Union-wills.co.uk Review

Based on checking the website Union-wills.co.uk, the service appears to offer online will writing, Lasting Power of Attorney (LPA), and probate services, primarily targeting union members in England & Wales. The website highlights convenience and professional advice, aiming to simplify what can be a complex legal process. While the idea of planning for the future is sound, particularly in ensuring assets are distributed according to one’s wishes and avoiding disputes, it’s crucial to approach such services with a keen eye for detail and legal compliance, especially when considering the ethical framework of Islamic jurisprudence.

Here’s an overall review summary for Union-wills.co.uk:

• Service Type: Online Will Writing, Mirror Wills, Lasting Power of Attorney, Probate Assistance.
• Target Audience: Primarily Union Members in England & Wales, though services are generally available.
• Key Offerings: Free Basic Will (with caveats), fixed-price services, online accessibility.
• Claimed Benefits: Peace of mind, financial protection for family, secure asset distribution, avoidance of disputes.
• Noteworthy Features: Guides on various topics including “Islamic Wills.”
• Ethical Consideration (Islamic Context): While the act of making a will is encouraged in Islam, the specific mechanisms and compliance with Islamic inheritance laws (Fara’id) require careful scrutiny, especially when using a generic online service. The website mentions Islamic Wills, which is a positive sign, but the depth of this offering and its adherence to Sharia principles would need thorough investigation beyond the homepage information. The core premise of ensuring one’s wishes are carried out aligns with Islamic teachings, provided those wishes themselves are permissible and the distribution adheres to divine injunctions.
• Overall Recommendation: Proceed with caution and thorough due diligence. For matters of will writing, especially an “Islamic Will,” it’s often best to consult with a qualified solicitor or a legal expert who specialises in Islamic inheritance law to ensure full compliance with both UK law and Sharia. Relying solely on a basic online service might lead to unintended consequences or non-compliance with specific religious requirements.

The convenience offered by Union-wills.co.uk, allowing users to create a will online, is certainly appealing in today’s fast-paced world. They emphasise protection for families and assets, aiming to alleviate the stress associated with end-of-life planning. However, the intricacies of wills, particularly those involving specific financial transactions, trusts, or unique family structures, often necessitate more than a templated online solution. The mention of “Islamic Wills” is a significant point for Muslim users, as it suggests an awareness of specific religious requirements. Yet, the critical question remains: how comprehensively does their service facilitate compliance with the complex rules of Islamic inheritance, which go beyond mere wishes and are dictated by divine law? Without clear evidence of robust Sharia-compliant legal oversight, a generic online platform, even one acknowledging Islamic wills, might fall short of ensuring full adherence to Fara’id. This is not to say the service is inherently flawed, but rather that for those with specific religious obligations, additional verification and expert consultation are paramount.

Here are some alternatives for ethical and comprehensive financial and legal planning, especially relevant for those seeking Sharia-compliant solutions:

• Islamic Inheritance Advisory Services: These services specialise in drafting wills and managing estates in strict accordance with Islamic inheritance laws (Fara’id) while also ensuring compliance with UK legal requirements. They provide in-depth consultations to address complex family structures, assets, and specific religious stipulations.

  • Key Features: Sharia-compliant will drafting, estate planning, expert legal advice, tailored solutions.
  • Average Price: Varies significantly based on complexity, often ranging from £300 to £1000+.
  • Pros: Guarantees adherence to Islamic principles, personalised advice, experienced legal professionals.
  • Cons: Can be more costly than basic online services, requires more direct engagement.

• Certified Financial Planners (CFP): While not specific to wills, a CFP can help you structure your overall financial affairs ethically, including investments, savings, and general wealth management, which indirectly supports the creation of a sound will. They can advise on halal investment options and financial strategies that align with Islamic values.

  

  • Key Features: Holistic financial planning, ethical investment advice, retirement planning, wealth management.
  • Average Price: Fee-based, often 0.5% – 1% of assets under management or a fixed fee from £500.
  • Pros: Comprehensive approach to financial well-being, helps in long-term ethical wealth accumulation.
  • Cons: May not specialise in will drafting itself, focus is broader financial strategy.

• Legal Consultations with Solicitors specialising in Islamic Law: For complex cases or those who prefer in-person, detailed advice, consulting a solicitor with expertise in both UK and Islamic law is invaluable. They can ensure your will is legally robust and fully Sharia-compliant, navigating any potential conflicts between the two legal systems.

  • Key Features: In-depth legal analysis, bespoke will drafting, conflict resolution, inheritance tax planning.
  • Average Price: Hourly rates typically £150-£400, fixed fees for wills from £400+.
  • Pros: Highest level of legal assurance, tailored to individual needs, handles complex scenarios.
  • Cons: Most expensive option, requires significant time commitment.

• Digital Estate Planning Platforms with Ethical Frameworks: Some newer platforms are emerging that integrate ethical considerations into digital estate planning, focusing on transparency and user control. While they might not be explicitly “Islamic,” they offer structured ways to manage digital assets and ensure ethical principles are followed.

  • Key Features: Digital asset management, secure document storage, ethical legacy planning tools.
  • Average Price: Subscription-based, £5-£20 per month or annual fees from £50-£200.
  • Pros: Convenient, modern approach to estate management, focuses on digital footprint.
  • Cons: May not fully address all nuances of Islamic inheritance, still a developing field.

