Smartwill.app Review

Based on checking the website, Smartwill.app presents itself as a straightforward solution for drafting Wills in the UK.

While the service emphasizes ease of use and affordability, a deeper dive into its features and the broader context of Islamic estate planning reveals some critical considerations.

For those seeking to ensure their final wishes align with religious principles and are legally sound, a more comprehensive approach is often necessary.

Overall Review Summary:

• Service Type: Online Will writing app.
• Target Audience: UK adults seeking a simplified Will creation process.
• Key Selling Points: Speed 10 minutes, affordability £19.99 – £79, unlimited updates with lifetime membership, physical Will delivery, free expert consultation.
• Customer Testimonials: Generally positive, highlighting ease and speed.
• Company Information: Smart-Will is a trading style of ‘C. J. Fisher & Co Ltd’, company number 11749223, based in Greater Manchester.
• Limitations from an Islamic perspective: The website does not explicitly mention compliance with Islamic inheritance laws Fara’id. A generic Will drafted without specific Islamic guidance may contradict Sharia principles regarding asset distribution.
• Recommendation: Caution advised for Muslims. While convenient, it lacks features to ensure Islamic compliance, which is crucial for ethical estate planning.

The website touts Smartwill.app as “The UK’s

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#1 Will writing App,” aiming to simplify a process often seen as daunting. It highlights common pitfalls of dying intestate, such as children potentially entering local authority care, excessive inheritance tax, assets going to unintended beneficiaries, prolonged legal work, and family disputes. The platform claims to mitigate these issues by allowing users to create a Will in just a few minutes. Testimonials praise its speed and ease, suggesting a user-friendly interface. However, for a Muslim individual, the primary concern extends beyond just legal validity in the UK context. it involves adherence to Islamic inheritance laws, which are divinely ordained and often complex. The website does not provide any information or assurance regarding the compatibility of its Will templates with these specific requirements. Therefore, while it may be a convenient option for general UK estate planning, its suitability for Islamic estate planning is questionable without further, explicit assurances and functionalities.

Best Alternatives for Ethical Estate Planning:

For individuals seeking to ensure their estate planning aligns with Islamic principles, or for those desiring more comprehensive and personalized legal guidance, several alternatives are available:

• Islamic Will Writing Services UK: These specialized legal services or platforms focus specifically on drafting Wills Wasiyyah that comply with both UK law and Sharia inheritance principles. They often have experts in Islamic jurisprudence.
  • Key Features: Sharia-compliant distribution, appointment of Islamic guardians, detailed asset distribution based on Fara’id, charitable bequests waqf.
  • Price: Varies significantly based on complexity and legal firm, typically higher than generic online services.
  • Pros: Ensures religious compliance, expert guidance, peace of mind.
  • Cons: Can be more expensive, potentially more time-consuming.
• Specialized Estate Planning Solicitors: Traditional solicitors specializing in estate planning can offer tailored advice and draft complex Wills. Ensure they have experience with Islamic inheritance if that is a requirement.
  • Key Features: Personalized legal advice, complex estate structuring, tax planning, trust creation.
  • Price: Hourly rates or fixed fees, often significantly higher.
  • Pros: Highly customized, legally robust, professional liability.
  • Cons: Most expensive option, requires in-person consultations.
• Online Legal Document Services with Islamic templates: Some online platforms offer a wider range of legal documents, with some providing specific templates for Islamic Wills. Always verify the expertise behind these templates.
  • Key Features: Cost-effective, accessible, some offer Sharia-compliant options.
  • Price: Generally affordable, often subscription-based or one-time fee.
  • Pros: Convenient, more flexible than traditional solicitors for basic needs.
  • Cons: Quality and Sharia compliance vary. may not cover complex scenarios.
• LawDepot: A popular online legal document service in the UK, offering a range of templates including Wills. While not specifically Islamic, it provides a structured framework that can be adapted with careful consideration.
  • Key Features: User-friendly interface, step-by-step guidance, various legal documents.
  • Price: Subscription-based, with various plans available.
  • Pros: Affordable, easy to use, wide range of documents.
  • Cons: Not inherently Sharia-compliant. requires user knowledge to adapt.
• Which? Wills: Consumer champion Which? offers its own online Will writing service, vetted for reliability. This is a general service, so Islamic principles would need to be manually incorporated if possible, or by a separate Islamic advisor.
  • Key Features: Trusted brand, clear guidance, often includes review options.
  • Price: Mid-range, usually a fixed fee.
  • Pros: Reputable, straightforward process.
  • Cons: Not designed for Islamic compliance. may lack the flexibility for intricate Sharia-based distributions.
• Farewill: A well-known online Will writing service in the UK. It offers a simple process and can be a good option for basic Wills, but again, users would need to ensure Islamic principles are met independently.
  • Key Features: Modern interface, charity gifting options, telephone support.
  • Price: Fixed fee, generally competitive.
  • Pros: User-friendly, convenient, supports charitable giving.
  • Cons: No explicit Islamic compliance features.
• Free Will Service through Charities: Many charities offer free Will writing services in exchange for a donation or consideration of a bequest. While a noble cause, these are typically generic and would require extensive customization or a supplementary Islamic Will to ensure Sharia compliance.
  • Key Features: Free basic Will, supports charitable causes.
  • Price: Free, with a suggested donation.
  • Pros: No direct cost, helps a charity.
  • Cons: Basic Will only, not designed for Islamic compliance, limited customization.

