What to do when planning for later life
What to do when someone dies
Scroll down to find out more about our tools

Nags [ It’s easy ]

    • Asset 4Remind yourself of the important things
    • Asset 4Receive email notifications
    • Asset 4Create and edit as many as you want

Set yourself reminders about all the important things.

This could be to remind you to review your will, send a letter or that all-important anniversary! Create new nags whenever you see the bell icon, or make a list

Some of us live busy lives and a gentle nag here and then can go a long way.

Create and edit your Nags as many times as you like, free of charge.

Full Estate Administration

Full Estate Administration [ Hand it all over ]

    • Asset 4Hand everything over to a specialist
    • Asset 4No jargon
    • Asset 4Fixed fees
Simply hand everything over to a specialist. You will be assigned a Bereavement Adviser, who will deal with the entire matter for you and will be on hand throughout. They will cover everything needed in order to finalise the Estate Administration and to ensure your legal responsibilities are adhered to.
It can be an intimidating prospect for an Executor or Administrator, whether you have had previous experience of dealing with an estate or if it’s your first time. We are on hand to support you or your loved ones.
Request a callback to find out more
Full Estate Administration Scotland

Full Estate Administration Scotland [ Hand it all over ]

    • Asset 4Hand everything over to a specialist
    • Asset 4No jargon
    • Asset 4Fixed fees
Simply hand everything over to a specialist. You will be assigned a Bereavement Adviser, who will deal with the entire matter for you and will be on hand throughout. They will cover everything needed in order to finalise the Estate Administration and to ensure your legal responsibilities are adhered to.
It can be an intimidating prospect for an Executor or Administrator, whether you have had previous experience of dealing with an estate or if it’s your first time. We are on hand to support you or your loved ones.
Request a callback to find out more
Equity Release

Equity Release [ Access your equity ]

    • Asset 4Unlock tax – free cash
    • Asset 4Speak to a professional
    • Asset 4Free consultation

If you’re a homeowner over the age of 55 years, you could unlock tax-free cash tied-up in your property. Equity Release is becoming increasingly popular as more and more people, who want to take advantage of the increased value of their homes.The released funds can be used however you wish; whether it be for holidays, your retirement, home improvements; the list is endless.

Equity Release allows you to release some of the money you have in your property, in a lump sum, multiple lump sums or a steady income stream, and in some cases a mixture of all these. The money you receive will be repaid at a later stage, usually when you die and generally from the sale of your home, allowing you to continue living there in the meantime.

If you are thinking of applying for Equity Release, you should speak to a professional adviser who can go through the options best suited to your circumstances, guide you through the process and find the best deals for you.If you already have an Equity Release Plan in place, you may able to borrow more or reduce your current interest rate.
Talk to someone free of charge
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Find a Conveyancer [ List your property ]

    • Asset 4Meet your legal onligations
    • Asset 4Speak to a professional
    • Asset 4Free consultation
Conveyancing is a necessary process in both buying or selling property. A professional conveyancer or conveyancing solicitor can help with the settlement and title transfer process by ensuring that you are   meeting all legal obligations   and that your rights are protected during this transaction. Both buyers and sellers will need to use the services of a conveyancing professional because both sides will have certain obligations that they must fulfill in a Contract of Sale.
Complete a simple form and an adviser will be in touch
Talk to someone free of charge
Write your Will

Will Writing [ Protect what’s important ]

    • Asset 4Online, over the phone or face to face
    • Asset 4Storage & legal checking included with every will
    • Asset 4Choose what will happen to your estate

A legal document which allows you to express your wishes as to how your money, property and possessions should be distributed when you die. Choose a single Will if you’re single, widowed or not living with a partner. Choose a mirror Will if you’re married, in a civil partnership or living together (co-habiting).

  • A Will puts you in control. You choose who will benefit from your estate (your property, money, business interests and possessions) and how much they should receive.
  • You may wish to prevent certain people from inheriting and this can only be achieved by writing a Will.
  • Dying without a valid Will means that your possessions will be distributed according to the laws of intestacy, which are out of date and do not consider the modern family set up.
  • It’s far quicker and cheaper to deal with an estate where there is a Will than without one. Where there is no Will and as such no executors, then your next of kin will become responsible for your estate; these could well be people you would not have wanted.
  • You may wish to leave gifts to friends, charities or other family members who might not otherwise be entitled under the rules of intestacy; you can only do this by making a Will.
  • By writing a Will, you can choose how your children should be cared for and by who. Without this it could mean that your children are cared for by Social Services whilst the court decides who should look after them long term
  • You can also choose your most trusted people to act as your executors. They will carry out your wishes and make sure your estate is given out as you intended.