• Trust-based Estate Planning Services: For individuals with substantial assets or specific charitable intentions, establishing trusts can be a highly effective way to manage wealth and ensure its distribution according to specific wishes, which can be aligned with Islamic principles of Waqf (endowment).

  • Key Features: Asset protection, long-term wealth management, philanthropic giving, tax efficiency.
  • Average Price: Varies greatly, can be £1000s for setup and ongoing management fees.
  • Pros: Excellent for complex estates, enables charitable giving, flexible.
  • Cons: High initial cost, requires professional administration, can be complex to set up.

• Islamic Charitable Organisations for Waqf: Many Islamic charities offer advice and services for establishing Waqf (endowments) as part of estate planning. This allows individuals to dedicate a portion of their wealth to charitable causes in perpetuity, which is a highly recommended act in Islam.

  • Key Features: Philanthropic planning, establishment of Waqf, perpetual good deeds.
  • Average Price: Varies based on the amount dedicated to Waqf, administrative fees may apply.
  • Pros: Fulfills religious obligations, creates lasting legacy, supports community.
  • Cons: Focuses specifically on charitable giving, not a comprehensive will service.

• Professional Will Storage Services: Once a will is drafted, secure storage is paramount. While some will writers offer this, dedicated storage services provide peace of mind that your crucial document is safe and accessible to your executors when needed.

  • Key Features: Secure, fireproof storage, easy retrieval for executors, registration with national will registers.
  • Average Price: Annual fees typically £20-£50.
  • Pros: Ensures safety and accessibility of your will, prevents loss or damage.
  • Cons: Does not involve will drafting, only storage.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

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Union-wills.co.uk Review & First Look

Union-wills.co.uk presents itself as a convenient online platform for drafting wills and Lasting Power of Attorneys (LPAs) in the UK, particularly catering to union members. Upon an initial review of their homepage, the site aims to demystify the often-daunting process of estate planning. They highlight the importance of having an accurate will to protect family and ensure assets are distributed according to one’s wishes, thereby preventing potential disputes among relatives. The site offers a “free basic will” for union members, a common hook to attract users, though it’s promptly clarified that this might not suit everyone and additional fees apply for more complex arrangements.

Navigating the Union-wills.co.uk Homepage

The homepage is designed to be user-friendly, featuring clear calls to action for writing a will, setting up an LPA, or viewing pricing. Key services like ‘Will Writing’, ‘Mirror Will’, and ‘Lasting Power of Attorney’ are prominently displayed with brief descriptions and direct links to their respective sections. This structured layout helps potential users quickly identify the services relevant to their needs. The site also provides a set of guides, covering topics from “Bloodline Wills Explained” to “Applying for Probate” and, notably, “Islamic Wills.” The inclusion of Trustpilot ratings on the homepage attempts to build trust and social proof, indicating they are actively seeking and displaying customer feedback.

Initial Impressions on Transparency and Clarity

While the website appears to offer a straightforward approach to essential legal documents, a critical eye reveals areas where more detailed information could enhance transparency. For instance, the “free basic will” claim, while eye-catching, immediately comes with a caveat. It suggests that many users might quickly graduate to services requiring “further advice from our team and additional OPTIONAL fees.” This is a common practice in online legal services, but clear and upfront pricing structures for all potential scenarios would be beneficial. The site mentions “trained and friendly advisors,” but details regarding their qualifications, accreditations, or regulatory bodies are not immediately apparent on the homepage, which is a crucial aspect for a legal service provider. Users typically seek assurance that the advice and services provided are from genuinely qualified professionals, particularly for sensitive legal matters like wills.

Union-wills.co.uk Features

Union-wills.co.uk offers a range of features designed to simplify the process of estate planning for individuals in England & Wales. These features aim to provide a comprehensive, albeit online, solution for securing one’s future and assets.

Online Will Writing Service

The core offering of Union-wills.co.uk is its online will writing service. This allows users to draft their last will and testament from the comfort of their home, accessible via any device with an internet connection. The process is marketed as efficient, designed to provide peace of mind by ensuring financial protection for families and proper distribution of possessions. Therewardsclub.co.uk Review

• Key Aspects:
  • Accessibility: Available 24/7 online.
  • Customisation: Users can input their specific wishes regarding assets, beneficiaries, and executors.
  • Ease of Use: Promoted as a straightforward process.
  • Guidance: Implied support from “trained and friendly advisors” for queries.

Mirror Wills

For couples, Union-wills.co.uk provides a “Mirror Will” service. This feature allows two individuals, typically spouses or partners, to create almost identical wills. Each person leaves their estate to the other in the first instance, and then to the same named beneficiaries (e.g., children) if the other partner has already passed away. This is a popular option for couples who wish to ensure their assets pass seamlessly between them before going to their designated heirs.

• Benefits:
  • Coordinated Planning: Ensures consistency in estate planning for couples.
  • Simplified Process: Often involves filling out similar information for both wills.
  • Common Goal: Aligns the wishes of both partners.

Lasting Power of Attorney (LPA)

Beyond wills, the platform facilitates the setup of a Lasting Power of Attorney (LPA). An LPA is a legal document that allows an individual (the ‘donor’) to appoint someone they trust (the ‘attorney’) to make decisions on their behalf, should they lose the mental capacity to do so themselves. Union-wills.co.uk offers assistance with both types of LPAs: property and financial affairs, and health and welfare.

• Types of LPA:
  • Property and Financial Affairs LPA: Covers decisions about money, property, and investments.
  • Health and Welfare LPA: Covers decisions about medical treatment, daily routine, and living arrangements.
• Importance: Provides a safety net for future incapacitation due to illness or old age, ensuring one’s affairs are managed according to their wishes.

