Don’t leave a mess behind.

Die tidy thanks to our FREE Wills.

Life cover leaves your loved ones financially secure, and a well-written Will
makes sure your assets go straight to your nearest and dearest.

That’s why, when you buy our life cover, you get free access to our Premium Will writing service.
In fact, we’ll give you a Free Will even if you don’t buy our life cover. How cool is that?

Why make a Will?

It’s your money, you should decide who gets it.

7 reasons why a Will is well worth writing.

1
Naming your children’s guardian.

If you have children under 18, your Will needs to clarify their legal guardian in the event both parents die. If you don’t, the decision could be left to the courts.

2
Protecting stepchildren.

If there’s no Will, only spouses or blood relatives can automatically inherit. So, a Will is vital if you want to protect the interests of stepchildren or foster children.

3
Protecting the family home.

If your home is solely in your name and you and your partner are unmarried, they’re not automatically in line to inherit the house if you die without a Will.

4
Reducing family disputes

Where there’s a Will there’s a family, and they don’t always see eye to eye. By documenting your final wishes in a Will, there can be no arguments about who gets what.

5
Making sure inheritance is spent wisely.

After your death, your children could inherit a lot of money so you may want to consider setting up a trust to ensure it can only be spent wisely.

6
Protecting unmarried partners.

Without a Will, unmarried partners are not legally entitled to anything from their partner’s estate, no matter how long they’ve been together.

7
Inheritance tax planning.

A carefully considered Will can mitigate this risk and makes sure your family is the biggest beneficiary of your estate rather than the tax man.

our wills

Help yourself to a Will.

It’s a FREE for all.

You don’t need to buy our life insurance to get a free Will, but if you do, you’ll get
access to our Premium Will writing service at no additional cost.

Free Will

Create your Free Will online.

We’ll then review it and save it for
you in your Bequest online account.

You’ll then need to print it, sign it
and keep it safe.

£0.00

Will Plus

Create your Will Plus online.

We’ll then review it, print and bind
it, and deliver it straight to your
door for you to sign and keep safe.

£39.00

FREE with life cover
Premium Will

Create your Premium Will online.

We’ll then review it, print and bind
it, and deliver it to you for signing.

Once signed, our solicitors store it
and upload it to the National Will
Registry for safekeeping.

£49.00

FREE with life cover
Free Premium Will

You’ll need to spend a minimum of £9 a month on our life Insurance to receive a Free Premium Will. Once your policy is in place, we’ll email you a code so you can claim your Free Premium Will online.

Subscribe and keep your Will up to date

We fall in love, fall out of love, and often end up with more children to love.
That’s why your Will needs to keep pace with your life.

So, for just £9 a year, you can subscribe to our Will writing service and we’ll
change your Will up to 3 times a year.

Why choose our wills

Hand checked by handpicked experts.

We cross the t’s and dot the i’s.

We don’t just send you a ‘free Will writing kit’ and leave you to it.
We guide you through the process online and every Will is checked
by an expert – even the free ones.

Written and checked

We’ll make sure your wishes are
recorded correctly and made legal.

Use of trusts

We’ll make use of trusts to
mitigate inheritance tax bills.

Nothing left to chance

We’ll let you know if we require
any further information.

All our Wills are written and checked by JP Estate Planning, an award-winning,
UK-based, professional Will writer and estate planner.

What our customers say

Apparently, we’re excellent.

According to Trustpilot.

Trustpilot

Getting my life insurance policy with Bequest was a super slick and easy process that gave us complete 
peace of mind!

Liam Nolan

The interface is slick, modern, and easy to understand – unlike many of the other services out there! Would highly recommend them.

Jonathan Jongkind

Fantastic experience. I’d put off writing a will for years thinking it would be a long and complicated task. Instead with Bequest, it was easy.

Lisa Savage

Frequently asked questions

FAQs answered PDQ.

Select a question and all will be revealed.

Now. Death is unpredictable. You could die today or tomorrow. Having life insurance in place means your family are financially protected if the unexpected happens.

But that’s not the only reason. Life insurance gets more expensive the older you are. So, to get the best price, buy it now.

For example, £200,000 of cover until age 65 costs around £15 a month if you’re a 30-year-old non-smoker. It can be almost 3 times that amount when you’re 50.

We can’t tell you exactly how much you need – we’re all different. But you should consider choosing enough cover for ongoing living expenses, such as any outstanding mortgage, or a good few years in rent, and the monthly bills. Plus, any debts or loans you have, and don’t forget funeral costs.

You choose how long you want your policy to remain in place, anything from 5-40 years.

Most people choose to be covered until age 65, as that’s when they expect to retire. However, you can choose any age up to age 90, as long as you start the policy before your 65th birthday.

Level term is the most popular option. The amount of cover never changes. So, if you choose £200,000 of life insurance and you die in 10 years, we pay your family £200,000.

Decreasing term is designed to cover a mortgage. The payout amount decreases each month in line with your mortgage. The amount the cover goes down is equivalent to an annual interest rate of 8%. So, although the monthly cost you pay stays the same, decreasing cover is cheaper than level cover.

There are 2 options. You can either choose a joint life policy or 2 single life policies.

Although joint life policies tend to be a bit cheaper, they only pay out once. So, if one of you claims, the other is left with no life insurance in place.

The other option is for both partners to take out separate life insurance policies. That way if one of you dies your partner’s cover remains in place. Or if the relationship breaks down, you can both walk away with your policies intact. Separating a joint life policy isn’t always that easy.

We may be a new name in life insurance but we’re backed by some of the biggest names in the industry, so you can have complete trust in Bequest and our policies.

GenRe is one of the world’s leading reinsurers. They reinsure your policy so you can be confident we are always able to pay a claim.

Covéa is our underwriter. They have around 650,000 life and protection policies under administration in the UK.

Just call us on 020 3916 5433 and we’ll take it from there.

Check out our claims page for what to expect.

Life insurance is quite simple. If you die, we pay your claim. As long as you answered all the questions on your application honestly, you can sit back and relax safe in the knowledge you’re fully protected.

We know you were thinking it.

If Bequest were to close our doors, your policy is completely safe. Covéa, our partner, looks after the running of your policy today. So, they’d continue to do that if we were no longer around.

But we’re going nowhere.

We offer 3 Will options: Free Will, Will Plus, Premium Will.

Free Will is completely free. You don’t need to buy our life insurance to write a Free Will with us. But, if you do buy life insurance, we’ll give you our Premium Will completely free too.

Check out our Wills page for all the details.

Absolutely.

All our Wills are written and checked by JP Estate Planning, an award-winning, UK-based, professional Will writer and estate planner.

So, what are you waiting for? Write your Will now.

There are lots of reasons why writing a Will is so important – such as naming your children’s guardians, protecting stepchildren, protecting the family home and making sure your inheritance is spent wisely.

Read our 6 reasons why a Will is well worth writing.