Cremation Jewellery

There are a number of companies that can turn the ashes of a loved one into stunning bespoke jewellery.

Cremation jewellery, ashes to jewellery, remembrance jewellery and memorial jewellery are some of the terms used by specialist creative workshops that create treasured handmade memorial jewellery from just a spoonful of cremation ashes.

Memorial Jewellery
Memorial Jewellery

This unique jewellery can serve as an eternal memory, enabling those left behind to keep their loved one close to them. Pieces are custom made and the range includes bracelets, charms, cufflinks, earrings, pendants, rings and bespoke jewellery items.

Cremation jewellery aka memorial jewellery can be a wonderful way to feel close to a loved one again, and it can be comforting for those left behind to be able to have a beautiful piece of jewellery as a wonderful memento that they can take with them wherever they go.

Memorial Pendant

There is a wide range of cremation jewellery that can be chosen and all are by their very nature unique. All of the cremation jewellery is specially designed and gives people the chance to enclose their loved one’s ashes into jewellery which they can keep with them forever. Ashes based jewellery instantly becomes an heirloom that can be passed from generation to generation.

Cremation Charm

Cremation jewellery is typically hand-crafted by specialist workshops as the ashes, coloured glass crystals and molten glass are skillfully layered together using a mix of traditional and modern techniques to create unique pieces, each with their own character and style. Multiple layers give the stone dimension and depth, and once cooled, it is expertly cut, polished and toughened before being set to create timeless and beautiful jewellery that can be cherished and passed down through the generations.

Surprisingly these specialists only need a teaspoon sized amount of a loved one’s cremation ashes to make some dramatic, striking jewellery. By incorporating a small amount of cremation ashes into a piece of hand blown or fused glass, these artisans can create jewellery and keepsakes that can be forever treasured.

Remembrance Ring

Some of the artisans who create these unique bespoke cremation jewellery items are:-

The Society of Will Writers

The Society of Will Writers

The Society of Will Writers is a non-profit making self regulatory organisation which promotes to the public the real need in having a valid Will; and serves Will writing practitioners through stringent membership requirements, proficiency standards and on-going training.

The Society of Will Writers was established in 1994 as an independent body representing the professional Will writer and the interests of the consumer. Today, the Society is the largest Will writing trade body and has many members.


Why should you use a Society of Will Writers member?

  • All members hold professional indemnity insurance with a minimum cover of £2 million.
  • All members adhere to a complaints procedure.
  • All members are entitled to technical support to ensure they offer the best service to their clients.
  • All members need to pass a stringent application process, and pass an examination.
  • All members are bound by The Society’s code of conduct.
  • All members continue to train on a yearly basis.

It is important to note that Society of Will Writers members are will writing specialists who deal almost exclusively with one area of law – succession planning; and as such, are best placed to offer specialist advice.

There are many Will writing individuals and Will writing companies, but it is vital to choose one that is competent, professional and has the appropriate expertise and experience. All Society of Will Writers members go through a stringent vetting procedure and continuing training to ensure that they are able to write Wills properly.

The will writing industry is unregulated, so anyone can call themselves a will writer. However only a properly trained professional can ensure that your Will will be correctly drafted. If you are shopping around for a Will, it is something you need to consider, and you should ask yourself why risk your entire estate by having a Will drawn up by anyone other than a trained professional.

Here at Quick Will, we are proud to be full members of the Society of Will Writers and naturally we fully comply with all membership requirements.

Maybe now is the time to call upon this expertise and create a Will knowing you are in safe hands with a full member of the Society of Will Writers.

Over a million people overcharged for Power of Attorneys

Over a million people have been overcharged for registering Power of Attorneys in the last few years.

If you paid to register a Power of Attorney in England or Wales between 1st April 2013 and 31st March 2017, then you are entitled to a refund of up to £54 as you were quite simply overcharged.

There is an application fee to register a Power of Attorney, which is set by the Ministry of Justice and paid to the Office of the Public Guardian. Between 2013 and 2017, the operating costs of the Office of the Public Guardian decreased, but the Power of Attorney application fee stayed the same for four whole years! As the fee is supposed to cover just the operating costs, the Government will now repay the difference between what applicants paid and what they should have paid, plus a small amount of interest; but only if they apply for the refund – the refund will not happen automatically.

The Ministry of Justice has confirmed that 1.7 million applications are affected. It’s not clear exactly how many people are owed a refund, as many people will have registered both types of Power of Attorney, but it is certain that over a million people are affected, and are due a refund, and with the average refund of £40, there is over £40 million waiting to be refunded.

Lasting Power Of Attorney Overcharge Scandal

You can make your own judgement as to the lack of efficiency here, and take your own view on the scandal of over one million people being overcharged, and why they are not being automatically refunded.

