Do I REALLY Need a Will? 10 Common Myths Debunked
Introduction
Most adults in the UK don’t have a Will — roughly 60% according to recent surveys. That’s millions of people leaving their loved ones vulnerable to confusion, stress, and legal complications. A lot of this hesitation comes from myths and misconceptions about who needs a Will, how expensive it is, and what it really covers.
In this post, we’ll explore the 10 most common myths about Wills and explain why everyone, no matter their age or financial situation, benefits from having one.
Myth 1: I’m too young to need a Will
Many young adults believe that Wills are only for older people or the wealthy. But life is unpredictable. Accidents, illness, or sudden changes can happen at any age. Having a Will ensures that your loved ones are protected and your wishes are followed, even if the unexpected occurs.
Tip: Even a simple Will made in your 20s can save your family legal headaches later.
Myth 2: I don’t own much, so it’s unnecessary
A Will isn’t just about money. It also covers:
Personal possessions with sentimental value
Digital assets like online accounts or cryptocurrency
Guardianship of children if you have them
Charitable donations or gifts
Even modest estates benefit from the clarity a Will provides.
Myth 3: My spouse or partner will automatically inherit everything
Under UK law, unmarried partners have no automatic inheritance rights. Children, stepchildren, friends, or charities won’t automatically receive anything unless specified in a Will. This is one of the most important reasons to create a Will if you want to make sure your intentions are honoured.
Myth 4: I can handle it later
It’s easy to procrastinate when thinking about death, but delaying a Will can have real consequences. Without one, the estate is distributed according to intestacy laws, which might not match your wishes.
Myth 5: I already have life insurance or a pension
Life insurance and pensions are helpful financial tools, but they don’t replace a Will. They may not cover all assets or appoint guardians for children. A Will ensures every aspect of your estate is handled according to your preferences.
Myth 6: Wills are too expensive or complicated
Modern Will services and solicitors offer affordable, straightforward options. Many simple Wills are inexpensive, and professional guidance ensures your Will is legally valid, reducing risks for your loved ones.
Myth 7: I can just write it myself
DIY Wills can seem tempting, but errors are common. Mistakes can make your Will invalid or unclear, creating extra stress for your family. A professionally prepared Will ensures clarity, legality, and peace of mind.
Myth 8: I don’t have children, so it’s not necessary
Even without children, a Will allows you to decide:
Who receives your personal possessions
Charitable contributions
Gifts for close friends or extended family
This ensures your intentions are followed rather than leaving decisions to the courts.
Myth 9: Once I make a Will, it lasts forever
Life changes — marriage, divorce, children, property purchases, or inheritance can all impact your Will. Regularly reviewing and updating your Will ensures it reflects your current circumstances and wishes.
Myth 10: Lawyers will push expensive services
A good solicitor or Will service prioritises your wishes and legal protection over selling additional services. Transparent professionals will guide you without unnecessary upselling.
Conclusion
Don’t let myths stand in the way of protecting your loved ones. Writing a Will is one of the most important acts of care you can do. It doesn’t have to be expensive, complicated, or frightening — just thoughtful.
Next Step: Download our Free Will Guide PDF to get practical, step-by-step advice on creating a Will that’s right for you and your family.