Research findings: 90% of adults aged 35 to 44 don’t have a Will leaving their families vulnerable to hardship and legal disputes

Our recent survey of just over 2000 UK adults revealed a worrying gap in legal protection, especially amongst people aged under 65.

Only 41% of those surveyed said they had made a Will and of those, 45% were aged 65 or over. This means that a significant number of people in the age groups most likely to have both assets and dependents don’t have a Will.

In particular, 90% of people aged 35 to 44 and 83% of those aged 45 to 54 don’t have a Will. Not having a Will in place when you die means that intestacy laws will determine how your assets are distributed, regardless of what your wishes may have been. This can lead to delays in getting matters sorted, causing stress and hardship for the people left behind and sometimes even legal disputes.

Interestingly, the same survey asked which employee benefits were valued the most and help with preparing legal documents, such as Wills was rated as valuable by 83% of respondents. This suggests if employers were to provide a Wills service as a benefit, more adults would make one and so protect the interests of their loved ones.

Read the full findings here.

For more information about our Wills preparation service, please don’t hesitate to call 020 8731 2424 or email

Press release: Employees value health policies and legal advice ahead of gym membership

New research by Epoq Legal indicates that employees welcome benefits that support individual responsibility

Over 80% of employees value pension, health, legal and protection services, way ahead of the arguably ‘softer’ benefits such as gym membership (62%) and childcare vouchers (41%), according to Epoq’s new research.

This was the case across all age groups, aside from the 18 – 24-year-old category where gym membership appears in joint second place at 92% alongside critical illness insurance. The research was carried out by Opinium on Epoq’s behalf (May 2017) and surveyed 2,002 nationally representative UK adults.

Epoq Commercial Director, Andrew Walker, commented: “Our findings indicate that the majority of employees are looking to employers to offer the kind of benefits strategy that educates, enables and empowers them to protect their future wellbeing.

“Against this backdrop, giving individuals access to the type of benefits that will help them protect their interests – such as pensions, health, protection, legal advice and documents – will clearly be a welcome move.”

Legal advice is typically offered via an Employee Assistance Programme although it is increasingly being combined with online legal document services and offered as an added value service on health and protection products.

With regard to legal documents, the survey also found that access to – and help with – legal documents, such as a Will, also featured highly (83%) in the overall list of most valued employee benefits.

Andrew Walker adds: “The need for such support is clearly there and would likely be highly valued, especially when you consider that the majority of respondents indicated that they had not yet made a Will. Legal advice should include not just helplines, but also online access to tools such as document templates that help people to take action and protect their interests.”

59% of adults don’t have a Will

The survey took a deeper look this aspect and found that only just over two-fifths of respondents (41%) have a Will, the majority of whom (45%) are in the 65+ age bracket.

The ages at which most people are most likely to have a mortgage and dependants also represent the age brackets least likely to have a Will (9% in the 25 – 34 age bracket and 10% in the 35 – 44 age bracket).

“Clearly there’s a need here and if employers were to provide a Wills service as a benefit, it stands to reason that more adults would make one and so protect the interests of their loved ones.” says Mr Walker.

– Ends –

See an infographic of the complete findings here.

For more information about this research or our services, please call us on 020 8731 2424 or email


What benefits do employees value the most? Read the results of our survey

Recent research from Epoq Legal indicates that employees look to employers to help them protect their interests should things go wrong

As a provider of online legal services, Epoq is used by organisations from a number of sectors to help them give more value to their customers, clients, members or employees.  Our services are most often provided as an addition to a core product such as an insurance policy, but we have seen more interest from employers who are keen to enhance their employee benefits and wellbeing programmes.

In order to find out what sort of services today’s employees value the most, we commissioned Opinium to conduct a survey on our behalf in May 2017. In all, 2,002 UK adults were questioned online and asked to rate the value of services from a list of twelve commonly offered benefits. They were also asked if they had made a Will.

Pensions (95%) and flexible working (91%) most valued benefits

The results show a clear winner with a pension being rated as valuable by 95% of respondents; a rate that was consistent across all age groups.