Smartwill.app Review & First Look

Based on an initial examination of the Smartwill.app website, the platform positions itself as a swift and user-friendly solution for creating a Will in the UK.

The emphasis is on convenience and affordability, aiming to demystify the often intimidating process of estate planning.

From a design perspective, the site is clean and intuitive, guiding potential users with clear calls to action like “Start Here It takes just a few minutes from here.” This approach is clearly designed to attract individuals who might otherwise postpone or avoid Will writing due to perceived complexity or cost.

Initial Impressions on Usability and Design

The website employs a minimalist yet effective design.

Key information is presented concisely, often in bullet points, making it easy to digest. Keybuildingworks.com Review

The use of repetitive calls to action ensures that users know exactly where to begin the process.

The prominent display of customer testimonials on the homepage is a strategic move to build trust and social proof, suggesting a positive user experience.

For instance, statements like “I found the process stress-free, even fun!” and “Superb will writing service” aim to alleviate common anxieties associated with legal documentation.

However, the true test of usability lies within the app itself, which is not directly accessible from the homepage for a full review.

Stated Benefits for Users

Smartwill.app highlights several compelling reasons why individuals should have a valid Will in place. Vspharma.xyz Review

These benefits primarily revolve around avoiding the complexities and potential disputes that arise from intestacy. The site emphasizes:

• Avoiding a long probate process: A Will can streamline the legal procedures after death, contrasting it with the potentially lengthy process of obtaining “letters of administration” without a Will.
• Clarity of wishes: A Will acts as a definitive statement of how assets should be distributed, who should be nominated as guardians for minors, and even who should not benefit from the estate.
• Inheritance Tax reduction: The website suggests that sensible estate planning through a Will, including charitable giving, can mitigate inheritance tax.
• Choice of executor: Users gain the power to appoint individuals responsible for carrying out their Will’s terms, ensuring trustworthy and capable hands.
• Affairs in order: The process of creating a Will implicitly encourages users to organize their financial and personal information, making it easier for executors.
• Charitable gifting: The app facilitates leaving gifts to charities, aligning with philanthropic intentions.
• Easing burden on loved ones: A clear Will minimizes stress and uncertainty for grieving family members, allowing them to make informed decisions.

These points are well-articulated and resonate with common concerns about post-mortem planning.

Smartwill.app’s Limitations and Ethical Considerations for Muslims

While Smartwill.app offers a convenient service for general Will writing, its utility for Muslims is significantly limited by its lack of explicit adherence to Islamic inheritance laws, known as Fara’id.

Islamic inheritance is a precise and divinely mandated system for distributing wealth, which often differs substantially from secular legal frameworks.

Relying solely on a generic online Will service without expert Sharia guidance can lead to a Will that is legally valid in the UK but ethically problematic and invalid from an Islamic perspective. Bootybuilder.com Review

Non-Compliance with Islamic Inheritance Law Fara’id

Islamic law provides a clear, detailed framework for the distribution of an individual’s estate upon death.

This system outlines specific shares for various heirs, including spouses, children, parents, and siblings, and the order of their entitlement.

Disregarding these precise distributions is considered a grave matter in Islam.

• Fixed Shares: Fara’id prescribes fixed shares for primary heirs. For example, a wife receives 1/8th if there are children, and 1/4th if there are no children. Sons generally receive double the share of daughters. These proportions are not arbitrary but divinely decreed.
• Limited Discretion: While a Muslim can bequeath up to one-third of their estate to non-heirs or charities through a Will Wasiyyah, the remaining two-thirds must be distributed according to Fara’id. A Will created through a generic service might allow for distributions that violate these fixed shares, rendering the Will non-compliant with Islamic law.
• Guardianship: While the app allows for naming guardians, a Muslim Will needs to specify guardians for minor children who will raise them according to Islamic principles.
• Waqf Endowment: Muslims often wish to establish charitable endowments Waqf as part of their estate planning. A standard Will template might not provide the specific legal clauses necessary to establish a valid and perpetual Waqf.

Without specific modules or legal oversight from Islamic scholars or lawyers specializing in Fara’id, a Will created on Smartwill.app risks being a document that legally governs the distribution of assets but fails to fulfill religious obligations, potentially leading to spiritual repercussions for the deceased.

Lack of Transparency on Legal Review or Sharia Compliance

The website mentions that “All Smart Will members can book a free consultation with our experts to verify the Will meets your needs.” However, there’s no indication that these “experts” possess qualifications in Islamic law or are equipped to ensure Sharia compliance. Shopcar.parts Review

The term “meets your needs” likely refers to UK legal validity and user preferences, not adherence to religious tenets.

