Estate planning is one of the most important steps you can take to protect your family and ensure your assets are distributed according to your wishes. Yet many people delay writing a will because they believe it’s complicated, expensive, or requires specialist legal advice. Today, there are two affordable options available for those who want to take control of their future: a will kit and online templates.
Both choices have their advantages and limitations https://yourwillandtestament.com/products/legal-will-kit. This guide will help you understand how they work, what makes them different, and which option might suit your needs best.
Why Writing a Will Is Essential
Before diving into the comparison, it’s worth highlighting why a will is so important. Without one, your estate will be distributed according to intestacy laws, which may not reflect your true wishes.
Benefits of having a will:
- Clarity of inheritance – Ensures your assets go to the right people.
- Guardianship decisions – Lets you appoint guardians for your children.
- Conflict prevention – Minimises disputes among family members.
- Simplified probate – Speeds up the estate settlement process.
What Is a Will Kit?
A will kit is a do-it-yourself package designed to help individuals draft their wills without hiring a solicitor. It usually includes:
- Step-by-step instructions in plain English.
- Templates for writing a valid will.
- Guidance on signing and witnessing requirements.
This option is particularly popular among people with straightforward estates and modest assets.
What Are Online Templates?
Online templates are digital tools that allow you to create a will directly from your computer or mobile device. Many platforms guide you through a questionnaire and then generate a draft will based on your answers.
Key features include:
- Customisable templates tailored to your situation.
- Easy editing and saving options.
- Instant access and delivery.
This method appeals to people who prefer convenience and digital accessibility.
Benefits of Using a Will Kit
A will kit provides several advantages for those who want a hands-on approach.
- Affordable – Typically less expensive than legal services.
- Accessible – Available in physical form at post offices or retailers.
- User-friendly – Written instructions make it simple for beginners.
- Legally valid – As long as it’s signed and witnessed correctly, it has full legal standing.
Benefits of Online Templates
Online templates also come with notable advantages:
- Speed and convenience – Create a will from the comfort of your home.
- Customisation – Digital platforms allow you to update and edit easily.
- Guided process – Questionnaires help you think about details you may overlook.
- Instant results – You receive your document immediately.
Limitations of a Will Kit
While practical, a will kit may not be suitable for every situation.
- Limited flexibility – Templates may not cover complex family arrangements.
- Risk of errors – Mistakes in wording or incomplete details can cause disputes.
- No legal advice – Unlike a solicitor, it cannot provide tailored guidance.
Limitations of Online Templates
Online options also come with drawbacks:
- Dependence on accuracy – Errors in your answers can create issues.
- Technology barriers – Not ideal for those uncomfortable with digital platforms.
- Generic approach – May not fully address unusual circumstances.
Will Kit vs Online Templates: Key Comparisons
Here’s how the two options stack up against each other:
| Feature | Will Kit | Online Templates |
| Cost | Low, one-time purchase | Often subscription-based or one-off fee |
| Accessibility | Available in physical form | Accessible online instantly |
| Ease of Use | Straightforward, manual process | Guided digital process |
| Flexibility | Limited for complex estates | Easier to update and edit |
| Legal Validity | Valid if signed correctly | Valid if printed, signed, and witnessed properly |
Which Option Should You Choose?
Your choice depends on your personal situation and comfort level:
- Choose a will kit if:
- You prefer a physical document.
- Your estate is simple and straightforward.
- You want a low-cost, one-time solution.
- You prefer a physical document.
- Choose online templates if:
- You’re comfortable with digital platforms.
- You want to update or revise your will easily.
- You prefer the convenience of working online.
- You’re comfortable with digital platforms.
Mistakes to Avoid with Both Options
Regardless of the method you choose, certain errors can make your will invalid:
- Using beneficiaries as witnesses.
- Leaving vague or unclear instructions.
- Forgetting to update after major life events.
- Failing to properly sign and date the document.
When to Seek Professional Advice
Both kits and online templates are great for simple estates, but professional help may be needed if:
- You own property abroad.
- You run a business or hold complex investments.
- Your estate exceeds inheritance tax thresholds.
- You want to set up trusts for dependents.
Keeping Your Will Updated
A will should grow and change with your life circumstances. Review and update it when:
- You marry, divorce, or enter a civil partnership.
- You have children or grandchildren.
- You purchase significant property or assets.
- Your relationships with beneficiaries change.
Final Thoughts
Both a will kit and online templates provide affordable, accessible ways to write a valid will without relying on expensive legal services. The right choice depends on your preferences and the complexity of your estate.
- A kit offers simplicity and a hands-on approach.
- Online templates provide convenience and flexibility.
Whichever method you choose, the most important step is to take action now. Writing your will today ensures your wishes are respected, your family is protected, and your legacy is preserved.