A Lasting Power of Attorney (LPA) is a legal document which allows you, while you still have the mental capacity to do so, to nominate a trusted friend or relative to look after your affairs if or when you lose your mental capacity. There are two types of Power of Attorney, one for health and welfare, and one for property and financial affairs. Some people will have registered both types of Power of Attorney and so can thus claim a refund of up to £108.

How much you can reclaim depends on when you paid for the Power of Attorneys which is calculated on a sliding scale for all applications from April 2013 to March 2017.

You can make a claim if you were the person who made the Power of Attorney or you are the person appointed in the LPA; with the refund being paid to the person who made the LPA. You can claim a refund even if the Power of Attorney has been used.

You can claim a refund online via the website, or by phoning the Office of the Public Guardian’s helpline on 0300 456 0300. You don’t need the Power of Attorney document itself, but you will need the person’s name, address, date of birth, bank account number and sort code and the name of one of the people mentioned on the LPA.

Jenny Chase, wills specialist at Quick Will comments “If you did register an LPA during the period April 2013 to March 2017, we would hope that if you used a solicitor, a will writer or another organisation to help you complete the forms (for a fee) that they have been in touch with you to let you know you are entitled to a refund. If they haven’t been in touch, perhaps you should consider whether they have your best interests at heart, and whether you should use them for anything else in the future.”

Either way, do apply for a refund – you are entitled to it.

Step Children And Your Will

Step-Children and Your Will

Jenny Chase, will writer at Quick Will looks at the considerations you need to make for stepchildren when making a will and answers the thorny question will your stepchildren get any of your estate when you die?

English Law states that, for inheritance purposes, the definition of “children” is different from “step-children”. In essence, unless you’ve adopted them, your step-children have no legal right to an inheritance from you; whether you die with or without a Will. So, if you want to leave your step-children any part of your estate at all, you are going to need to name them in your Will.

Step-children are the children of your partner or spouse, that you haven’t adopted. If you have adopted them, they are legally your children, with the same legal connections to you as children born to you, what are known as biological children.

There is no law that requires you to leave any part of your estate to any of your children or step-children and there is no legal tie between you and your step-children. In effect, your legal relationship to your step-children is equivalent to someone with no familial relation. So in terms of Will making, you have no obligation to leave anything to your step-children.

It Is Easy To Exclude Your Step Child

How to Exclude Your Step-Child

You don’t need to do anything to make sure that your step-child gets nothing through your Will. If you don’t use your Will to leave anything to him or her, then he or she will get nothing.

However, be aware that your step-child could end up with some of your estate via your spouse or partner. If you are married or partnered to your step-child’s parent, you will probably leave a large portion of your estate to your spouse or partner. After your death, your spouse or partner inherits your estate and they will then be free to give whatever they want from the proceeds of your estate to any step-child. In this way, your step child could end up with the proceeds from your Will that you leave to your spouse or partner. This scenario also holds true if you’re married and don’t have a Will, as under the laws of intestacy everything that you own will go to your spouse and children and they are then able to give whatever they wish to your step-child.

How To Ensure Your Step-Children Receive An Inheritance

A stepchild will not automatically inherit from your estate unless they have been legally adopted by you. If you wish to pass on money or other assets to them, then you will need to make a Will to do so. Using your Will, you can leave your step-children a percentage of your entire estate, or you can leave specific gifts, like furniture, jewellery, cars, computers and so on.

In addition to your Will, you can also leave gifts to your step-child using a number of other estate planning tools such as a living trust whereby you can name your step-child as a beneficiary of the trust. Additionally, if you have a life insurance policy you can name your step-child as a beneficiary of the policy.

stepchildren and wills
Stepchildren Can Be Left Out Intentionally and Unintentionally

Leaving an Explanation

When families blend together, family relationships can become complicated and strained, especially when it comes to who gets what after someone dies. If possible, talk to each member of your family to explain your plans and your reasoning about the decisions you make in your Will, trust or general estate plan. This is your best chance of creating peace because you will be available to answer any questions they may have.

However, if talking it over is not possible, or just not your style, you can leave a letter to your survivors explaining your decisions. The letter won’t have any legal weight, but it can be a comfort to those you leave behind. In it you can explain why you gave what to whom. Leave your letter with your other estate planning documents.

Inheritance and stepfamilies

If, as is very common, someone dies without making a Will, that person’s assets are distributed according to the laws of intestacy. These are strict rules that require the assets to go to the dead person’s spouse, children, parents, siblings etc.

It is important to understand that the intestacy rules do not cover stepfamilies unless the parent who died had formally adopted the stepchild. If you and your partner are married that means that you can each inherit a certain amount from each other under the intestacy rules, but that does not include your stepchildren. Only a spouse, a blood relative, or an adopted child can inherit automatically from someone who died without leaving a Will.

It is possible to challenge the effect of the intestacy, but again only people within certain categories of relationship to the person who died are entitled to do this.