• Generic Legal Advice: Most online Will services, by their nature, provide generalized legal templates and advice applicable to the broad UK legal system. They are not typically designed to navigate the nuances of specific religious laws.
• No Sharia Board or Oversight: There is no mention of a Sharia advisory board, Islamic legal experts on staff, or any process for reviewing Wills for Fara’id compliance. This absence is a significant red flag for Muslims.
• Implied UK-Centricity: The constant emphasis on “UK’s #1” and discussion of UK intestacy laws further reinforces the service’s focus purely on the secular legal framework, implicitly excluding specialized religious requirements.

For a Muslim, this lack of transparency regarding Sharia compliance means that any Will drafted through Smartwill.app would likely require independent review by an Islamic scholar or a lawyer specializing in Islamic inheritance law to ensure it is valid both legally and religiously.

This extra step negates much of the “ease” and “affordability” promised by the app.

Smartwill.app Pros & Cons

Based on the information presented on its website, Smartwill.app offers a streamlined approach to Will writing.

However, a balanced perspective reveals both potential advantages for a general user and significant drawbacks, particularly for those with specific ethical or religious requirements, such as Muslims. Senzmate.com Review

Pros

For the average UK resident, Smartwill.app presents several compelling benefits:

• Accessibility and Convenience: The platform is designed to be incredibly easy to use, allowing users to create a Will quickly, reportedly in “just a few minutes.” This removes many of the traditional barriers associated with Will writing, such as the need for in-person solicitor visits or navigating complex legal jargon. The “Start Here” buttons are ubiquitous, guiding users effortlessly.
• Affordability: Compared to traditional solicitors, Smartwill.app appears to offer a significantly more cost-effective solution. While specific pricing tiers aren’t immediately obvious on the homepage apart from a £19.99 mention in one testimonial and £79 in another, the overall impression is one of value. The promise of “unlimited usage” and updates “free, for life, with no extra fees” for lifetime members is a strong financial incentive.
• Unlimited Updates: The ability to update the Will at any time without additional charges for lifetime members is a major advantage. Life circumstances change frequently marriage, divorce, new children, deaths of beneficiaries, and a Will needs to reflect these changes. This feature offers peace of mind that the document can remain current without incurring recurring legal fees.
• Physical Will Delivery: The mention that Smart Will sends “an actual physical Will” post-completion adds a tangible layer of security and professionalism, countering the perception that online documents might be less formal or harder to manage.
• Customer Testimonials: The website prominently features numerous positive reviews from users who praise the app’s simplicity, speed, and straightforwardness. These testimonials provide social proof and suggest a high level of user satisfaction with the process.
• Clarifies Estate Planning Benefits: The site effectively educates users on the importance of having a Will, highlighting the negative consequences of dying intestate, such as potential government control over assets, inheritance tax issues, and family disputes.

Cons Especially for Muslims

Despite its apparent benefits, Smartwill.app has considerable drawbacks, particularly when viewed through the lens of Islamic estate planning and comprehensive legal diligence.

• Lack of Sharia Compliance: This is the most critical con for Muslim users. The website offers no indication that its Will templates or processes are designed to comply with Islamic inheritance laws Fara’id. A generic Will written through this app is highly likely to conflict with the precise, divinely ordained distribution rules of Islam. For example, specific shares for various heirs e.g., male inheriting twice the share of a female heir in certain situations and the limitation on testamentary freedom only up to one-third of the estate can be willed outside Fara’id are typically not addressed by standard UK Will services.
• No Islamic Legal Expertise: While the website offers a “free consultation with our experts to verify the Will meets your needs,” there is no evidence or claim that these experts possess qualifications in Islamic jurisprudence or are capable of ensuring Sharia compliance. This absence of specialized religious legal oversight is a significant risk.
• Limited Customization for Complex Estates: While the app is praised for its simplicity, this very simplicity might be a limitation for individuals with complex financial structures, overseas assets, or intricate family dynamics that require highly customized clauses beyond standard templates.
• Reliance on User Input for Legal Accuracy: The “multiple choice answers” mentioned in testimonials suggest a templated approach. While easy, this relies heavily on the user’s understanding of legal terminology and their specific needs, without the in-depth probing and advice a human solicitor would provide to identify potential pitfalls or missed opportunities.
• No Direct Evidence of Solicitor Oversight: While Smart-Will is a trading style of ‘C. J. Fisher & Co Ltd’, the website doesn’t explicitly state that the Wills are drafted or reviewed by qualified solicitors. It’s an “app,” implying automated generation, which carries inherent risks compared to a human legal professional.
• Data Privacy Concerns General: Although the website has a privacy policy, the general nature of online services means users must trust the platform with highly sensitive personal and financial data. The testimonial “I hope I’m not inundated with 3rd party offers and mailings but having read the terms and conditions: privacy notice these can if need be stopped? We shall see?” indicates some user apprehension regarding data use.
• Potentially Misleading “UK’s #1”: While the website states it’s “The UK’s #1 Will writing App!”, such claims are often self-proclaimed or based on specific, limited metrics e.g., app downloads, user numbers. There’s no independent verification of this ranking, and it doesn’t necessarily equate to the best or most comprehensive service, especially for niche requirements like Islamic Wills.

In conclusion, for Muslim users, Smartwill.app’s convenience and affordability come at the significant cost of potentially compromising adherence to Islamic inheritance laws.