Probate Assistance

While the primary focus is on will writing and LPAs, Union-wills.co.uk also mentions assistance with applying for probate. Probate is the legal process of validating a will and administering the deceased person’s estate. This indicates the service extends beyond initial document creation to potentially supporting families during the often-complex post-death administrative period.

• Role: Guidance on navigating the legal requirements for estate administration.
• Support: Aims to make the probate process less daunting for beneficiaries.

Secure Will Storage

The website mentions “Storing your will securely” as one of the services offered. This is a crucial feature, as a will’s validity and enforceability depend on its preservation. Secure storage ensures that the document is protected from damage, loss, or tampering, and that it can be easily retrieved by executors when needed.

• Advantages:
  • Safety: Protects the physical document.
  • Accessibility: Ensures executors can locate the will promptly.
  • Peace of Mind: Reduces concerns about the will’s security.

Educational Guides

Union-wills.co.uk provides a section of “Guides” covering various aspects of wills and estate planning. These resources aim to educate users on important topics, such as “Bloodline Wills Explained,” “Applying for Probate,” and “Changing a Will.” Significantly, they also feature an “Islamic Wills” guide, signalling an attempt to cater to specific religious requirements. Geekgarage.co.uk Review

• Content: Informative articles to help users understand complex legal concepts.
• Relevance: Addresses common questions and scenarios in estate planning.
• Specialised Content: Inclusion of “Islamic Wills” guide highlights an awareness of diverse user needs.

Union-wills.co.uk Pros & Cons

When evaluating an online service like Union-wills.co.uk, it’s essential to weigh its strengths against its potential weaknesses. This balanced perspective helps potential users make an informed decision, especially when dealing with critical legal documents like wills and LPAs.

Union-wills.co.uk Pros

• Convenience and Accessibility: The primary advantage of an online platform is the ability to draft legal documents from anywhere, at any time, as long as there’s an internet connection. This eliminates the need for in-person appointments, saving time and travel.
• Cost-Effectiveness (Potentially): Compared to traditional solicitors, online will writing services often present themselves as a more affordable option. The mention of a “free basic will” for union members, even with caveats, can be a significant draw for those on a budget.
• Streamlined Process: The website aims to simplify the complex process of will writing, potentially breaking it down into manageable steps that are easier for laypersons to follow.
• Guides and Resources: The availability of educational guides on various topics, including “Islamic Wills,” is a positive feature. These resources can help users understand the implications of their decisions and the different aspects of estate planning.
• Trustpilot Presence: Displaying Trustpilot ratings on the homepage indicates a commitment to transparency and feedback, which can build a degree of trust with potential customers.
• Focus on Union Members: By specifically catering to union members, Union-wills.co.uk might offer tailored advice or benefits that are particularly relevant to this demographic.

Union-wills.co.uk Cons

• Limited Scope for Complex Cases: While suitable for straightforward wills, online services like Union-wills.co.uk may struggle with or charge significantly extra for complex estates involving intricate trusts, overseas assets, blended families, or specific tax planning requirements. The disclaimer about “Mirror and Complex Wills” requiring “further advice” and “additional OPTIONAL fees” underscores this limitation.
• Lack of Personalised Legal Advice: Although they mention “trained and friendly advisors,” the level of personalised, in-depth legal advice that a qualified solicitor offers might be limited. Online platforms typically rely on templates and user input, which may not capture all nuances or provide tailored solutions for unique circumstances.
• Reliance on User Input Accuracy: The accuracy and validity of the will heavily depend on the user’s ability to correctly understand and input their information. Misinterpretations or errors in data entry can lead to significant legal issues down the line.
• Unclear Professional Qualifications: The homepage does not immediately display the professional qualifications, regulatory body memberships, or specialisations of the advisors or legal professionals involved. For critical legal documents, this transparency is paramount to ensure the user is receiving competent and regulated advice.
• Adherence to Islamic Law: While an “Islamic Wills” guide is provided, the extent to which the online tool genuinely facilitates full compliance with the intricate rules of Islamic inheritance (Fara’id) without direct, expert Sharia-compliant legal consultation is questionable. Islamic inheritance is a highly specialised field, and generic templates may not suffice to address all requirements, potentially leading to non-compliance or disputes.
• Service Area Limitation: The service is explicitly stated as being “currently available in England & Wales,” limiting its applicability for residents of other UK nations or overseas.
• Potential for Hidden Costs: The promise of a “free basic will” can mask the fact that most users, especially those with anything beyond the simplest of estates, will likely incur additional, potentially significant, fees for complex or tailored services.

Union-wills.co.uk Alternatives

Given the complexities of will writing, especially when specific ethical or religious considerations are involved, exploring alternatives to a general online service is a prudent step. For those seeking comprehensive and Sharia-compliant estate planning, several options offer a more tailored and ethically aligned approach.

Specialised Islamic Will Solicitors

For Muslims, ensuring a will adheres strictly to Islamic inheritance laws (Fara’id) is paramount. This often requires expertise that goes beyond standard UK legal practice. Solicitors who specialise in Islamic law and estate planning can draft wills that are both legally binding in the UK and fully compliant with Sharia principles. They can navigate the complexities of specific distributions, charitable endowments (Waqf), and other unique requirements.