By planning ahead and writing your Will you have the peace of mind knowing that, when the time comes, you will have done all you can to make life as easy as possible for those you have left behind.

  • Quick and easy
  • Jargon free
  • Written by experts with years of experience with this type of thing.
  • Set out so you can fill in the questions at a pace to suit you.
  • Instantaneous. Your Wills(s) are produced immediately and added to your important documents, ensuring your trusted people can access the latest version.
  • Convenient. You can print and sign your Will when you want.
  • Value for money

There are no hidden costs when you make your My Will. Not only do you get expert help, you also get all of this;

  • Unlimited access to your Will and the ability to produce as many copies as required.
  • Help and advice on how to sign your Will correctly.
  • Help at the end of the phone whenever it is needed.

Online single Will £90.00 (including VAT), Online Mirror Will £180.00 (including VAT)
For telephone and face to face appointments, please contact us.

Terms and Conditions
Our Terms and Conditions are located here

Write a Living Will (Advanced Directive)

Living Will [ Don’t become voiceless ]

    • Asset 4Make your future medical treatment wishes known
    • Asset 4Specify particular circumstances
    • Asset 4Legally binding and UK wide

In simple terms a Living Will is a way in which you can let medical professionals know your wishes now, about your health care and treatment in the future, at a time when you may not be able to express them yourself. A Living Will, also known as an Advance Directive states the circumstances in which you would like treatment to stop or which treatments you would like to refuse completely (it cannot be used to request certain types of treatment). It can also contain details of how much involvement you would like your loved ones to have in these decisions or if you would like to leave them to medical professionals.

The document is legally binding and must be followed by the health care professional administering treatment as long as it is valid and applicable to the situation.

While you have capacity you can discuss your treatment directly with your doctors and jointly map out a treatment plan. However, if you were to be taken to hospital unconscious or are unable to make decisions yourself, temporarily or permanently, due to certain conditions like Alzheimer’s or dementia; your doctors, after discussions with your loved ones, would make treatment decisions for you.

Although medical professionals have a legal and ethical obligation to act in your best interests, they don’t know all of your beliefs, or if you have strong views about particular situations. You may not have had a chance to discuss these with your loved ones either. By drawing up a Living Will, you’re providing reassurance about your wishes and removing some of the burden from your family or friends, who will be making decisions on your behalf at a time which could be extremely emotional for them.

You may have made or heard of a Lasting Power of Attorney (LPA). A registered Health and Welfare LPA helps your loved ones with decisions on the type of healthcare you may need, day to day issues or if residential care is needed for example. There is an option within a Health and Welfare LPA which gives your attorneys the power to refuse/consent to life sustaining treatment. However, it does not allow you to give guidance, conditions or help them make these decisions based on what you would want and in what scenario.

A Living Will and Advance Statement, combined with a Health and Welfare LPA, makes sure all of your health decisions are thought about now, ready for the future.

Why use this tool?

  • Is quick and easy
  • Is not just a form to fill in; it guides you in a logical and manageable way without jargon.
  • Allows you to access your Living Will when you want, add new information whenever you need and update it as and when.
  • Produces your Living Will instantly; a copy of the document is automatically added to your Filing Cabinet, ensuring your trusted people can access the latest version.
  • Gives you the ability to print and sign your Living Will at your convenience, with detailed instructions on how to do so.

Don’t forget to store your signed Living Will with your Health and Welfare Lasting Power of Attorney. You can also include what is known as an Advance Statement which sets out general preferences that you would like to be considered by medical or care staff, and may include statements about your religious or spiritual beliefs, how you would like to be supported, food preferences and your daily routines. Ask us for more details on making an Advance Statement.

Write your Living Will for £ 30.00 and don’t forget to ask for help at any time by clicking the ‘Need Help’ button.

Write an LPA

LPA [ Who speaks for you ]

    • Asset 4Online, over the phone or face to face
    • Asset 4Health & Welfare or Property & Financial
    • Asset 4Lifetime storage and legal checking service

A legal document, which allows you to appoint your most trusted people, attorneys, to make decisions on your behalf. These may be decisions about your financial affairs (as set out in a Property and Financial Affairs LPA), and your health needs (set out in a Health and Welfare LPA).


If you don’t have a LPA in place and you lose the ability to manage your affairs, for example through accident or illness, then your family would need to apply to the Court of Protection for a Deputyship Order. This is very costly, time-consuming and emotionally difficult; and comes at a time when your loved one may be struggling to cope.

LPAs can also be used for temporary financial decisions, where someone may be absent abroad for long periods or where a person may have disabilities which makes getting to the bank or paying bills difficult.

