The recent tragic death of singer Liam Payne has brought the issue of dying without a Will to the headlines.

Liam, known worldwide as a member of the pop group One Direction, reportedly passed away without having made a  Will, or otherwise known as ‘dying intestate’…

When someone dies intestate, it means they haven’t made a Will and their estate (including property and money) is distributed according to law, rather than according to their personal wishes.

Around 56% of adults in the UK don’t have a Will, according to the latest stats from the Money & Pensions Service.

In England and Wales, the intestacy rules dictate who inherits based on a set hierarchy of relatives. The current intestacy laws do not take into account the nuances of modern family life, such as blended families.

For example, stepchildren, cohabiting partners and close friends aren’t automatically recognised unless specifically named in the Will.

In Liam Payne’s case, his estate will likely pass to his son Bear. But, without a Will, the process becomes far more complicated and can result in long delays and costly legal fees. The situation may also cause additional stress for his grieving loved ones.

Liam Payne’s situation is an example of the uncertainty that can arise when no Will is in place.

Some of the risks of not making a Will can include:

• Unintended beneficiaries: Assets may pass to estranged or distant relatives instead of those the individual would have chosen to support.
• Family disputes: The lack of clarity can cause tension or disputes among surviving family members.
• Costly: Estate administration can become more expensive and could potentially involve Court fees.
• Delays in distribution: Funds may be tied up for months or even years while the estate is resolved.

Liam Payne’s death at just 30 years old challenges the misconception that estate planning is only something to be considered later in life.

Regardless of age, anyone with assets, from bank accounts and property to digital assets such as cryptocurrency or social media logins, should seriously consider creating a Will.

A Will allows you to:

• Choose trusted executors
• Appoint guardians for children
• Appoint an individual to take care of your pets
• Specify funeral wishes
• Distribute assets to chosen individuals

Liam Payne’s passing serves as a powerful reminder of the importance of preparing for the unexpected.

Drafting a Will is one of the most caring and responsible decisions anyone can make and ensures that loved ones are provided for and that their legacy is handled with dignity.

For those currently dealing with a loved one’s estate, seeking legal advice early is always a good idea.

Don’t leave your legacy to chance. Make a Will and keep it updated.