• Key Advantage: Guarantees adherence to Islamic principles, which can be highly complex and specific to individual family situations and assets.
• Consideration: May be more expensive than general online services due to the specialised expertise required.
• Example: Firms like Islamic Finance Guru (IFG) or specialised departments within larger law firms.

Traditional UK Solicitors

For those who value personalised advice and comprehensive legal support, engaging a traditional UK solicitor is a robust alternative. Solicitors provide one-on-one consultations, allowing for a deep understanding of individual circumstances, assets, and wishes. They can offer bespoke advice, identify potential pitfalls, and ensure the will is drafted precisely to reflect the testator’s intentions while complying with all relevant laws.

• Key Advantage: Personalised advice, comprehensive legal expertise, ability to handle complex and unique situations.
• Consideration: Generally more expensive than online services, requires in-person meetings (or detailed virtual consultations).
• Example: Local law firms in your area that specialise in wills, trusts, and probate. Search for “solicitor will writing UK” on the Law Society website.

Professional Will Writers (Non-Solicitor)

There are many professional will writers who are not qualified solicitors but are members of professional bodies like the Institute of Professional Willwriters (IPW) or the Society of Will Writers (SWW). These professionals adhere to codes of conduct and carry indemnity insurance. They often provide a more personal service than online platforms but might be more affordable than traditional solicitors. Factorymx.co.uk Review

• Key Advantage: Personal service, often more affordable than solicitors, regulated by industry bodies.
• Consideration: While regulated, they may not have the full legal scope of a qualified solicitor for extremely complex legal challenges.
• Example: Look for members of the Institute of Professional Willwriters or the Society of Will Writers.

Do-It-Yourself (DIY) Will Kits

For very straightforward estates, DIY will kits bought from stationery shops or online can be an extremely low-cost option. These provide templates and instructions for drafting a basic will. However, this option carries significant risks, as any error or ambiguity can render the will invalid or lead to unintended consequences.

• Key Advantage: Very low cost.
• Consideration: High risk of error, no legal advice, unsuitable for anything but the simplest estates, often not suitable for Islamic wills without significant adaptation and expert review.
• Example: WHSmith or Amazon sell various will kits.

Charitable Will Writing Schemes

Some charities offer free will writing services, often in partnership with solicitors, in the hope that you will consider leaving a legacy to their cause. While there’s no obligation to do so, it’s a way to get a professionally drafted will without direct cost.

• Key Advantage: Free professional will drafting.
• Consideration: May have a suggested donation or encourage a legacy gift to the charity.
• Example: Many large charities like Cancer Research UK or RSPCA offer such schemes.

Estate Planning Consultancies

These firms offer broader estate planning services beyond just wills, including inheritance tax planning, trust creation, and wealth management. They can provide a holistic approach to securing your financial future and ensuring assets are distributed efficiently.

• Key Advantage: Comprehensive financial and legal planning, tax efficiency.
• Consideration: Can be more expensive due to the wider range of services offered.
• Example: Search for “estate planning consultants UK” to find local or national firms.

Each alternative has its own set of advantages and disadvantages regarding cost, convenience, and depth of legal or ethical compliance. The choice should ultimately depend on the complexity of your estate, your budget, and the level of personalised advice you require, especially if adhering to specific religious stipulations. Xpg.co.uk Review

How to Cancel Union-wills.co.uk Subscription

Given that Union-wills.co.uk likely operates on a subscription or per-service model, understanding how to cancel or manage your relationship with them is crucial. While the homepage doesn’t explicitly detail a subscription model beyond mentioning “optional fees,” online service providers usually have clear terms for service cessation.

Reviewing Terms and Conditions (T&Cs)

The first step in cancelling any service, especially an online one, is always to thoroughly review the Terms and Conditions (T&Cs) or Service Agreement you agreed to when signing up. These documents typically outline the cancellation policy, notice periods, refund eligibility, and any associated fees. Union-wills.co.uk should have these documents readily available, usually linked in the footer of their website.

• Key information to look for:
  • Cancellation policy: Does it require a specific notice period?
  • Refund policy: Are you eligible for any refunds for unused services or if you cancel within a certain timeframe?
  • Data retention: What happens to your personal and legal data upon cancellation?
  • Contact methods: How are cancellations officially processed (e.g., via email, phone, or an online portal)?

Contacting Customer Support

The most direct way to initiate a cancellation is by contacting Union-wills.co.uk’s customer support. Look for a “Contact Us” page on their website, which typically provides phone numbers, email addresses, or a contact form. When contacting them, clearly state your intention to cancel and provide all necessary account details to facilitate the process.

• Information to provide:
  • Your full name as registered with the service.
  • Your registered email address.
  • Any account numbers or unique identifiers.
  • A clear statement of your request to cancel.
• Record keeping: It’s always a good practice to keep a record of your communication, including dates, times, and names of representatives you speak with, along with any confirmation numbers.

Checking Your Account Portal

Many online services provide a user account portal where you can manage your subscription, view billing details, and sometimes initiate cancellations directly. Log in to your Union-wills.co.uk account and look for sections like “My Account,” “Subscriptions,” “Billing,” or “Settings.”

• Steps to follow:
  • Log in to your Union-wills.co.uk account.
  • Navigate to the account management or subscription section.
  • Look for an option to cancel or manage your service.
  • Follow the on-screen prompts to complete the cancellation process.