What is the difference between Property and Financial Affairs and a Health and Welfare LPA?
Property and Financial Affairs LPA
Choose one or more people to make decisions about matters relating to:

  • Paying household bills or transferring money in and out of bank accounts.
  • Collecting benefits or salaries owed to you.
  • Selling or transferring your home.
  • Managing the upkeep of your property.

This type of LPA can be used for short periods of time or on a more permanent basis.

Health and Welfare LPA

Choose one or more people, to make decisions about matters relating to:

  • Your daily routine (e.g. eating, taking medication).
  • Your medical care.
  • Moving into a care home.
  • Decisions about life-sustaining treatment.

This type of LPA can only be used when you have lost the ability to make your own decisions.


  • It’s not just access to forms, it’s a comprehensive tool with lots of help and guidance.
  • It’s quick and easy.
  • It’s jargon free
  • It’s written by experts with years of experience with this type of thing
  • You can fill out the questions at a pace to suit you.
  • Your LPAs are produced instantly and added to your important documents, ensuring your trusted people can access the latest version.
  • Print and sign your LPAs at your convenience, with detailed instructions on how to do so.
  • Value for money.

There are no hidden costs when you make your LPAs. Not only do you get expert help, you also get all of this:

  • Unlimited access to your LPA documents.
  • Help and advice on how to sign your LPA correctly
  • Help at the end of the phone whenever it is needed

Online £240.00 per person, per Lasting Power of Attorney.
For telephone and face to face appointments, please contact us

Terms and Conditions
Our Terms and Conditions are located here

Bereavement Guide

Bereavement Guide [ A little help ]

    • Asset 4Step by step guide for families, Executors and Administrators
    • Asset 4No legal jargon
    • Asset 4Free to use
A great tool to help families, executors and administrators discover what to do when someone dies. From the immediate steps to take, for example, registering the death, obtaining a death certificate, arranging a funeral, looking after dependents or securing the property; to distributing the property or possessions of the deceased. The steps are free to use, have a wealth of information and are available now; here on our website, just one click away.
If you are looking for the tools to administer an estate yourself, please take a look at the Executor Toolkit in the next section.
Access the 10 steps free of charge.
Practical Bereavement Toolkit

Practical Bereavement Toolkit [ A little more help ]

    • Asset 4Online tool that does everything a Probate solicitor would do
    • Asset 4Pre-populates letters and Estate Accounts
    • Asset 4Ensures your legal obligations are fulfilled

Apply for a grant of probate online and administer an estate yourself with this unique service

In-depth, comprehensive, online ‘Do it Yourself’ service, giving you everything you need to ensure you have dealt with the estate in line with your responsibilities and liability as a personal representative; while being supported throughout by our award-winning team of specialist Bereavement Advisers.

This toolkit can be used whether a Grant of Representation (also known as the Grant of Probate, Administration or Confirmation) is required or not, even if a Will was not left.

With around half of the population looking to deal with the process themselves following a death, it is important to understand what is expected of you when sorting the affairs of someone who has died. Executor Toolkit can help with the following:

  • Register a death
  • Arrange a funeral
  • Secure property, arrange care for dependents and pets
  • Apply for the Grant of Representation (also known as the Grant of Probate, Administration or Confirmation
  • Securely produce Government forms within the toolkit
  • 50 pre-populated letter templates for notifying organisations, beneficiaries and other interested parties
  • Organise the clearance or sale of a property
  • Arrange bereavement counselling
  • Automated checklists
  • Estate accounts produced in accordance with the law in England & Wales
  • Time-saving, as everything is in one place
  • Trusted links to expert services
  • Technical support

Access to the initial steps; helping you with the immediate things to be done when someone has died is completely free of charge. Continue using the Executor Toolkit to administer the estate for a one-off fee of £x (inclusive of VAT)

And what’s more, this can be reimbursed from the estate later on.

It’s important to know before you begin the process, that if you feel you need additional professional support at any time, you can talk to one of my legal friends who will be able to help you. If you want a helping hand throughout the process, you can upgrade to Executor Toolkit Plus.

