Another future inheritance one!

[MrsHarveySpecterV]

Posting on behalf of DH. He has a close relative who is terminally ill and never had children of her own, she classes DH and his siblings as her children. DH is the only one of his siblings who has children. She has told us that in her will she has left a large sum of money (she hasn't specified how much but from what she has said I guess around £100,000) split one third to each of DH's siblings and the other third split between our 2 children to be kept in trust until they are 18. I am currently pregnant with DC3 and all being well we are considering a fourth. She has said that if she doesn't survive to see our 3rd DC (and any future) she would hope that DCs 1&2 would split their money equally with their siblings once they have access to the funds. However our children are both preschool at the moment so we have no way of knowing if they would do this at 18 and their would be no legal requirement for them to do so. WDHBU to suggest that she leaves it to him with a stipulation that it is for the children at 18? Once we have had our last DC we could then put equal amounts in trust for each of them. Although it is such a sad time she is being very practical and is discussing her will with close relatives. Fully prepared to be told it's nothing to do with us! WWYD?

Simple solution - save up the £16k each for your 3rd and future 4th child? I.e. you make up the difference?

Common sense no?

You have 18 years to do is after all.............

From the initial post, I was going to suggest that maybe her logic was to leave it to the children she has already met, so an intentional choice to name only the existing children. But your additional information about some sums for future children of other siblings contradicts this.

In any case, any solicitor with half a brain will have raised the issue of possible future children with her - even if unlikely "the fertile octogenarian" and "the precocious toddler" are concepts debated in family law and wills. You need to see the exact wording of the will.

In any case, even if it is left only to child 1 and 2, you can aim to save up yourself to balance it out, or explain it is because the aunt had met these children and she knew them.