It would be advisable for Muslims to seek specialized Islamic Will writing services or traditional solicitors with expertise in Fara’id to ensure their estate plan is both legally sound in the UK and religiously compliant.

Smartwill.app Alternatives

For individuals seeking a more robust, ethically compliant, or specialized approach to estate planning than what Smartwill.app appears to offer, especially for Muslims, several distinct alternatives exist. Desklog.io Review

These options range from traditional legal services to specialized online platforms, each with its own advantages and target audience.

Traditional Solicitors and Estate Planners

For those with complex estates, unique family situations, or specific religious requirements like Islamic inheritance, engaging a traditional solicitor or an estate planning expert is often the most reliable route.

• Key Features:
  • Personalized Legal Advice: Solicitors provide tailored advice based on individual circumstances, navigating complex legal nuances that automated apps cannot.
  • Complex Estate Structuring: They can advise on and draft more sophisticated arrangements like trusts, which might be necessary for tax planning, protecting vulnerable beneficiaries, or managing significant assets.
  • Sharia Compliance: Crucially, many solicitors now specialize in Islamic Wills Wasiyyah, ensuring compliance with Fara’id and other Sharia principles. They can also assist with charitable endowments Waqf.
  • Professional Indemnity Insurance: Solicitors carry insurance, offering protection and recourse in case of errors or negligence.
  • Witnessing and Execution: They guide the proper witnessing and execution of the Will, ensuring its legal validity.
• Pros: Highest level of legal accuracy and customization, expert guidance, professional liability, ability to handle intricate scenarios.
• Cons: Generally the most expensive option, requires in-person meetings though many offer virtual consultations, can be more time-consuming.
• Examples: Search for “Estate Planning Solicitors UK” or specifically “Islamic Will Solicitors UK“

Specialized Online Will Writing Services with Islamic Options

While Smartwill.app is a general online Will service, some platforms cater specifically to Islamic Will writing or offer more advanced features and legal review.

*   Sharia-Compliant Templates/Modules: These services integrate Fara'id rules into their Will drafting process, often with input from Islamic scholars. They guide users through specific Islamic provisions like charitable bequests and guardianship.
*   Guided Questionnaires: More detailed questionnaires than generic apps, designed to capture all necessary information for a compliant Islamic Will.
*   Legal Review often optional: Some services offer an optional review by a qualified solicitor often with Islamic law expertise for an additional fee, providing an extra layer of assurance.
*   Secure Storage: Many provide options for secure digital and/or physical storage of the Will.

• Pros: More affordable than traditional solicitors, convenient online access, designed for Sharia compliance if specified, often faster than traditional methods.
• Cons: Still relies on user input, may not cover every conceivable complex scenario, review by legal professionals might be an additional cost.
• Examples: Look for services like “Islamic Wills” or “My Islamic Will” in the UK.

Hybrid Models Online Draft + Solicitor Review

Some providers offer a blend of online convenience and professional oversight.

Users draft their Will using an online platform, and then a qualified solicitor reviews and finalizes the document. Fabula.me Review

*   Initial Online Drafting: Users complete a detailed questionnaire online.
*   Professional Review: A solicitor reviews the drafted Will for accuracy, completeness, and legal soundness, often providing feedback or suggestions.
*   Personalized Consultation: May include a brief consultation with the solicitor to discuss specific needs or complexities.

• Pros: Combines affordability and convenience of online drafting with the security and expertise of a professional review, a good middle-ground solution.
• Cons: Higher cost than purely online apps, still might not be as comprehensive as full solicitor engagement for highly complex cases.
• Examples: Many general online legal services are moving towards this model. Search for “online Will writing with solicitor review UK“.

DIY Will Kits Use with Extreme Caution, Especially for Muslims

These are physical or downloadable kits that provide templates and instructions for drafting a Will.

While seemingly the cheapest option, they carry the highest risk.

*   Templates: Pre-formatted documents that users fill in.
*   Instructions: Generic guidance on legal requirements for a Will.

• Pros: Very low cost.
• Cons:
  • High Risk of Error: Users without legal knowledge can easily make mistakes that invalidate the Will or lead to unintended consequences.
  • Lack of Customization: Not suitable for anything beyond the simplest estates.
  • No Legal Advice: No professional guidance on complex legal issues or tax implications.
  • Absolutely Not for Islamic Wills: These kits have no mechanism whatsoever to ensure compliance with Fara’id and would almost certainly lead to a non-Sharia-compliant distribution.
• Examples: Available from “stationery shops” or online. Strongly discouraged for Muslims.

For Muslims, the best alternatives unequivocally involve services that either specialize in Islamic Wills or traditional solicitors who have proven expertise in both UK and Islamic inheritance law.

The nominal savings offered by generic apps like Smartwill.app are not worth the potential spiritual and legal complications arising from a non-Sharia-compliant Will. Worldwincoder.com Review

How to Cancel Smartwill.app Subscription / Free Trial

The Smartwill.app website does not explicitly detail the process for cancelling a subscription or free trial on its main pages.