Terms and Conditions

Our Terms and Conditions are located here

Online Grief Support

Online Grief Support [ GriefChat ]

    • Asset 4Free 24/7 grief support is available online
    • Asset 4Expert Grief counsellors
    • Asset 4Just chat, no need to login
Not only do we want to support you while dealing with the practical aspects of a bereavement, we want to help with the emotional side of it as well. Most people expect to be very upset or distressed when someone close to them has died. What takes many people by surprise is how strong the emotions can be, how they can change very quickly, and how long they last. You might appear to be your usual self to other people, but on the inside you are struggling to deal with the overwhelming feelings.
Everyone grieves in a way that is unique to them and their relationship with the person who has died.
We know that no-one can understand exactly what your loss feels like to you. But we do understand that it’s sometimes easier to talk to someone outside of your friends and family about grief and the impact of bereavement on your life. This is why we offer the GriefChat service.
GriefChat was created by bereavement experts and by clicking on the Start button, you can chat directly to a specially trained Bereavement Counsellor. GriefChat counsellors are experienced in supporting bereaved people and will listen to your story, explore how your grief is affecting you and help you find any additional support you might need. GriefChat is a completely free service and is available Monday-Friday, 9am-9pm or by email out of these hours.

GriefChat is provided by Professional Help Limited, one of our carefully selected partners. By continuing to use the GriefChat widget you are agreeing to their Terms and Conditions, and Privacy Policy. For more information you can contact Professional Help Limited via their website
Need legal help?

Need legal help? [ We’re here ]

    • Asset 4Access to practical, legal and emotional advice
    • Asset 4Award-winning bereavement and estate planning advice
    • Asset 4Free to call, no time restrictions
If you have any questions about administering an estate or want to simply hand everything over to a specialist, please call 0800 840 1665
It’s better to be safe than sorry, so if you are unsure or just want to find out what options are available then please don't hesitate.

Talk to a specialist bereavement adviser, free of charge
Store

Online Filing cabinet [ Down with rummaging ]

    • Asset 4Let your trusted people know what you have
    • Asset 4Convenient, secure and manageable
    • Asset 4Upgrade to customise and upload documents

  • It’s a digital filing cabinet which helps you to organize everything;
    • From your legal paperwork to where important documents are stored
    • Everyday financial stuff, such as where you bank, who you hold your insurance policies with and your mortgage company
    • Keeping a note of your digital information, such as where you store your photos, accessing your e-books and music library
  • Adds reminders to your files so that you never forget a renewal date again.
  • Allows your most trusted people to access this information whenever it is needed.

Go Premium – customize your filing cabinet

It’s convenient – Access it when you want, add new information whenever you need and update it as and when.

It’s secure – The safety of your information is extremely important to us. We use the latest technology to ensure that everything is protected.

It’s manageable – All in one place, minimal effort, and simple layout.

Make it your own – customize your cabinet.

Keep it all together - Upload and store your documents and information with a single click

With so much of our everyday lives now being paperless, and paper trails no longer existing in the way they used to, it is difficult for people to identify every account that someone has. It is especially problematic when you also include our online accounts. In fact, in a YouGov survey in 2015, it found that over 50% of people wouldn’t be able to access the account of someone who has died. Documenting this information not only means that you have a record of it, but also that your most trusted people can access it at a time when it is needed.

It's free to use the Basic version. But if you want to upload your files and customise your cabinet, then why not subscribe to Premium for £x per month. Unlocks all premium Cloud Vault features including Personal Messages and Your Online Assets.

Say everything

Personal Messages [ Because stories matter ]

    • Asset 4Leave personalised messages for loved ones
    • Asset 4Safely stored, sent when you choose
    • Asset 4Video, text and pictures

Easy to use.

Personal Messages allows you to create personalized messages for your loved ones.

Safely stored, sent when the time comes

These notes are securely stored; ready to be accessed and distributed, by Trusted People chosen by you, when the time is right.

Say it how you want to

Video, text & pictures are all supported.

Share your life story with your loved ones and secure your legacy forever. Say it all so you aren’t leaving your final goodbyes to chance.
Feel sure that nothing is left unsaid when you subscribe for £0.00 per month. Unlocks all premium Cloud Vault features including Your Online Assets and customisable Filing Cabinet.
Funeral Wishes

Plan a funeral [ It’s your funeral ]

    • Asset 4Plan every aspect of your funeral
    • Asset 4Remove the burden rom loved ones
    • Asset 4Edit as many times as you want

Many people don’t like to think about it, however, it is important to share any wishes you may have regarding your funeral arrangements. This is a way for you to let your most trusted people know what you would like, as well as what you wouldn’t like, at your funeral. Funeral Wishes allow you to state things like your religious or spiritual beliefs, whether you wish to be buried or cremated, your preference as to how you would like to be dressed, if you would like flowers and your choice of coffin, amongst other things

It is also possible to pre-pay for your funeral as well as pre-plan. This can be done alongside writing your funeral wishes.