Discontinuing Payments

While directly stopping payments (e.g., cancelling a direct debit or recurring card payment) might seem like a quick solution, it should generally be a last resort. Unauthorised stopping of payments without proper cancellation can lead to complications, such as debt collection efforts, negative impacts on your credit score, or legal disputes, depending on the terms of service. Always attempt to follow the official cancellation procedure first. Paynesgarages.co.uk Review

• If you must stop payments:
  • Ensure you have formally communicated your cancellation request to Union-wills.co.uk and have documentation to prove it.
  • Inform your bank or payment provider to cease future payments, but be aware of potential repercussions if you are still contractually obligated.

Union-wills.co.uk Pricing

Understanding the pricing structure of Union-wills.co.uk is essential for any potential user, especially given the promise of a “free basic Will” which comes with significant caveats. The website includes a “View our pricing” link, which should detail their full fee structure.

The “Free Basic Will” Hook

Union-wills.co.uk prominently advertises a “Free Basic Will*” exclusive to union members. This is a common marketing strategy to attract initial interest. However, the asterisk immediately clarifies its limitations: “A free basic Will may not be suitable for everyone, other products are optional. Mirror and Complex Wills (involving specific financial transactions or Trusts for example), will require further advice from our team and additional OPTIONAL fees will apply.” This suggests that while a bare-bones will might be free, most users will likely need or opt for services that incur charges.

• Implication: Users should expect that if their circumstances are anything beyond the most basic, they will likely face additional costs. This includes:
  • Mirror Wills for couples.
  • Wills involving specific financial transactions.
  • Wills requiring trusts.
  • Wills with complex beneficiary arrangements.

Pricing for Additional Services

To get a clear picture of the actual cost, users must navigate to the “View our pricing” page. Without direct access to this page, assumptions can be made based on industry averages and the typical offerings of online will writing services. Generally, these services charge for:

• Standard Will (non-free basic): If a user is not a union member, or if the “basic” free will is deemed unsuitable, there will be a charge for a standard individual will. Prices for such online wills typically range from £50 to £150.
• Mirror Wills: These are usually offered as a package deal for couples and tend to be more expensive than two individual wills but cheaper than purchasing two standard wills separately. A common price range is £80 to £250 for a pair.
• Lasting Power of Attorney (LPA): Setting up an LPA is a separate service. The cost can vary depending on whether it’s for property and financial affairs, health and welfare, or both. Additionally, there’s a mandatory registration fee payable to the Office of the Public Guardian (OPG) in the UK (currently £82 per LPA for most applications, but can be reduced or waived for those on low income or benefits). Online services often charge £100 to £250 per LPA, excluding the OPG fee.
• Will Storage: Secure storage of the physical will document often incurs an annual fee. This can range from £20 to £50 per year.
• Trusts and Complex Provisions: For wills involving trusts, specific tax planning, or very detailed instructions, online services typically require direct consultation and will charge higher, often bespoke, fees. These can escalate significantly, potentially into the hundreds of pounds depending on the complexity, moving closer to solicitor fees.
• Probate Assistance: If Union-wills.co.uk provides direct probate application assistance, this would be a separate, often more substantial, service charge, as probate can be a time-consuming and legally intricate process. This could range from hundreds to thousands of pounds depending on the estate’s size and complexity.

Comparison to Industry Averages (UK)

• DIY Will Kits: Can be as low as £10-£30, but with high risks of invalidity.
• Online Will Writing Services (e.g., Union-wills.co.uk type): Generally £50-£250 for standard and mirror wills, plus additional fees for LPAs or complex elements.
• Professional Will Writers (non-solicitor): Typically £150-£400 for an individual will, £250-£600 for mirror wills, offering a balance of personalisation and cost.
• Solicitors: Range from £200-£600+ for a basic individual will, and £300-£900+ for mirror wills, with significant increases for complex estates (potentially £1000s), providing the highest level of legal protection and personalised advice.

Therefore, while Union-wills.co.uk may appear attractive with its “free basic will,” prospective users should carefully review their full pricing page to understand the total potential cost for their specific needs, especially if their estate or wishes are not straightforward.

Union-wills.co.uk vs. Traditional Solicitors

When it comes to drafting important legal documents like wills and Lasting Powers of Attorney (LPAs), individuals often weigh the convenience and cost-effectiveness of online platforms like Union-wills.co.uk against the personalised, in-depth service offered by traditional solicitors. Each option has distinct advantages and disadvantages, catering to different needs and complexities. Dssebeauty.co.uk Review

Accessibility and Convenience

• Union-wills.co.uk: This platform excels in convenience. Users can access the service 24/7 from any internet-connected device, eliminating the need for travel or scheduling appointments. This is ideal for those with busy schedules or limited mobility. The process is designed to be streamlined and self-service.
• Traditional Solicitors: While many solicitors now offer virtual consultations, the process generally involves scheduled appointments, whether in person or via video call. This can be less convenient for some but allows for dedicated, uninterrupted discussion and advice.

Cost

• Union-wills.co.uk: Often positioned as a more affordable option, especially with the enticing “free basic will” for union members. Even for paid services, the upfront cost for a standard will or mirror will is generally lower than a solicitor’s fee.
• Traditional Solicitors: Typically charge higher fees, reflecting the personalised legal advice, professional indemnity insurance, and the bespoke nature of the service. However, for complex estates, a solicitor’s initial higher fee can prevent costly mistakes or disputes later, potentially saving money in the long run.

