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Mirror & Choice | Premium Protection Collection | Xwills
Premium Protection Collection

Tier I: Essential Couple's Security

Mirror & Choice

A professional legal suite designed to eliminate uncertainty. We provide the essential Mirror Wills and Lasting Powers of Attorney required to protect your partner, your family, and your legacy.

Married Couples

Ensure that "Next of Kin" is a legal reality. Protect your spouse's right to manage joint assets without court interference.

Unmarried Partners

Essential for cohabiting couples. Without these documents, the law treats you as "legal strangers."

Young Families

Secure the future of your children. Formally appoint legal guardians and ringfence assets in trust.

Pillar I: Mirror Wills
The Legacy Blueprint

A Mirror Will allows a couple to create a unified plan, ensuring the survivor is cared for first. This is the cornerstone of any couple's estate plan, providing absolute clarity on how your world should be managed when you are no longer here.

  • Executor Appointments: Choose the specific individuals you trust to handle the complex legalities of probate, debt settlement, and asset distribution.
  • Guardianship: Legally define who should raise your children, ensuring they are cared for by people who share your values rather than leaving the decision to a family court.
  • Legacy Gifting: Distribute sentimental items, family heirlooms, or charitable donations with absolute legal certainty and zero ambiguity.
A high-end legal illustration for a Mirror Will, titled 'PILLAR I: THE LEGACY BLUEPRINT' in Roman numerals. The golden blueprint features an intertwined family tree, a house, and icons for Executor Appointments, Guardianship, and Legacy Gifting on a navy blue background.
PILLAR I: Creating a cohesive, legal structure for your unified estate plan and securing your family's future.
A premium legal graphic for Financial Power of Attorney, titled 'PILLAR III: THE FINANCIAL SPARE KEY' in Roman numerals. The design features a golden key unlocking a financial blueprint with icons representing Continuous Banking, Property Authority, and Routine Management on a navy blue background.
PILLAR III: Implementing the 'Financial Spare Key' to ensure seamless continuity and legal authority over your estate during your lifetime.

Pillar II: Financial LPAs
The Financial Spare Key

This document grants your partner the legal right to "step into your shoes" if you lose capacity through accident or illness. Without this, joint assets—including your home and bank accounts—can be legally frozen.

  • Continuous Banking: Prevents the bank from freezing joint accounts if one owner loses capacity, ensuring bills, mortgages, and daily expenses are always paid.
  • Property Authority: Grants your partner the right to sell the family home, downsize, or remortgage without the 9-month delay and costs of a Court of Protection application.
  • Routine Management: Allows your partner to manage your pensions, deal with HMRC, and claim state benefits on your behalf from day one.

The Roadmap

Our Professional Process

Expert legal drafting meets modern efficiency. Here is how we move from your initial inquiry to total lifetime protection.

1

Initial Discovery

A dedicated 1-on-1 consultation (Phone or Video) to map out your family dynamic, assets, and specific wishes.

2

Expert Drafting

Our SWW-qualified specialists draft your 4 bespoke documents, ensuring full statutory compliance and total accuracy.

3

Review & Signing

A guided sign-off call to review every clause. We then provide a comprehensive guide for legal witnessing and execution.

4

Secure Custody

Original documents are moved to our fireproof vault. We register your Wills and handle all OPG filing guidance for your LPAs.

Expert Insights & Guidance

The "Next of Kin" Myth

Many couples believe that being married or "next of kin" grants automatic authority over bank accounts or medical decisions. This is a legal fallacy. Without a Financial LPA, the bank is legally required to freeze joint accounts if one partner lacks capacity, often leaving the survivor with no access to funds for months.

Unmarried Partners & The Law

If you are not married, the law treats you as "Legal Strangers." If one partner passes away without a Will, the survivor has no automatic right to the home or assets under the Rules of Intestacy. Pillar I (The Mirror Will) ensures your home stays with your partner.

Why all four documents?

A Will only speaks once you have passed. An LPA protects you while you are alive. By combining both into this collection, we ensure there is no "gap" in your protection, whether you are dealing with a temporary medical emergency or long-term estate planning.

Secure Your Legacy

Protect what matters today.

£395

Fixed Collection Fee

Collection Includes:

  • ⬥ 2x Professionally Drafted Mirror Wills
  • ⬥ 2x Property & Financial LPAs
  • ⬥ Initial Inheritance Tax (IHT) Advice
  • ⬥ Dedicated Estate Planning Consultant
  • ⬥ Professional Assistance with Signing
  • ⬥ National Will Registration & Vaulting

Staged Payment Plan:

20% Non-Refundable Deposit to Start

30% Upon Approval of Initial Drafts

50% On Final Completion & Signing

✓ SWW Qualified Drafting ✓ £2m Professional Indemnity Insurance ✓ Rated 4.8 Excellent on TrustPilot

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Xwills.com official logo - National specialists in Property Protection Trust Wills and Lasting Power of Attorney (LPA) for homeowners in England and Wales

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contact details

Phone

0208 064 3806

Email Us

info@xwills.com

Registered address

Tilsop Farm,
Nash,
Ludlow,
Shropshire
SY8 3AX

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