Can stepchildren challenge a will?

The basic principle in England and Wales is that each individual is free to make a Will that leaves their assets as they choose. Only people within certain categories of relationship to the person who died are entitled to challenge the Will.

If a stepchild was treated as a child of the family by a married step-parent or was financially dependent on a step-parent who has died, and there is either no or inadequate financial provision on the death of the step parent, he or she can make an application to the court under the Inheritance (Provision for Family and Dependants) Act 1975 on the basis that “reasonable financial provision” has not been made for them.

It is worth remembering that court proceedings can of course be very stressful and costly and the whole process may damage family relations. Step-children of an unmarried couple can only make a claim on the basis of financial dependency. If the challenge is successful, the amount the stepchild is likely to be awarded by the court will depend on a number of factors, including the size of the estate, the age of the stepchild, his or her needs, the level of the dependency etc.

The Legal Difference between Children and Stepchildren

From a legal standpoint, stepchildren have no rights to their stepparents’ estate, unless they’ve been specifically mentioned in the Will. The rules of intestacy make no provision for step-children even where there are no surviving relatives, so if you want to provide for your step-children you should make a Will. Unlike natural and adopted children, who have automatic rights to inheritances unless specified otherwise, stepchildren need to be cited by name in order to be included in someone’s Will.

Here at Quick Will, our Wills do not use terms like descendants or heirs to refer to children or to step-children, as these terms are not only subject to confusion, they are additionally complicated for blended families with step-children. Instead, we insist that each step-child is named using their individual names.

If you are living in a stepfamily, it is therefore vital that you make a Will that ensures that on your death your assets go to the people who are important to you and that the wording of the Will does not cause any difficulties after your death. Here at Quick Will we recommend you protect every member of your family and make a Will now.

Wills and Probate Glossary

Wills and Probate Glossary

There are many terms that are used in relation to Wills and Probate, and here we explain some of these commonly used wills and probates terms in plain English.

Legal Glossary
  • Administrator
  • The person who deals with the estate of a person who has died intestate (without a Will).

  • Apportionment
  • The proportionate division of a deceased’s estate between certain beneficiaries.

  • Assets
  • Property, money and other belongings owned by the deceased.

  • Attorney
  • A person, typically a lawyer, but not always, who is appointed to act for another in business or legal matters on their behalf.

  • Attestation
  • Confirmation or verification. It is often used as a term when witnessing a signature.

  • Beneficiary
  • Anyone or any organisation that is entitled to a share of the estate of the deceased.

  • Bequest
  • Any gift left in a Will that is not land or buildings.

  • Capital Gains Tax (CGT)
  • This is a tax on the profit made when selling an asset.

  • Chattels
  • Any movable personal property or belongings that is not used for business. Examples of personal chattels would be ornaments, jewellery, furniture, clothes and so on.

  • Codicil
  • An addition or change made to a Will, for example, to increase a cash legacy.

  • Common Law Spouse
  • There is no such thing as a common law spouse in law.

  • Court of Protection
  • The Court of Protection in English law is a superior court that has jurisdiction over the property, financial affairs and personal welfare of people who lack the mental capacity to make decisions for themselves.

  • Discretionary Trust
  • A trust where the trustee has the full power to decide when and to which beneficiaries are to receive their capital.

  • Domicile
  • Domicile is a concept of general law. Domicile is distinct from nationality or residence. Broadly speaking your domicile is the country where you have your permanent home, and you can only have one domicile at any given time.

  • Estate
  • All the possessions of the person who has died, including all property, cars, investments, money and other belongings.

  • Executors
  • The persons or organisations appointed in the Will to administer an estate.

  • Gift
  • A transfer from one person to another without fair compensation in return. A legacy left to others in a Will.

  • Grant of Probate
  • The document issued by the Probate Registry to the executors to authorise them to deal with the estate.

  • Grant of Representation
  • The grant is a legal document issued by a court which confirms that the executor has the authority to deal with the deceased person’s assets. This document must thus be obtained before the executors can start closing accounts and liquidating assets.

  • Guardian
  • The person appointed by a parent or a court to have parental responsibility for a child under the age of 18 years.

  • Inheritance (Provision for Family and Dependants) Act 1975
  • This is the act that allows people to bring a claim for inadequate provision under the terms of a Will or intestacy. The act makes provision for empowering the court to make orders for provision for the spouse, former spouse, child, child of the family or dependant of that person.

  • Inheritance Tax (IHT)
  • The tax that is to be paid when the total estate of a person who has died is more than the current inheritance tax threshold.

  • Intestacy
  • The name for the situation which arises when someone dies without having made a legally valid Will. Their estate is then distributed according to rules laid down in law governing intestacy.

  • Insolvency
  • When there is a shortfall of funds to meet all liabilities at the time they are due.