Depth of Legal Advice and Personalisation

• Union-wills.co.uk: Provides templated solutions and relies heavily on user input. While they mention “trained and friendly advisors,” the level of personalised, in-depth legal advice for unique or complex situations might be limited. The service is geared towards efficiency for common scenarios.
• Traditional Solicitors: Offer comprehensive, one-on-one legal advice tailored to individual circumstances. They can identify potential legal challenges, offer strategic solutions for tax planning, address complex family dynamics (e.g., blended families, dependents with special needs), and provide nuanced advice on specific assets or international considerations. This level of personalisation is invaluable for peace of mind.

Handling of Complex Cases and Ethical Considerations

• Union-wills.co.uk: Explicitly states that “Complex Wills (involving specific financial transactions or Trusts for example), will require further advice… and additional OPTIONAL fees.” This indicates their limitations for intricate matters, which may still lead to additional costs that approach or exceed solicitor fees without the same depth of personal legal counsel. For “Islamic Wills,” while they have a guide, ensuring full Sharia compliance for complex inheritance rules without bespoke, expert consultation can be challenging through a general online template.
• Traditional Solicitors: Particularly those specialising in areas like trusts, inheritance tax, or Islamic law, are equipped to handle the most intricate estates. They can draft highly customised documents, set up trusts, and navigate specific ethical or religious requirements (e.g., ensuring full adherence to Fara’id for Islamic wills) with precision and legal certainty. A solicitor ensures not only legal validity but also compliance with highly specific religious stipulations.

Regulation and Recourse

• Union-wills.co.uk: While online will writers may be members of industry bodies like the Society of Will Writers or the Institute of Professional Willwriters, which have codes of conduct and complaints procedures, they are not regulated by the Solicitors Regulation Authority (SRA) in the same way as solicitors.
• Traditional Solicitors: Are strictly regulated by the SRA (in England and Wales), providing clients with robust protection and clear avenues for recourse if something goes wrong. They also carry professional indemnity insurance, offering financial protection against professional negligence.

Data Security and Privacy

Both types of services handle sensitive personal and financial data. Users should always verify the data security measures and privacy policies of any online platform. Solicitors, by virtue of their professional obligations, are bound by strict confidentiality rules and data protection regulations.

Conclusion

For individuals with very simple, straightforward affairs and who are comfortable navigating legal terminology on their own, Union-wills.co.uk might offer a convenient and cost-effective solution for a basic will. However, for anyone with complex family structures, significant assets, specific tax planning needs, or, crucially, adherence to detailed religious inheritance laws like Fara’id, the comprehensive, personalised, and regulated advice of a traditional solicitor, especially one specialising in Islamic law, offers unparalleled peace of mind and legal certainty. The slightly higher initial cost for a solicitor can be seen as an investment in avoiding future disputes or unintended legal consequences.

How to Cancel Union-wills.co.uk Free Trial

If Union-wills.co.uk offers a free trial for its services, typically for a “basic will” or limited access to features, understanding the cancellation process is crucial to avoid unintended charges. While the homepage mentions a “Free Basic Will*” for union members, it’s not explicitly framed as a ‘trial’ in the typical sense that automatically converts to a paid subscription after a period. However, any service that is initially free but has pathways to paid tiers should be approached with clear knowledge of how to disengage if it doesn’t meet expectations.

Understanding the “Free Basic Will” Nuance

The phrase “Free Basic Will*” on Union-wills.co.uk is a key differentiator. It implies that the basic service itself is free for union members, not necessarily a time-limited trial that rolls into a paid subscription for the same basic service. Instead, the asterisk points to the fact that “Mirror and Complex Wills” will incur “additional OPTIONAL fees.” This suggests that if you only use the “free basic will” and do not opt for any upgrades or additional services (like a Mirror Will or LPA), there might be no “subscription” to cancel in the traditional sense. You simply utilise the free offering and then don’t proceed with any paid components.

However, if they do have a free trial for a premium feature or if your union membership status changes, the following general steps for cancelling any online free trial would apply. Scentsandscentsibilityltd.co.uk Review

Step-by-Step Cancellation for a Typical Online Free Trial

1. Locate Your Account Settings:

   • Log in to your Union-wills.co.uk account using the credentials you created when signing up.
   • Navigate to your account dashboard. Look for sections typically labelled “Account Settings,” “Subscription,” “Billing,” “My Plan,” or similar.

2. Identify Subscription/Trial Details:

   • Within the account settings, find details about your current plan or trial. This should show the trial’s start date, end date, and what it will convert to if not cancelled.

3. Initiate Cancellation:

   • Look for a “Cancel Subscription,” “Manage Plan,” or “End Trial” button or link.
   • Click on it and follow the prompts. Be aware that some services might try to persuade you to stay with offers or by asking for feedback.

4. Confirm Cancellation:

   • After completing the steps, you should receive a confirmation email. This email is crucial as proof of your cancellation. Save it for your records. If you don’t receive one, check your spam folder or contact customer support directly.

5. Check for Future Charges: Pearllemonrepairs.co.uk Review

   • Monitor your bank or card statements for a few billing cycles to ensure no charges from Union-wills.co.uk appear after your cancellation.