Although hard to think about, it is important to imagine the types of decisions your loved ones will have to make regarding your funeral. They will be asked about caring for your body, whether to have you buried or cremated, your wake or memorial, what funeral procession route to take, what music to have and a multitude of other decisions. And, who would make the decisions? These questions will be made more difficult as they will need to be made at a very emotional time. Not only that, but would your loved ones know exactly what you want? Most people won’t have had, what could be classed as morbid conversations, and as such leaves their loved ones guessing what they do and don’t want at their funeral. By setting out your wishes now you will help your family and friends when the time comes

You can reduce the burden further by arranging a pre-paid funeral. A pre-paid funeral usually covers the cost of the funeral itself as well as getting help and advice from a local funeral director. The fees, also known as disbursements, may well include things as minister’s fees, doctors’ fees, crematorium fees, a simple coffin, help registering a death, all of which will be dependent on the type of plan you choose. You can lock in today's prices and avoid the chance of inflation increasing the costs by prepaying for your funeral now.

Why use this tool?

  • Guides you in a logical and manageable way without jargon.
  • Allows you to access your funeral wishes when you want, add new information whenever you need and update it as and when.
  • Produces a Memorandum of Funeral Wishes which is kept in your Important Documents, ensuring your trusted people can access the latest version, and which can be printed and kept alongside your Will.

Write and edit your Funeral Wishes as many times as you like, free of charge.

Plan

Your Online Assets [ Your online afterlife ]

    • Asset 4Let trusted people know what to do with your digital life
    • Asset 4Keep social media in trusted hands
    • Asset 4Secure, simple, necessary

In this ever-growing digital age of ours we have a bigger online presence than before and more and more electronic devices; these are your online accounts. You’re probably using many of them on a daily basis!

You have used at least one of them to visit me today, your email address; plus, you would have used either a laptop, desktop computer or smart phone. There are countless examples of online accounts, email accounts, digital music, digital photographs and videos, social network accounts, financial accounts, and online stores. You may also have a desktop computer, laptop, tablet, smart phone, storage devices and any similar digital device to name but a few.

In fact 94% of the population have online accounts which are being used as part of everyday life, with the average person in the UK having 26 different accounts and 10 different passwords.

When surveyed, 75% of people said their children wouldn’t be able to access their online accounts when they died and over 50% of people saying their partner wouldn’t have access.

Furthermore, 20% of bereaved families, found it too difficult to locate and deal with the online accounts and so didn’t bother, which means this digital content could be lost forever*. What if you were to become incapacitated? Or would like someone else to manage your finances? Would your trusted people, loved ones, deputies or attorneys be able to access your online accounts to manage your affairs?

There are potential issues that may arise without proper planning;

  • Will your loved ones know what online accounts you have?
    You may incur costs (subscriptions) if not all online accounts are known. Or maybe you have investments you would like to be passed on? What is the worth of your online accounts?
  • Will your loved ones know what to do with them?
  • Do accounts need to be closed? Social media accounts closed or memorialised, software uninstalled? Images stored?*

* Information is taken from www.pwc.co.uk/cyber-security/insights/digital-lives-we-value-our-digital-assets-at- 25-billion.html.

Why use online accounts?

Online Accounts helps you to list your online accounts in a document called a Memorandum of Wishes. This document can be added to your Will, your Lasting Power of Attorneys and accessed by your trusted people. Not only can you list your online accounts but you can also set out what you would like to happen to them.

For example, would you want to memorialise your Facebook account or allow access to your photos and images.

The document ensures your loved ones have all the information they need to manage your digital assets when needed. A copy of the document is automatically added to your DigiFile, ensuring your trusted people can access the latest version.

Edit your online assets as many times as you like when you subscribe for £0.00 per month. Unlocks all premium Cloud Vault features including Personal Messages and customisable Filing Cabinet.
Trusted People

Trusted People [ Who’s got your back ]

    • Asset 4Nominate up to 4 trusted people
    • Asset 4Make sure your account is looked after
    • Asset 4Choose family, friends and loved ones

You can choose up to 4 trusted people to manage your account if something were to happen to you. You should choose the people you would trust most in life to sort out your financial, property and health affairs if you are unable to do this yourself.


Your trusted people can be family, friends and loved ones, people who you have confidence in to carry out your wishes and act in your best interests when the time comes. We recommend choosing people like your spouse or next of kin, the people you would appoint as executors in your Will and attorneys in your LPA.

Once you have added a trusted person, they will receive an email notification explaining that they have been nominated and why. They will also receive super secure and unique trusted person log in details, so rest assured only the people you choose will be able to access your account if need be. For that extra bit of peace of mind, all nominated trusted people will receive an email notification if a trusted person logs in.

Nominate yourTrusted People free of charge.