This lack of transparency regarding cancellation procedures is a common characteristic of online services, and it often requires users to delve into the “Terms & Conditions” or “FAQ” sections, or directly contact customer support.

Given that the service operates on a subscription or lifetime membership model, clear cancellation instructions are crucial.

Locating Cancellation Information

Based on common practices for online subscription services, users would typically find cancellation details in one of the following areas:

1. Terms & Conditions Webterms: The Smartwill.app website has a “Terms & Conditions” link in its footer. This document is the primary legal source for contractual agreements, including subscription terms, renewal policies, and cancellation procedures. Users should review this section thoroughly. It is legally binding and should contain the most accurate information on how to terminate the service.
2. Privacy Policy: While less likely to contain direct cancellation steps, the Privacy Policy might outline data retention post-cancellation or contact methods for account management.
3. FAQ Section: The FAQ section on the Smartwill.app homepage provides answers to basic questions like “What happens if I die without a Will?” and “How often should I update my Will?”. However, it does not include questions about account management or cancellation. This is a significant omission.
4. User Account Dashboard: For most subscription services, once a user logs in, their account dashboard usually contains a “Subscription,” “Billing,” or “My Account” section where they can manage their plan, view billing history, and find a cancel option.
5. Customer Support: If direct methods are not evident, contacting customer support via email or phone is the next step. The website does not provide direct contact details on the homepage for customer support, which is another oversight. The footer only lists the company address and registration numbers.

General Steps for Cancelling an Online Subscription

In the absence of clear instructions on the Smartwill.app homepage, the general steps to cancel a similar online subscription typically include: Vesaro.com Review

1. Log In to Your Account: Access your Smartwill.app account using your registered credentials.
2. Navigate to Subscription/Billing Settings: Look for a section often labeled “My Account,” “Subscription,” “Billing,” “Settings,” or “Plan Details.”
3. Find the Cancellation Option: Within this section, there should be an option to “Cancel Subscription,” “Manage Membership,” or “Turn Off Auto-Renewal.”
4. Follow On-Screen Prompts: The platform may ask for a reason for cancellation or offer alternatives. Complete these steps to confirm cancellation.
5. Receive Confirmation: Always ensure you receive a confirmation email or message stating that your subscription has been successfully cancelled. Keep this for your records.
6. Check for Refunds if applicable: Review the terms regarding refunds for partial periods or unused services. Most online subscriptions are non-refundable once a billing cycle has started.

Specific Considerations for Free Trials

If Smartwill.app offers a free trial which is not explicitly advertised on the homepage but common for such services, users should be particularly diligent.

• Trial Expiry Date: Note the exact end date of the free trial.
• Auto-Renewal: Most free trials automatically convert to a paid subscription unless cancelled before the trial period ends.
• Cancellation Before Charge: To avoid being charged, ensure cancellation is completed well before the trial expiry. It’s often advisable to cancel 24-48 hours in advance to account for any processing delays.

The lack of explicit cancellation information on the main Smartwill.app homepage is a potential red flag, as transparent cancellation policies are a hallmark of user-friendly and trustworthy online services.

Users should be prepared to dig into the terms and conditions or contact the company directly for clarity.

Smartwill.app Pricing

Based on the Smartwill.app homepage text, specific, clearly laid out pricing plans are not prominently displayed as a dedicated section.

Instead, pricing information appears to be scattered within customer testimonials, creating a somewhat opaque view of the cost structure. Scholes-emf.com Review

This approach can be confusing for potential users who want to understand the full financial commitment upfront.

Mentioned Pricing in Testimonials

From the provided testimonials, two different price points are mentioned:

• £79: One customer Claire stated, “At first I thought £79 was expensive, then when I read that smart will send you an actual physical Will that you can update on your handset at any time at no extra cost, I realised it wasn’t expensive at all compared to a solicitor or will writing company. Highly Recommended!” This suggests a £79 one-time payment for a “lifetime membership” that includes unlimited updates and a physical Will. This seems to be the primary offering for long-term value.
• £19.99: Another customer Claire, possibly a different one or an older pricing model mentioned, “Mum needed a will and didn’t want the backwards and forwards to solicitors etc. For 19.99 we had a will we could spend time on creating.” This suggests a £19.99 price point for a single Will. It’s unclear if this includes updates or other services, or if it represents an older, basic tier that might have been discontinued or altered. It could also be a promotional rate or a specific type of Will.

The discrepancy in pricing mentioned £19.99 vs. £79 within the testimonials is a point of confusion.

It implies either different tiers, an outdated testimonial, or a basic versus premium offering that is not clearly articulated on the homepage.

Most reputable services would have a dedicated “Pricing” or “Plans” page that breaks down exactly what each cost entails. Instant-deals.com Review

Implied Value Proposition

Despite the lack of clear pricing structure, the website heavily emphasizes the value proposition, primarily comparing its cost to that of traditional solicitors:

• “It cost me half the price of the quote of my local solicitor.” Bek Jones
• The £79 price is defended as “not expensive at all compared to a solicitor or will writing company” because it includes “an actual physical Will that you can update on your handset at any time at no extra cost.”

This focus on affordability relative to traditional legal services is a key marketing strategy.