Key Considerations for Union-wills.co.uk’s “Free Basic Will”

• No Automatic Conversion? If the “Free Basic Will” is truly free and does not involve collecting payment details upfront for a recurring charge, then there might be no active “trial” to cancel. You simply choose not to proceed with paid services.
• Optional Upgrades: The primary risk of incurring fees comes from opting for “Mirror and Complex Wills” or “Lasting Power of Attorney,” which are clearly marked as requiring “additional OPTIONAL fees.” If you choose these, you are knowingly entering a paid service, not ending a free trial.
• Will Storage: If they offer a free period for will storage that then converts to a paid service, this is where a traditional “free trial” cancellation process would apply. Review the terms for will storage carefully.
• Contact Support if Unsure: If you are uncertain whether your “free basic will” engagement could lead to charges, or if you simply wish to sever all ties with your account, the best course of action is to directly contact Union-wills.co.uk’s customer support. Ask for explicit confirmation that no charges will be incurred and that your account, if applicable, is closed.

In essence, for Union-wills.co.uk, the “free trial” concept might be more about the entry point to their services rather than a time-limited free usage period that automatically converts. Users should pay close attention to any terms regarding upgrades or additional services to avoid unexpected costs.

Union-wills.co.uk vs. Competitors

When evaluating Union-wills.co.uk, it’s beneficial to compare it against other players in the online will writing and estate planning market in the UK. This helps to contextualise its offerings, pricing, and suitability for different user needs. Key competitors typically fall into various categories, from other online platforms to more traditional legal service providers.

Union-wills.co.uk: At a Glance

Union-wills.co.uk positions itself as an accessible online platform, with a unique emphasis on union members and the enticing offer of a “free basic will” for this group. Its main draw is convenience and a perceived lower cost compared to traditional solicitors. It aims to simplify the will writing and LPA process, offering standard services and guides, including one on “Islamic Wills.”

Comparison with Key Competitors

1. Beyond Will (Online Will Writing Platform)

• Similarities: Offers online will writing, mirror wills, and LPAs. Focuses on convenience and affordability.
• Differences: Beyond Will often offers a more straightforward, tiered pricing model for its wills, without a “free basic will” for specific groups. It generally has a broader market appeal, not specifically targeting union members. Its approach to complex wills might be more clearly signposted as requiring a premium service or referral. Review for specific ethical considerations would still be necessary.
• Ethical Standpoint: While aiming for user-friendliness, it would still require due diligence on how it handles sensitive clauses or Islamic inheritance specifics, which often demand more than generic templates.

2. Farewill (Online Will Writing and Probate Service)

• Similarities: A prominent online player offering wills, probate, and funeral plans. Known for its user-friendly interface and relatively low cost.
• Differences: Farewill often prides itself on a very intuitive user journey and has received significant investment. It also offers a range of packages beyond just will writing, such as probate support which can be very comprehensive. While it’s highly popular, its direct offering for “Islamic Wills” might not be as explicit or deeply integrated as a specialist Islamic legal service. Farewill’s pricing structure is often transparent and fixed for specific will types.
• Ethical Standpoint: Focuses on general UK legal compliance. For Islamic wills, users would need to ensure the final document accurately reflects Fara’id, potentially requiring external verification.

3. Legacy (Will Writing and Estate Planning App/Platform)

• Similarities: Digital-first approach to estate planning, including wills and digital asset management. Aims to make the process modern and accessible.
• Differences: Legacy often incorporates digital asset management features (e.g., passwords, online accounts) more prominently. It might target a younger, tech-savvy demographic. Pricing could be subscription-based for broader estate management tools. Like other general online platforms, it won’t have inherent Sharia compliance built into its core logic unless specifically designed for it.
• Ethical Standpoint: Users would need to verify how sensitive personal data is managed and if the system allows for the detailed ethical provisions often required in Islamic wills beyond basic beneficiary designation.

4. Specialist Islamic Will Writers/Solicitors (e.g., Islamic Wills UK, Al-Misbah Solicitors)

• Similarities: Both aim to create legally valid wills.
• Differences: This is where the starkest difference lies. Specialist Islamic will writers and solicitors are experts in both UK law and Islamic inheritance law (Fara’id). They offer highly personalised consultations to ensure the will is not only legally sound but also strictly compliant with Sharia principles for asset distribution, charitable giving (Waqf), and guardianship. Their services are typically more expensive due to this specialised expertise but provide ultimate peace of mind for Muslim individuals. They do not typically offer a “free basic will.”
• Ethical Standpoint: Their raison d’être is ethical and Sharia compliance, making them the gold standard for Muslims seeking to fulfil their religious obligations through their will.

5. High Street Solicitors

• Similarities: Both Union-wills.co.uk and high street solicitors provide legal will-writing services.
• Differences: Solicitors offer highly personalised, in-person (or detailed virtual) consultations, deep legal advice, and the ability to handle the most complex of estates, including trusts, inheritance tax planning, and international assets. They are fully regulated by the SRA, offering a robust layer of client protection. Their pricing is generally higher but reflects the depth of service and reduced risk of errors or future disputes.
• Ethical Standpoint: While not inherently focused on Islamic ethics, a good solicitor will work to incorporate any specific ethical or religious instructions provided by the client, though for complex Sharia requirements, a specialist would still be preferable.

Conclusion on Competition

Union-wills.co.uk fits into the niche of convenient, online will writing, appealing to those seeking a relatively quick and affordable solution, particularly union members. Its main competitive edge lies in this specific market targeting and the “free basic will” offer. However, for users with complex circumstances, specific ethical or religious requirements (like a truly Sharia-compliant will), or those who prefer in-depth personalised legal advice and the highest level of consumer protection, dedicated Islamic will specialists or traditional high street solicitors remain superior alternatives. The choice depends on balancing cost, convenience, and the absolute necessity for precision and ethical adherence in your estate planning.

FAQ

What is Union-wills.co.uk?

