Wills & Trusts

Will writing and trusts are not regulated by the Financial Conduct Authority. Will writing is not part of the Instrinsic offering and is offered in our own right. Quilter Financial Services accept no responsibility for this aspect of our business.


Trusts are not regulated by the Financial Conduct Authority.


Unless protection policies are written in trust, the proceeds paid out upon your death during the policy term could be subject to inheritance tax at up to 40%. There will also be a delay in the money being paid out. At Hays, we ensure that where appropriate all plans are written in trust. This way, not only are the proceeds paid out without delay, but to the right people chosen by you (and agreed by the trustees) at outset.


If you die intestate (without leaving a valid Will), your estate is distributed in accordance with the rules of intestacy. Obtaining a grant of letters of administration is likely to delay the commencement of the administration of the estate since the administrators cannot begin to excercise any of their powers until they have obtained the grant (unlike the executors who derive their power from the Will). The order of priority of persons who can apply for the grant of letters of administration is the same as the persons entitled beneficially (under the intestacy provisions). Potentially, if there are two or more people equally entitled it might take a little longer. It can sometimes take years to administer an estate even where a valid Will was in place, so although probate may be obtained quicker it does not automatically follow that the estate will be distributed quicker.


A valid Will does ensure that your estate is administered in accordance with your wishes as expressed in the Will.


We can refer you to a local specialist firm who will be able to help you further with your Will.


Hays Financial Centre Ltd is an appointed representative of Quilter Financial Services  Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (https://register.fca.org.uk/s/) under reference 440703 and 440718.


Hays Financial Centre Ltd. Registered office: 325 Baring Road, London SE12 0DZ

Hays Financial Centre Ltd is registered in England and Wales 6810896


The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.


Contact Us:

325 Baring Road 


SE12 0DZ

020 88572059



Or use our contact form.

By clicking on one of these links you are departing from the regulatory site of Hays Financial Centre Limited. Neither Hays Financial Centre nor Quilter Financial Planning Ltd is responsible for the accuracy of the information contained within the linked site.

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