The unlimited updates for life are presented as a significant value, suggesting that the initial outlay covers future changes, which can accrue substantial costs with a solicitor.

What’s Missing from the Pricing Information

• Clear Tiers: A common practice is to offer multiple tiers e.g., basic, standard, premium with different features and price points. The website doesn’t clearly delineate if such tiers exist.
• Subscription vs. One-Time Payment: While “lifetime membership” implies a one-time fee, the initial phrase “Smart will members” could suggest a subscription model. Clarity on this is essential.
• Additional Services/Hidden Fees: It’s unclear if there are any add-on services e.g., secure Will storage, power of attorney documents, express delivery that incur additional costs beyond the stated prices.
• Refund Policy: No information about a refund policy is readily available on the homepage.
• Free Trial Details: If there’s a free trial, its duration and conversion to paid service are not mentioned.

In summary, while Smartwill.app markets itself as an affordable alternative to solicitors, its pricing structure is not transparent on the main page, forcing users to piece together information from testimonials.

For a service dealing with crucial legal documents, clearer and more comprehensive pricing details are highly advisable for building user trust and ensuring informed decisions. 3dissue.com Review

Smartwill.app vs. Traditional Solicitors Islamic Perspective

When evaluating Smartwill.app against traditional solicitors, particularly from an Islamic perspective, the comparison shifts dramatically beyond mere cost and convenience.

While Smartwill.app prioritizes speed and affordability for a general UK Will, traditional solicitors, especially those specializing in Islamic law, offer a depth of expertise and customization that is paramount for Muslims seeking to adhere to Sharia inheritance principles.

Customization and Complexity

• Smartwill.app: The app’s strength lies in its simplicity. It’s designed for relatively straightforward Wills, likely using a templated, multiple-choice format. This is suitable for individuals with basic asset structures and standard UK legal requirements. The customization options are inherently limited to what the app’s predefined fields allow.
• Traditional Solicitors Islamic Specialization: These professionals can handle virtually any level of complexity. For Muslims, this means drafting a Will that not only complies with UK law but also meticulously adheres to Fara’id Islamic inheritance law. This involves:
  • Specific Shares: Calculating and applying the precise shares for various heirs e.g., Quranic heirs like spouses, children, parents, and residuary heirs.
  • Wasiyyah Bequest: Guiding the testator on permissible bequests up to one-third of the estate to non-heirs or charities, ensuring the remaining two-thirds are distributed according to Fara’id.
  • Waqf Endowments: Structuring charitable endowments for perpetual benefit.
  • Guardianship: Specifying guardians for minor children who will raise them according to Islamic principles.
  • International Assets: Advising on assets held in multiple jurisdictions, which might have different legal systems.
  • Tax Planning: Integrating inheritance tax planning within Sharia boundaries.
  • Complex Family Structures: Addressing blended families, adopted children with Islamic considerations, or dependents with special needs in a Sharia-compliant manner.

Legal Accuracy and Oversight

• Smartwill.app: While the website offers a “free consultation with our experts,” there’s no explicit claim that these experts are qualified solicitors or, more importantly for Muslims, specialists in Islamic law. The reliance on an app implies automated generation, which, while efficient, may lack the nuanced legal review a human professional provides. There is no mention of external legal validation or a Sharia board.
• Traditional Solicitors Islamic Specialization: When you engage a solicitor, you are receiving personalized legal advice from a qualified and regulated professional. They have a duty of care, are bound by professional ethics, and carry professional indemnity insurance. This means:
  • Risk Mitigation: They can identify potential legal pitfalls, ambiguities, or errors that an automated system might miss.
  • Sharia Validation: Solicitors specializing in Islamic Wills will ensure the document is robust from both UK legal and Islamic perspectives, often having studied Islamic jurisprudence or working with Islamic scholars.
  • Ongoing Advice: They provide advice not just on drafting the Will, but on broader estate planning strategies, asset protection, and potential future changes.

Ethical and Religious Compliance

• Smartwill.app: The website offers no mechanism or guarantee for Sharia compliance. A Will drafted through Smartwill.app would be a secular UK Will, and without specific Islamic guidance, it is highly probable that its distribution clauses would conflict with Islamic inheritance laws. This could lead to a situation where the deceased’s assets are distributed in a manner contrary to their religious obligations, potentially causing spiritual distress to the family or the deceased.
• Traditional Solicitors Islamic Specialization: This is where specialized solicitors excel. Their primary goal, when instructed for an Islamic Will, is to ensure the document fully adheres to Sharia. This is not merely a “preference” but a fundamental religious obligation for many Muslims. A Sharia-compliant Will ensures that the distribution of wealth aligns with divine commands, providing peace of mind to the testator and fulfilling a crucial religious duty.

Cost vs. Value

• Smartwill.app: Positions itself as highly affordable e.g., £79 for lifetime access compared to solicitors. This is its main draw for budget-conscious users seeking a quick solution.
• Traditional Solicitors Islamic Specialization: Are undoubtedly more expensive, with fees potentially ranging from hundreds to thousands of pounds depending on complexity. However, for a Muslim, the “value” is not just legal validity but also religious compliance and spiritual peace. Investing in a Sharia-compliant Will is an investment in fulfilling an Islamic duty and ensuring the proper distribution of wealth according to Allah’s command. The potential for legal disputes or religious non-compliance arising from an improperly drafted Islamic Will can far outweigh the initial cost savings of a generic online service.

