complicate your will because they may be subject to that country's inheritance laws.The issue:Each country has its own inheritance lawsSome countries have 'forced heirship' rulesSome don't recognize English willsProbate may be needed in multiple countriesYour options:1. Include foreign property in your UK willWillsConnect allows you to include overseas assetsYour executors will need to handle probate abroadMay be complex depending on the countryWorks for some countries (especially Commonwealth)2. Separate will for foreign propertyMake one will for UK assets (with WillsConnect)Make separate will in the country where property is locatedEnsure wills don't conflict or accidentally revoke each otherRequires local legal advice in that countryCommon scenarios:Holiday home in Spain/France/Portugal: Usually need separate will prepared by local lawyerProperty in Commonwealth countries: Often can be included in UK willBank accounts abroad: Usually fine to include in UK willWillsConnect recommendation:For simple overseas assets: Include in your WillsConnect willFor significant property abroad: Seek local legal advice in that countryAlways verify how that country treats foreign willsIf unsure, start with WillsConnect for your UK assets, then consult a specialist about foreign property.

Question 55

How many times can I update my will?

Accepted Answer

With WillsConnect, you can update your will as many times as you need throughout your lifetime.First 30 days after completion:Unlimited free updatesNo additional chargeExpert review on each updatePerfect for catching any second thoughts or changesAfter 30 days:Can update anytimeSmall update fee each timeExpert review includedNo limit on number of updatesBest practice for updates:Review your will every 3-5 yearsUpdate after major life changes (marriage, birth, divorce, death of named people)Update after significant financial changesUpdate if you move house or executors moveHow updates work:Log into your WillsConnect accountAccess your existing willMake the changes you needSubmit for expert reviewDownload updated versionSign new will with witnessesDestroy old signed versionLife changes, and your will should change with it. We make updates easy so your will always reflects your current wishes and circumstances.

Question 56

What if I lose my will?

Accepted Answer

Don't worry - if you created your will with WillsConnect, you can easily get a replacement.Accessing your will:Log into your WillsConnect accountGo to your will documentsDownload your will again (as many times as you need)Print a fresh copyWe securely store your will documents in your account indefinitely, so you always have access.If you've lost your signed original:Download and print a new copy from your accountSign it again with two witnessesThis becomes your new valid originalImportant notes:The signed original is what's needed for probateKeep the original somewhere safe (fireproof safe, with solicitor, etc.)Tell your executors where it's storedYou can print multiple copies for reference (mark them as copies)Best practice for preventing loss:Keep original in safe, known locationGive copies (marked as copies) to your executorsKeep digital copy in your WillsConnect accountRegister with National Will RegisterCreate a document location list for your executorsWith WillsConnect, you'll never permanently lose your will - we've got your back.

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