Do I need a will?

[LML83]

I live with Dh and our 2 children. We are married so my understanding is spouse inherits everything (and that is what we would want).

If both of us died should I have something in place? My sister would have the children and nobody would contest it (his family are lovely kind people and aware my sister is closest to the kids. My sister would recognise the importance of a relationship with his family too)

So...if I trust everyone would behave (they really would) do I need a will?

Will it take longer for sister to access inheritance for the children? Is there a chance they wouldn't immediately go to family if no will in place?

Had an insurance salesman tell me there is a chance state would take children until all processed. Rational thinking tells me this is not true, it is difficult to find foster parent when there is a need. Why would they take mine away from loving aunt and uncle. But the other part of me is thinking maybe there are other reasons I should have this formalised?

We are in Scotland if it makes a difference. Thanks.

Short answer yes, and if you do a mirror will with your Dh it shouldn't cost much.

Long answer, if you don't then while your Dh would inherit it'll be much more hassle to sort out, also he only inherits the first X thousand and the rest goes to kids. It's a pain nobody would need in that situation...

Oh and if you both die then much better to have will and wishes in place.

There's a mumsnetter who does wills but I don't know if that's only English.

www.harpermacleod.co.uk/hm-insights/2016/may/what-happens-in-scotland-if-you-die-without-a-will/

I think that's the key point I think 'it's a pain nobody needs'
Makes sense just to do it to prevent any difficulties. Thanks.

Get in touch with @mumblechum0 on here - (hopefully she'll see this) - she did my Will and it was about £125 (I think) and went through very quickly. Lots of good advice, useful phone call, everything in writing and then you're sorted.