In conclusion, while Smartwill.app offers convenience and affordability for a general UK Will, it falls critically short for Muslims due to its complete lack of Sharia compliance features.

For those seeking to fulfill their religious obligations in estate planning, investing in a specialized Islamic Will solicitor or a reputable online service with certified Islamic legal oversight is not just an alternative, but a necessity.

The true cost of a non-compliant Will far exceeds any initial financial savings. Fxxtrader.com Review

How to Draft an Islamic Will Wasiyyah

Drafting an Islamic Will, or Wasiyyah, is a crucial act for Muslims, as it ensures that one’s estate is distributed according to both Islamic law Sharia and local civil law.

Unlike conventional Wills, an Islamic Will adheres to specific rules of inheritance Fara’id prescribed in the Quran and Sunnah.

This is a complex process that requires careful consideration and often professional guidance.

Key Principles of Islamic Inheritance Fara’id

Before drafting, it’s essential to understand the core principles of Fara’id:

• Fixed Shares: The Quran specifies fixed shares for certain primary heirs e.g., spouse, parents, children under various circumstances. These shares must be applied to at least two-thirds of the net estate after debts and funeral expenses.
• Limitation on Bequests Wasiyyah: A Muslim can only bequeath up to one-third 1/3 of their net estate to individuals who are not legal heirs as defined by Fara’id or to charitable causes. Any bequest exceeding one-third requires the explicit consent of all legal heirs after the testator’s death.
• Debts and Funeral Expenses First: Before any distribution or bequest, all debts including Mahr, Zakat, and outstanding loans and funeral expenses must be settled from the estate.
• Residuary Heirs: If any portion of the two-thirds remains after distributing to the fixed-share heirs, it goes to the residuary heirs e.g., sons, brothers, etc. according to specific rules.
• Guardianship Wali: The Will should specify guardians for minor children, ensuring they are raised in an Islamic environment.
• Executors Wasi: Appointing trustworthy individuals often called Wasi to carry out the Will’s terms, manage assets, and settle debts is vital. These executors should be Muslims.

Steps to Draft an Islamic Will Wasiyyah

Due to the intricate nature of Fara’id and the need to reconcile it with local civil law, it is highly recommended to seek professional assistance. Ediscountfactory.com Review

1. Consult with a Qualified Islamic Scholar or Lawyer specializing in Islamic Inheritance Law: This is the most critical step. A generic Will service will not suffice. An expert will:

   • Explain the intricacies of Fara’id and its application to your specific family structure.
   • Help identify all potential legal heirs according to Islamic law.
   • Advise on permissible bequests and charitable endowments Waqf.
   • Ensure the Will is legally valid under UK law while adhering to Sharia.
   • Address potential conflicts between Sharia and UK law and how to mitigate them.

2. Gather Comprehensive Information: Provide your chosen expert with all necessary details:

   • Personal Details: Full legal name, address, date of birth, marital status.
   • Family Details: Names and relationships of all family members, including spouses, children living and deceased, parents, siblings. This is crucial for Fara’id calculations.
   • Assets and Liabilities: A detailed list of all assets properties, bank accounts, investments, businesses, personal belongings, digital assets and liabilities debts, loans, mortgages, Mahr, Zakat.
   • Desired Bequests Wasiyyah: Specify any individuals non-heirs or charities you wish to benefit, ensuring these do not exceed one-third of the net estate.
   • Guardians for Minors: Nominate suitable Muslim individuals to act as guardians for any children under 18, who will raise them according to Islamic principles.
   • Executors Wasi: Nominate at least two trustworthy Muslim individuals to act as executors of your Will. Consider appointing substitute executors.

3. Drafting the Will: The expert will draft the Wasiyyah, ensuring it includes:

   • Declaration of Faith Shahada: A common practice in Islamic Wills.
   • Confirmation of Muslim Identity: Clearly stating that the testator is Muslim.
   • Directions for Funeral Rites: Instructions for a proper Islamic burial.
   • Payment of Debts: Clear instructions to settle all outstanding debts.
   • Specific Bequests if any: Details of the one-third portion of the estate to be distributed.
   • Distribution According to Fara’id: Explicit clauses stating that the remaining two-thirds or the entire estate if no specific bequests shall be distributed strictly according to Islamic inheritance law, often referencing a detailed schedule of shares or specifying that an Islamic scholar should be consulted.
   • Guardianship Clauses: Clear instructions for the guardianship of minors, including their Islamic upbringing.
   • Appointment of Executors Wasi: Naming the individuals responsible for executing the Will and ensuring they are Muslims.

4. Review and Finalize: Carefully review the drafted Will with your expert to ensure it accurately reflects your wishes and complies with both Sharia and civil law. Ask questions about any unclear clauses.

