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Original poster

I've written a will today, what if DC don't survive us?

42 replies

FinnyStory · 05/08/2020 17:50

Straightforward mirror wills , everything to DH, then to DC.

DC are young adults, still living at home with no offspring. Obviously that can change but atm, the prospect of us all dying together in a road accident, say, and there being no further offspring doesn't seem that remote.

I've made a decision and won't change it now but what have you done for that eventuality? DH and I both have living parents and one sister, each with children.

No cousins or anything that I would recognise if I saw them in the street.

DH is NC with his parents and sister. My parents are wealthy have no need for anything extra. My sister is comfortable and has very wealthy in laws (far more so than my parents) so her and her DC already stand to do very well. It's not that I want to write them out, it's that leaving them more seems unecessary.

So it's a charity, although of course we're taking about an eventuality that we all hope will never happen.

What have you provided for if your DC do not survive you?

OP posts:
Margo34 · 05/08/2020 17:52

Nieces and nephews in equal shares.

LockdownDowner · 05/08/2020 17:55

We have made no provision in our wills for the eventuality of all four of us dying together...........It's not something I had even given any thought to!

Coniferhedge · 05/08/2020 17:59

Same as Margo - nieces and nephews get it in equal shares.

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Families
Original poster
FinnyStory · 05/08/2020 18:00

So it would go to your parents, or if they dont survive you your siblings.

OP posts:
Horsemad · 05/08/2020 18:03

What if you pre decease your DH and he remarries - is there provision for your DC to inherit your share?

Quite often we read on here about where a bereaved DH has inherited, then remarried and the step mother/her DC have ended up inheriting the house/money etc after his death.

Whatsnewpussyhat · 05/08/2020 18:03

This reply has been deleted

Message withdrawn at poster's request.

Dozer · 05/08/2020 18:05

Siblings in equal shares, or nieces/nephews in equal shares. One sibling having wealthy in laws wouldn’t be a factor for me.

Not charity, apart from perhaps a few k!

Original poster
FinnyStory · 05/08/2020 18:09

No, we spent a lot of time deliberating a lifetime trust but there are downsides as well as upsides. However we are both clear on what we need to do before remarrying to protect our children, I'll have to trust him on that.

OP posts:
Mintjulia · 05/08/2020 18:10

In the event that partner & children do not survive me by 30 days, money to be split equally between sisters.

ScarletZebra · 05/08/2020 18:16

Our Will was either free or minimal cost, so the Solicitor wouldn't go into the complicated ins and outs and what ifs.

On the first death everything goes to the survivor and if we both die together it is split exactly 5 ways between the 5 DC.

We did have to put in a couple of conditions because DC5 is much younger than the others so we needed to ensure that they couldn't force her out of her home to get their share (not that I think they would, but Death brings out the worst in people), so none of them can inherit until she is 18. The elder 2 are named Guardians but they are aware that their role is to ensure she is looked after, not necessarily look after her themselves.

As 4 of them are adults and live in different places, the likelihood of none of them surviving us is remote. Presumably their share is split between the others/ redirected to their children, if they had them?

caringcarer · 05/08/2020 18:22

DH to inherit our home and 3 joint BTL. I own 3 on my own to go one each to my children
DH does not have kids of his own but has been an outstanding step dad. He says my children will inherit all his estate after he does. If all die £100k to youngest sister £100k split between 2 dgs and rest split between 17 nephew's and nieces. 14 on my side and 3 on his. Jewelry split between my 4 sisters. My other sisters are all comfortable. Younger sister not so.

Waxonwaxoff0 · 05/08/2020 18:43

No idea who I would leave my assets to if I outlived DS. I'm single, no siblings. I suppose my mum on the off chance that she outlives me.

feliciabirthgiver · 05/08/2020 18:44

Split equally between my brother and his sister. It's a sobering thought for a few days after completing your wills I know how you feel.

brakethree · 05/08/2020 18:47

If we all go together then money goes to our siblings. Our money is going to our children actually and not each other personally OP I would put something in re what happens when one of you dies. It's easy to say 'I'll have to trust him' but it isn't about that really. He, or you, may enter a new relationship and marry and completely forget to do anything about wills, in that instance everything goes to the spouse and nothing to your children.

Iwalkinmyclothing · 05/08/2020 18:50

I've made a decision and won't change it now but what have you done for that eventuality?

My brother and his children. DH is estranged from most of his family so I don't think he'd want to leave anything to them; if he did, then I suppose it would be half to each side. If we had anything to leave that is!

megletthesecond · 05/08/2020 18:53

I must update mine.
I hope I said it all goes to my sister but I need to add my niece now.

imissthesouth · 05/08/2020 22:51

I never really accounted for us all being killed in a road accident, but we frequently travel together to/from school etc daily. It's more of a possibility than I'd of through driving down windy and narrow country roads😳I guess in that eventuality it would be my DPs or sibling.

FrenchFancie · 06/08/2020 05:43

It’s to charity in our wills - we each chose a charity and its split 50/50 between them.
Uk charities need the cash more than my very well off brother, or his very odd and nearly NC sister.

I used to work as a legacy officer for a charity and if the worst were to happen I like to think of the good I know our money would do.

TheListeners · 06/08/2020 06:56

We've left it split half to my siblings and half to DH's parents if still alive or his cousins if not. DH is an only child. I can't imagine leaving it to charity when I could potentially help family. You never know what is on the horizon for anyone and the money might be needed.

Trumpspeach · 06/08/2020 06:58

Goes to charity.

VictoriaBun · 06/08/2020 07:03

In my will it goes to my daughter or in the event of her not being alive, her existing children. It is wrote like that because they could end up having more children / or even no children so far. If we were all dead then I couldn't give a damn where it went.

Judashascomeintosomemoney · 06/08/2020 07:09

All ours would go to our brothers and sisters equally, regardless of wealth situation and regardless of the fact I’m very low contact with two of mine (not their fault, hangover from abusive mother). I feel this is the fairest way and the way that would cause least fallout or upheaval or bad feeling after we’re gone.

SydneyCarton · 06/08/2020 07:12

I remember reading about an elderly couple, second marriage for both of them and each with a daughter from the first marriage. They were found dead in their home (from natural causes) and hadn’t updated their wills since marrying. Legally it was ruled that as the older of the two, the husband had died first and everything he has passed to his wife, then she died and everything passed to her daughter. The husband’s daughter ended up with nothing.

DinosApple · 06/08/2020 07:16

Ours are mirror wills, then to DC. They are quite simple affairs, but I can't remember the what if we all die outcome. Probably split between DBIL and my DPs and DB. There are no nieces and nephews.

May have to change it though as there's a couple of godchildren I have now.

kitschplease · 06/08/2020 07:17

Split between DH's sibling and my parents (because I'm LC with my siblings).

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