What Happens If I Die Without a Will?

Writing a will isn’t exactly at the top of most people’s to-do list. It can feel a bit morbid, a bit distant, and a bit “I’ll get round to it one day.” But if you don’t have a will, the law decides what happens to your money, your home, and your belongings. And that might not be what you’d want.

According to JMW Solicitors’ research, nearly 60% of people haven’t made a will, even though most understand how important it is.

So, what actually happens if you die without a will?

Your Estate Doesn’t Automatically Go to Your Loved Ones

Many people assume their partner or children will automatically inherit everything. But that’s not always the case. If you die without a will (known as dying “intestate”), your estate is divided according to strict legal rules. These rules don’t take into account who you’re closest to, who needs support, or what your wishes might have been.

For example:

• If you’re not married or in a civil partnership, your partner may not inherit anything, even if you’ve lived together for years.
• If you have children from a previous relationship, they might not be provided for in the way you’d hoped.
• If you don’t have close family, your estate could end up going to distant relatives or even the government.

It Can Cause Stress and Conflict

Losing someone is hard enough. But when there’s no will, it can lead to confusion, delays, and disagreements between family members. Sorting out who gets what can take months (sometimes years), and it can put a real strain on relationships.

A will gives clarity. It’s your voice when you’re not there to speak. And it can make a difficult time just that little bit easier for the people you care about.

It’s Not Just About Money

Your will isn’t just about dividing up your savings or property. It’s also where you can:

• Name guardians for your children
• Make sure sentimental items go to the right people
• Leave gifts to charities or causes close to your heart
• Set out your funeral wishes

It’s your chance to make sure everything is handled the way you’d want.

It’s Easier Than You Think

At MCB, we believe financial planning should be simple, straightforward, and stress-free. We are here to guide you through the process, answer your questions, and help you put a plan in place that gives you and your loved ones peace of mind.

Whether you’re just starting to think about it or ready to get things sorted, we’re here to help. Get in touch today because planning for tomorrow starts now.