How to Start a Will Writing Business UK 2025

Complete step-by-step guide from business setup to first paying client. Start earning £2,000-£8,000/month in 6-12 weeks.

Quick Summary

Total startup cost: £1,500-£3,500 | Time to first client: 6-12 weeks | Year 1 income potential: £25,000-£60,000 | Overhead: 15-25% of revenue

This guide covers everything: legal setup, insurance, software, pricing, marketing, and getting your first 10 clients.

1. Prerequisites Before Starting Your Will Writing Business

Before you can legally and ethically start a will writing business in the UK, you need:

✅ Essential Requirements:

1. Professional Training

Complete a recognized will writing course (3 weeks - 6 months). Cost: £995-£5,000.

Recommended: ProjectWill Training (£995 all-inclusive)

2. Age & Background Check

Must be 18+ and pass basic DBS check. No law degree needed.

3. Professional Indemnity Insurance

£1-2 million coverage minimum. Cost: £40-£150/month.

4. Will Writing Software

Professional software (Willo, Octopus, SmartWill). Cost: £150-300/month or included with training.

💡 Can You Start Without Training?

Technically yes (will writing is unregulated), but you won't get professional indemnity insurance, you'll risk making costly mistakes, and you'll struggle to get clients. Always get proper training first.

3. Professional Indemnity Insurance (Week 2)

⚠️ MANDATORY - Never operate without insurance

Professional indemnity insurance protects you and your clients if you make a mistake. One error could cost £50,000+. Insurance is not optional.

What You Need:

  • Coverage: £1-2 million minimum (£2M recommended)
  • Type: Professional indemnity insurance specifically for will writers
  • Cost: £40-£150/month (£500-£1,800/year)
  • Factors affecting price: Coverage amount, location, experience level

Recommended Insurance Providers:

1. Qdos Contractor

£500-£1,200/year | £1-2M coverage | Will writer specialist

2. BiBERK

£600-£1,500/year | £2M coverage | Easy online quotes

3. Hiscox

£800-£1,800/year | £2M coverage | Reputable provider

💡 Pro Tip:

Get quotes from 3-5 providers. Prices vary significantly. Mention you're IPW member (even if you're not yet) for discounts.

4. Will Writing Software (Week 2-3)

You need professional software to draft wills. Hand-writing or using Word documents is unprofessional and risky.

Top Will Writing Software Options:

⭐ RECOMMENDED

Willo Estate Planning Software

Cost: £150-300/month OR FREE with ProjectWill training

Best for: Full estate planning (wills, LPAs, trusts, client management)

  • ✅ Comprehensive (wills, LPAs, trusts all in one)
  • ✅ Client management system
  • ✅ Document storage
  • ✅ Professional output
  • ✅ Regular updates

Octopus Legacy

Cost: £200-250/month

Good alternative, similar features to Willo

SmartWill

Cost: £180/month

Simpler interface, fewer features

💰 Cost Savings:

Software costs £1,800-£3,600/year. ProjectWill training (£995) includes Willo software = you save £800-£2,600 in year 1 alone vs buying training and software separately.

5. Setting Your Prices (Week 3)

Pricing is critical. Price too low = you'll attract difficult clients and burn out. Price too high = you'll struggle to compete.

UK Market Rate Pricing 2025:

Service Low Average High
Single Will (basic) £150 £200 £300
Mirror Wills (couple) £250 £400 £500
Single LPA £150 £200 £250
Dual LPAs (health + finance) £250 £350 £450
Mirror Wills + 4 LPAs Package £700 £900 £1,200

💡 Recommended Pricing Strategy (Year 1)

Position yourself in the middle-to-upper range. Charge £400-450 for mirror wills, £900-1,000 for full packages. Don't compete on price - compete on service, convenience, and expertise.

6. Marketing Strategy (Week 3-4)

This is where most will writers fail. You can be the best will writer in the world, but if no one knows about you, you'll earn nothing.