Union-wills.co.uk is an online platform based in the UK that provides services for drafting wills, mirror wills, and Lasting Powers of Attorney (LPAs). It primarily targets union members, offering a “free basic will” to this group, alongside other paid services for more complex needs. Caravancoffeeroasters.co.uk Review

Is Union-wills.co.uk legitimate?

Based on the website’s content and its presence on Trustpilot, Union-wills.co.uk appears to be a legitimate online service provider. However, legitimacy in providing legal services online always requires users to assess the depth of expertise and regulation behind the platform for their specific needs.

Who is eligible for the free basic will on Union-wills.co.uk?

The “free basic Will” on Union-wills.co.uk is stated to be exclusive to union members. However, the website notes that a “free basic Will may not be suitable for everyone,” and additional fees apply for mirror wills or complex wills.

What services does Union-wills.co.uk offer?

Union-wills.co.uk offers online will writing services, mirror wills for couples, assistance with setting up Lasting Powers of Attorney (LPAs), guidance on choosing executors and guardians, secure will storage, and general advice through their guides, including one on Islamic Wills.

Does Union-wills.co.uk offer Islamic Wills?

Yes, Union-wills.co.uk mentions an “Islamic Wills” guide on its website, indicating an awareness of the specific needs of the Muslim population regarding inheritance. However, the extent to which their online tool fully facilitates complex Sharia-compliant will drafting without direct, specialised legal consultation would require further investigation.

Is Union-wills.co.uk suitable for complex estates?

According to its own disclaimer, Union-wills.co.uk states that “Complex Wills (involving specific financial transactions or Trusts for example), will require further advice from our team and additional OPTIONAL fees will apply.” This suggests that for complex estates, their basic online service may not be sufficient, and users might need to pay more or seek alternative solutions. Angelareed.co.uk Review

How much does a will cost on Union-wills.co.uk?

While a “free basic will” is offered to union members, the cost for other services, such as mirror wills or complex wills, is not detailed on the homepage but can be found on their “View our pricing” page. These typically involve additional optional fees.

What is a Lasting Power of Attorney (LPA) and does Union-wills.co.uk help with it?

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint someone to make decisions on your behalf if you lose mental capacity. Union-wills.co.uk does offer services to help you set up an LPA, covering both property and financial affairs, and health and welfare.

How do I contact Union-wills.co.uk customer support?

The website usually provides contact information such as a phone number, email address, or an online contact form, typically found on their “Contact Us” page or in the footer of the website.

Can I cancel my Union-wills.co.uk service or free trial?

If Union-wills.co.uk operates on a subscription model or offers a time-limited free trial that converts to a paid service, cancellation typically involves logging into your account settings and following the prompts there. For their “free basic will,” if it doesn’t involve recurring payments, there might be no specific cancellation process beyond not opting for paid upgrades.

What happens if I die without a will in the UK?

If you die without a valid will in the UK, your estate will be distributed according to the rules of intestacy, which are a set of legal rules that determine who inherits what. This means your personal preferences, beliefs, or specific wishes may not be considered. Drainfast.co.uk Review

Is Union-wills.co.uk regulated by the SRA (Solicitors Regulation Authority)?

As an online will writing service that may not be a traditional law firm, it’s unlikely that Union-wills.co.uk is directly regulated by the Solicitors Regulation Authority (SRA). Users should check if they are regulated by other industry bodies like the Society of Will Writers or the Institute of Professional Willwriters.

How does Union-wills.co.uk ensure my will is secure?

Union-wills.co.uk states that it offers services for “Storing your will securely.” This typically involves keeping the physical document in a secure, fireproof location, ensuring it’s protected from damage, loss, or tampering.

What is a Mirror Will and how does Union-wills.co.uk handle it?

A Mirror Will is essentially two identical wills made by a couple, where each leaves their estate to the other in the first instance, and then to the same named beneficiaries (e.g., children) if the other partner has passed away. Union-wills.co.uk offers a service for creating Mirror Wills.

Does Union-wills.co.uk provide face-to-face consultations?

Based on its description as an “online services” provider, it’s highly probable that Union-wills.co.uk primarily conducts its services and advice remotely (e.g., online or by phone), rather than through face-to-face consultations.

What happens after I create my will on Union-wills.co.uk?

After you create your will online with Union-wills.co.uk, you will typically need to print it, sign it in the presence of two independent witnesses (who also sign), and then store it securely. Union-wills.co.uk may offer secure storage as an optional service. Wewanttosayyes.co.uk Review

Are there any geographical limitations for Union-wills.co.uk services?

Yes, Union-wills.co.uk explicitly states that its service is “currently available in England & Wales.” This means it may not be suitable for residents of Scotland, Northern Ireland, or other countries.

How quickly can I get a will drafted using Union-wills.co.uk?

Online will writing services are generally designed for efficiency, allowing users to draft a basic will relatively quickly, often within an hour, once all personal and asset information is gathered. The actual speed depends on the user’s readiness and the complexity of their will.

Does Union-wills.co.uk help with appointing guardians for children?

Yes, Union-wills.co.uk lists “Appointing guardians in a Will” as one of the services its team of advisors can assist with, which is a crucial aspect for parents with minor children.

Why is it important to make a will, according to Union-wills.co.uk?

Union-wills.co.uk emphasises that making an accurate will provides peace of mind, ensures your family will be financially protected, your possessions will be safe, and your final wishes are carried out, thereby avoiding potential disputes among relatives.

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