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Your forties can really be a time of change. Hopefully, your career is on track; you might be moving to your forever home, be married or in a long term relationship and you might even have a child or two. It might equally mark the end of a long relationship, divorce, re-marriage, a second family or the loss of your parents. I guess that it’s true for every stage in our lives, but for me there was something about turning 40 that felt very different to being 39.

More than 60% of all adults in the UK haven’t made a will. With this in mind, adults in their forties have a lot to lose by not having a Will, especially if anything in the above paragraph applies to you. If you have already made a Will give yourself a pat on the back. However, consider how long ago it was made. If things have changed in your life since it was written, it will need updating.

If you’ve reached your forties and not made a Will yet, here are the top 3 reasons to do so.

1. Having a Will in place removes unnecessary stress

Let’s be honest, Wills aren’t all about you, they are mainly about your family and your loved ones. A Will makes the job of dealing with your things much easier and family often find it incredibly helpful and reassuring to know that they can have a part in honouring what you wanted whilst knowing that you thought of them. A Will can be particularly important if you have children, especially if they are from a previous relationship, or if you are going through a divorce or separation. A Will allows you to protect your family financially as well as appointing the guardian for your children in the event of your death. Without a Will, who do you think will decide what is best for your child?

2. Planning in advance can save you a fortune

You could save thousands in taxes and expenses by making a Will. Depending on the value of your estate you could have to pay thousands in inheritance tax, solicitor fees and even – in the long term – care home charges. You also get to make sure that your money and possessions go to the people that you want. Whilst without a Will, who do you think will decide for you?

3. Cohabiting couples without a Will have no rights under the Intestacy rules

According to the Office for National Statistics, cohabiting couples are the fastest growing family type in the UK. What many people don’t realise is that if you are part of a cohabiting couple, and have not made a Will, you have no rights under the Intestacy Rules, no matter how long you have been in a relationship.

The rules of intestacy can be harsh and often don’t allow for modern family relationships. Therefore, if you are part of a cohabiting couple family, it is especially important that you and your partner make a Will to ensure that what you own, including your house, goes to who you choose. Without a Will who owns your home (and everything in it) if you or your partner dies?

Specialist advice on all Wills & Probate work

You probably already know what you would like to do with your things and who you want to care for your children if you should die before they are 18. For many, making a will is just one of those things you keep putting off. However, it can take as little as 15 minutes and then you can sit back and relax knowing that it is one less important thing to worry about.

To talk about making a Will, updating a Will or a Lasting Power of Attorney feel free to contact me through LinkedIn, on 01455 639900 or by e-mail at

Alternatively, we have three main offices across Leicestershire. Feel free to pop in and see us at your local office.