High-ROI Marketing Channels (Priority Order):

1. Networking (Highest ROI) 🏆

Cost: £500-800/year | Expected clients: 30-60% of total

Join these groups:

  • BNI (Business Network International): £500-700/year, weekly meetings, guaranteed referrals
  • Chamber of Commerce: £200-400/year, monthly networking
  • Local business groups: Free-£100/year

Partner with:

  • Financial advisors (they have clients who need wills)
  • Accountants (same client base)
  • Funeral directors (natural synergy)
  • Estate agents (property = wills needed)

2. Google Business Profile (FREE)

Cost: £0 | Expected clients: 10-20% of total

Setup:

  1. Go to google.com/business
  2. Create profile with your business name, location, services
  3. Verify your business (by postcard)
  4. Add photos, services, prices
  5. Get reviews from first clients

3. Facebook Page + Local Groups

Cost: £0-50/month | Expected clients: 5-15% of total

  • Create business Facebook page
  • Post weekly about estate planning
  • Join local community groups
  • Offer free advice (builds trust)
  • Consider £5-10/day Facebook ads (optional)

4. Simple Website

Cost: £0-500 | Not a lead generator, but necessary for credibility

Keep it simple:

  • Home page (who you are, what you do)
  • Services & Pricing page
  • About page
  • Contact page
  • Testimonials (add as you get clients)

7. Getting Your First 10 Clients (Week 4-12)

Realistic Timeline

Client 1
Week 6-10
Clients 2-5
Week 8-14
Clients 6-10
Week 12-20

Proven Strategies:

1. Friends & Family Circle

Tell everyone you know. Offer slight discount (£50 off) for first 5 clients. Ask for testimonials and 3 referrals from each.

2. Free Consultations

Offer 30-minute free estate planning consultations. 60-70% convert to paid clients.

3. Partner with ONE Financial Advisor

Find one good financial advisor and offer to handle all their clients' estate planning needs. Can provide 10-20 clients/year.

4. Exceed Expectations

Every client gets: Professional service + home visit + follow-up call + handwritten thank you note. This drives referrals.

8. Complete Cost Breakdown

Startup Costs:

Item Cost Notes
Training £995-£5,000 ProjectWill: £995 (recommended)
Business registration £0 Free for sole trader
Insurance (year 1) £500-£1,800 £1,000 average
Software (year 1) £0-£3,600 Free with ProjectWill training
Website £0-£500 DIY free, professional £300-500
Business cards & materials £100-£300 Essential for networking
Networking membership £500-£700 BNI or Chamber
TOTAL (with ProjectWill) £2,095-£3,395 £2,700 realistic
TOTAL (other training) £5,095-£10,395 With separate software costs

💰 ROI Calculation:

Investment: £2,700 | Average fee per client: £450 | Clients to break even: 6 | Typical months 1-3: 5-15 clients | ROI in 3 months: £2,250-£6,750 profit (83-250% return)

9. Realistic Timeline: Week by Week

Week 1-2: Training

Complete will writing course. Learn wills, LPAs, trusts, business setup.

Week 3: Business Setup

  • Register as self-employed
  • Open business bank account
  • Get insurance quotes

Week 4: Insurance & Software

  • Purchase insurance (mandatory before clients)
  • Setup software
  • Create pricing structure

Week 5: Marketing Launch

  • Setup Google Business Profile
  • Create Facebook page
  • Order business cards
  • Join networking group
  • Tell everyone you know

Week 6-10: First Client

First consultation → First paying client. Typical: Week 8.

Week 10-16: Clients 2-5

Referrals from first client + networking starting to work.

Month 4-6: Sustainable Flow

5-10 clients/month. Business becoming sustainable.

10. Frequently Asked Questions

Can I start a will writing business from home?

Yes, absolutely. Most will writers work from home and visit clients at their homes. No office needed.

Do I need a law degree to start a will writing business?

No. Will writing is unregulated in the UK. You need proper training and insurance, but no law degree required.

How much does it cost to start a will writing business?

£2,000-£3,500 total with ProjectWill training (includes software). £5,000-£10,000 with other training providers (software separate). Most costs are in year 1 - ongoing costs much lower.

How long until I get my first client?

Realistically 6-12 weeks. Some get clients in week 4, some take 16 weeks. Depends on your marketing effort and local network.

Can I run a will writing business part-time?

Yes. Many will writers work 10-20 hours/week earning £20,000-£40,000/year. Perfect as side business or semi-retirement income.

Is will writing profitable?

Very. Low overhead (15-25%), high margins (70-85%), recurring clients (will updates, LPAs), referrals (each client refers 1-3 others). Year 1: £25K-£60K possible. Year 3+: £60K-£120K+ achievable.

Ready to Start Your Will Writing Business?

Get comprehensive training, software included, and help getting your first clients. Break even with just 3 clients.

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