5. Proper Execution: The Will must be signed and witnessed correctly to be legally valid in the UK. Evtlindia.com Review

   • Signature: The testator must sign the Will in the presence of two independent adult witnesses.
   • Witnesses: The two witnesses must also sign the Will in the presence of the testator and ideally each other.
   • No Beneficiary as Witness: Crucially, a witness cannot be a beneficiary of the Will, or their entitlement will be invalidated. This applies to their spouse as well.

6. Secure Storage: Store the original Will in a safe and accessible place, and inform your executors and trusted family members of its location. Consider using a secure Will storage service provided by your solicitor.

7. Regular Review: Review your Islamic Will periodically e.g., every 3-5 years or after significant life events marriage, divorce, birth/death of children, major financial changes to ensure it remains current and aligned with your wishes and Islamic principles.

Drafting an Islamic Will is an act of worship and a means of fulfilling a crucial duty to Allah and one’s family.

It brings immense peace of mind, knowing that one’s affairs will be handled justly and according to divine guidance after death.

FAQ

What is Smartwill.app?

Smartwill.app is an online platform that allows individuals in the UK to create and manage their Last Will and Testament quickly and easily, typically advertised as taking just a few minutes.

Is Smartwill.app legitimate?

Based on the information provided on its website, Smartwill.app is a trading style of ‘C. J.

Fisher & Co Ltd’, a registered company in the UK company number 11749223. It provides a service for drafting legally binding Wills in the UK.

How much does Smartwill.app cost?

The pricing is not explicitly listed in a dedicated section on the homepage.

However, testimonials mention costs such as £79 for a “lifetime membership” with unlimited updates and a physical Will, and also a £19.99 price point in an older testimonial, suggesting potential different tiers or pricing changes.

Does Smartwill.app offer a free trial?

The homepage text does not explicitly mention a free trial offer.

Users would need to check the full terms and conditions or the sign-up process for details.

How long does it take to create a Will with Smartwill.app?

The website prominently advertises that it “takes just a few minutes” or “10 minutes” to prepare a Will using their app.

Does Smartwill.app provide a physical copy of the Will?

Yes, customer testimonials indicate that Smartwill.app sends “an actual physical Will” to the user.

Can I update my Will multiple times with Smartwill.app?

Yes, for users with the “lifetime membership,” the website states they get “unlimited usage so you can rest assured you can update your will free, for life, with no extra fees.”

Is Smartwill.app suitable for complex estates?

The website emphasizes simplicity and speed, which suggests it is primarily designed for straightforward Will writing.

For complex estates involving numerous assets, overseas property, or intricate family structures, a traditional solicitor might be more suitable.

Does Smartwill.app provide legal advice?

The website states that members can “book a free consultation with our experts to verify the Will meets your needs.” However, it doesn’t specify if these are qualified solicitors or if they provide comprehensive legal advice beyond verifying the template’s completion.

How does Smartwill.app compare to a traditional solicitor?

Smartwill.app is generally much faster and more affordable than a traditional solicitor.

However, solicitors offer personalized legal advice, in-depth estate planning, and the ability to handle highly complex or specialized cases, which an app might not fully address.

Is Smartwill.app compliant with Islamic inheritance law Fara’id?

No, the website does not mention any features or provisions for compliance with Islamic inheritance laws Fara’id. A Will drafted through Smartwill.app would be a general UK Will and is highly unlikely to meet specific Sharia requirements without significant modification or additional expert guidance.

Are there Islamic alternatives to Smartwill.app?

Yes, Muslims seeking to draft a Sharia-compliant Will Wasiyyah should consult specialized Islamic Will writing services or solicitors who have expertise in both UK law and Islamic inheritance law.

How do I cancel my Smartwill.app subscription?

The website does not provide explicit cancellation instructions on its homepage.

Users would typically need to log into their account dashboard, check the Terms & Conditions, or contact customer support directly for cancellation procedures.

What happens if I die without a Will in the UK?

If you die without a Will intestate in the UK, your estate will be divided according to intestacy laws, which are statutory rules that dictate how assets are distributed, potentially not reflecting your personal preferences or specific religious requirements.

Does Smartwill.app help reduce inheritance tax?

The website claims that sensible estate planning through a Will, including giving to charity, “can reduce the amount of Inheritance Tax your family will pay.” However, detailed tax advice would likely require a specialist.

Can Smartwill.app help with appointing guardians for children?

Yes, the website mentions that one of the benefits of having a Will is being able to tell people “who should be nominated as guardians.”

How secure is my data with Smartwill.app?

The website has a Privacy Policy and mentions ICO registration, indicating compliance with data protection regulations.

However, as with any online service, users should review their privacy terms.

What is an executor in a Will?

An executor is the person or people you choose in your Will to carry out your wishes, manage your estate, settle debts, and distribute assets after your death.

Why is an Islamic Will Wasiyyah important?

An Islamic Will is important for Muslims to ensure their estate is distributed according to Allah’s commands Fara’id, fulfilling a religious obligation and providing spiritual peace for the deceased and their family, in addition to complying with local civil law.

Does Smartwill.app store my Will?

One testimonial mentions “free will storage” after printing, signing, and sending it back, suggesting they offer a storage service, though details are not prominent on the main page.