  • Joint Tenancy
  • Property that is owned by two or more people in equal shares. Joint tenants are usually husband and wife and in the event of the death of the first person, the share of the property they owned would pass automatically to the surviving owner and would do so outside the terms of any Will.

  • Last Will and Testament
  • A legal document that lays out the way a person wishes to have their estate distributed upon their death.

  • Lasting Power of Attorney (LPA)
  • A Lasting Power of Attorney can relate to someone’s property and affairs or their personal welfare. Their purpose is to meet the needs of those who can see a time when they will not be able to look after their own personal, financial or business affairs. The LPA allows for appropriate arrangements for family members or trusted friends to be authorised to make decisions on their behalf.

  • Laws of Intestacy
  • The Laws of Intestacy dictate how an estate is distributed should a person die without leaving a legally valid Will.

  • Leasehold
  • A form of property tenure where a person buys the right to occupy land or a building for a given length of time. Ownership of the property will pass to the landlord when the lease comes to an end.

  • Legacy
  • A gift of money (usually a specific amount) left to someone in a Will.

  • Letter Of Intent
  • An appendix to a Will detailing specific wishes not covered by law. This would typically include preferred funeral arrangements.

  • Letters Of Administration
  • Letters of Administration are granted by a probate registry to appoint appropriate people to deal with a deceased person’s estate where property will pass under Intestacy Rules or where there are no executors living (and willing and able to act) having been validly appointed under the deceased’s Will.

  • Liabilities
  • The debts that need to be settled by the estate following the death of the deceased.

  • Memorandum of Wishes
  • Where a gift in a Will is coupled with a (non-binding) wish that it is to be distributed in accordance with wishes set out separately elsewhere.

  • Minor
  • A person under the age of 18.

  • Next of Kin
  • The nearest blood relative of the deceased. When a person dies intestate the next of kin are the people entitled to the estate, in accordance with the Rules of Intestacy.

  • Office of the Public Guardian (OPG)
  • The Office of the Public Guardian is a government body that protects the private assets and supervises the financial affairs of people who lack mental capacity for making decisions. The OPG works closely with the Court of Protection.

  • Parental Responsibility
  • The rights and responsibilities that a parent has towards a child and their property

  • Pecuniary Legacy
  • A gift of a fixed sum of money.

  • Post Mortem
  • A medical examination of the body to determine the cause of death.

  • Potentially Exempt Transfer
  • A gift made during one’s lifetime that is exempt from Inheritance Tax if the donor lives for seven years after making the gift.

  • Power of Attorney
  • Authorisation to act on someone else’s behalf.

  • Predeceased
  • Someone who dies before the person who has made the Will.

  • Probate
  • Probate is the official process that gives the executors of a Will the right to deal with the deceased’s assets and property. It acts as proof that the executors have the authority they need to handle the estate of the deceased person. This legal procedure must be undertaken to establish that a Will is genuine and valid.

  • Probate Registry
  • A court within the family division of the High Court, that deals with probate matters. The probate registry is responsible for making sure that the Will is valid and the applicant is entitled to handle the estate of the deceased.

  • Residuary Estate
  • What is left of the estate after all liabilities and expenses have been paid.

  • Revocation
  • The term used when the testator decides to legally cancel their Will completely and invalidate the previous Will.

  • Tenant for Life
  • Property that is owned by two or more people. Joint tenants are usually husband and wife and in the event of the death of one tenant, the other automatically becomes the owner of the whole property. In these situations it is not possible for a tenant to make a gift of their share of the property to someone else as it is not theirs to give.

  • Tenants in Common
  • Property that is owned jointly but each joint owner has a distinct share forming part of their estate on death which does not pass automatically to the surviving tenant.

  • Testamentary Expenses
  • The costs of obtaining the Grant of Probate or Letters of Administration and of administering the estate.

  • Testator
  • The person who sets out his wishes and requests as to how their estate should be divided in the form of a Will.

  • Trust
  • An arrangement set up by Will or deed with the trustees being appointed and given money or assets to hold and manage on behalf of the beneficiaries.

  • Trustee
  • Someone who is given the legal responsibility to hold any assets until nominated beneficiaries meet certain criteria set out in the deceased’s Will e.g. until a beneficiary reaches the age of 21. Trustees normally have powers to distribute monies and have full power to sell and invest. Trustees have duties to be loyal, prudent, impartial and to inform the beneficiaries of the trust.

  • Will
  • A legally binding set of instructions indicating how someone wishes to dispose of their assets upon their death.

  • Witnesses
  • The persons who must be present to see the testator sign the Will. They must also sign the Will themselves and should not be beneficiaries of the Will.

    We hope this Wills and Probate glossary guide has been useful. If you want to find out more you can check this comprehensive Wills and Probate Glossary. Meantime, we hope this guide will help you create a Will.