The idea of making a will often feels like a concern reserved for older generations. Yet, recent data reveals a notable rise in young adults recognising the importance of having a will in place. Far from being irrelevant to those in their twenties and thirties, having a will is a practical step that offers control and security over personal affairs. This article explores why young people should take estate planning seriously, dispels common misconceptions, and highlights the current trends shaping will-making among younger demographics in the UK.
Changing Attitudes Towards Wills Among Young Adults
Traditionally, wills were associated with older adults, often those approaching retirement or beyond. However, recent research shows that 41% of young adults aged 18-24 in the UK now have a will, a figure that rises to 47% among those aged 25-54. This increase reflects growing awareness that a will is not simply about wealth distribution but ensuring that personal wishes are respected and loved ones are protected.
Life events such as purchasing a home, starting a family, or entering a serious relationship often prompt younger people to consider writing a will. Despite this, inertia remains a significant barrier, with over half of those without a will citing that they simply have not gotten around to it. This delay can leave estates vulnerable to default inheritance laws, which may not reflect the deceased’s intentions.
Why Having a Will Matters for Young People
Protecting Your Loved Ones and Your Wishes
Without a will, the distribution of your estate is governed by intestacy rules, which do not account for personal circumstances like unmarried partners or stepchildren. For young adults living with partners but not married, this can mean that their significant other may inherit nothing unless explicitly named in a will. This legal framework can also lead to disputes among family members, causing emotional distress and financial costs.
Guardianship for Children
For young parents, a will is essential to appoint guardians for their children. Without clear instructions, the courts decide who will take care of minors, which may not align with the parents’ preferences. This aspect alone underscores the importance of early estate planning for those with dependents.
Managing Digital and Physical Assets
Today’s young adults accumulate many assets beyond property and savings, including digital assets such as social media accounts, cryptocurrencies, and online businesses. A will can specify how these should be handled, ensuring nothing is overlooked.
The Growing Popularity of Alternative Will-Making Services
While solicitors remain a popular choice for drafting wills, their market share is declining. In 2025, only 49% of people used solicitors for will writing, down from 56% in 2020. Many younger adults prefer online services, fixed-fee providers, or hybrid approaches where they complete simpler parts themselves and consult professionals for complex issues. This shift will make will-making more accessible and affordable for younger generations.
The median cost for a will in 2025 is around £130, with 85% of clients paying a fixed price, reflecting a competitive market that caters to diverse needs. Additionally, some free will-writing services are available through charitable organisations or promotional offers, further lowering barriers to entry.
Common Misconceptions and Barriers
“I’m Too Young to Need a Will”
Many young adults believe that wills are only necessary for older people or those with substantial assets. However, the absence of a will can create complications regardless of age or wealth. Even if your estate is modest, a will ensures your belongings go to the people you choose and that your wishes regarding guardianship or funeral arrangements are respected.
Fear of Facing Mortality
Nearly half of those without a will cite fear of death as a reason for avoidance. While this is understandable, having a will is a practical measure that provides peace of mind and protects those left behind.
Complexity and Cost Concerns
The process of making a will is often perceived as complicated or expensive. Yet, many find it straightforward, especially with the availability of online tools and fixed-fee services. Professional advice is recommended for complex situations, but simple wills can be created efficiently and affordably.
The Consequences of Not Having a Will
Failing to make a will can lead to unintended outcomes. Assets may pass to relatives you would not have chosen, or partners may be excluded entirely if you are not married. This can cause family disputes, lengthy legal processes, and additional costs. Research indicates that nearly half of UK adults do not have a will, leaving many estates subject to intestacy laws.
Taking Action: How to Begin
Starting the will-making process does not require a major commitment. Many providers offer step-by-step guidance, and it is possible to draft a simple will online. For those with more complex needs, consulting a solicitor or specialist will ensure that your wishes are legally sound and comprehensive.
For young adults interested in learning more about the importance of wills and how to get started, resources such as will for young people provide valuable insights.
Conclusion
The evidence is clear: young adults increasingly recognise the value of a will. It is vital for protecting loved ones, ensuring personal wishes are honoured, and avoiding unnecessary complications. Regardless of age or asset level, writing a will is a responsible step that offers security and clarity. With accessible options and growing awareness, there has never been a better time for young people to take control of their future.