Flexible working followed a close second at 91%, with 25 to 34 (94%) and 35 to 44 (91%) year olds valuing it the most – perhaps unsurprisingly as these age groups are more likely to have young dependent children. However, the age group 18 to 24 also rated the benefit highly at 90%, suggesting that the younger generation of workers are looking for a less rigid approach to working hours. The age groups valuing flexible working the least were 55 to 64 (85%), 65+ group (87%) and 45 to 54 (89%).

Employees want help to protect their interests

Health insurance was most valued by the 65+ age group (93%), but also by 35 to 44 (92%) and 25 to 34 (91%), which again may be as a result of having young families. Overall, 89% of respondents valued health/medical insurance.

Employees’ desire for help with protecting their interests when things go wrong was further highlighted by the fourth most valued benefits, which were jointly life insurance and legal advice (87%), followed by critical illness insurance (86%) and income protection insurance (85%). Clearly, employees are increasingly aware and worried about the risks to their livelihoods of illness or dying unexpectedly and are keen ensure they and their families are protected.

59% of adults don’t have a Will

Help with preparing legal documents, such as Wills was valued by 83% of respondents, particularly the groups aged 25 to 34 (88%) and 35 to 44 (87%). This finding is correlates with the response to the question of who had made a Will, where shockingly 90% of 35 to 44 year olds and 91% of 25 to 34 year olds do not have a Will. This suggests if employers were to provide a Wills service as a benefit, more adults would make one and so protect the interests of their loved ones. Overall, only 41% of adults have a Will and most of those (45%) are aged 65+.

Legal wellbeing – the next step for holistic employee wellbeing programmes?

Our recent survey* of 2000 adults in the UK told us that:

•    93% have experienced a consumer rights problem
•    54% of problems are left unresolved
•    43% of people feel frustrated; 36% feel angry
•    59% do not have a Will

What can employers do to help employees deal with legal issues and minimise stress and absences from work?

Download a copy of our recent webinar presentation to find out how a legal services benefit can play an important role in the provision of more holistic wellbeing programmes that are relevant to employees of all ages.

Would like to know more?

Email or call us on 020 8731 2424.

* Epoq survey of 2,002 consumers conducted by Opinium, May 2017

Legal wellbeing – the missing piece of a truly holistic employee wellbeing programme

Our survey* of 2000 adults in the UK told us that:

•    93% have experienced a consumer rights problem
•    54% of problems are left unresolved
•    43% of people feel frustrated; 36% feel angry
•    59% do not have a Will

What can employers do to help employees deal with legal issues and minimise stress and absences from work?

Find out during our latest 20-minute webinar when we will explain how a legal services benefit can play an important role in the provision of more holistic wellbeing programmes that are relevant to employees of all ages.

Date: Wednesday 7th June 2017
Time: 10:00
Duration: 20 minutes
Presenter: Andrew Walker, Commercial Director, Epoq

Register here and we’ll be in touch with further information.

Can’t make it, but would like to know more?

Email or call us on 020 8731 2424.

* Epoq survey of 2,002 consumers conducted by Opinium, May 2017

93% of adults in the UK have experienced a consumer rights problem, but 54% of problems are unresolved

Epoq has been providing online legal document services for many years and aims to make access to legal help as easy as possible for people. Typically, our services are used to prepare quite complex documents like wills, powers of attorney, divorce applications and tenancy agreements.

However, there are many other less complex, but aggravating legal matters that affect people as they go about their daily lives and which can often be easily resolved with the appropriate letter, document or form.

To find out more about the sorts and frequency of consumer problems experienced by people in the UK, we commissioned research agency Opinium, to conduct a survey on our behalf. In all, 2,002 adults were questioned online and asked to indicate if they had experienced any of a range of problems, from faulty products and bad service, to noisy neighbours and undeserved parking fines.

The results reveal a high incidence of common consumer problems, with 93% of respondents saying that they had experienced at least one of the problems listed (see below). It’s also clear from the results that UK consumers are prepared to stand up for their rights and complain, with 71% taking steps to get the problem resolved.  However, overall 54% of problems experienced are left unresolved, either because consumers are reluctant to complain in the first place (29%) or when they do complain, their appeal for recompense fails.

The most commonly experienced and complained about problem was a faulty product bought either online or from a shop. 71% of people experienced the problem, 92% of them complained and 90% managed to get the problem resolved. This suggests that retailers are taking the Consumer Rights Act seriously and compensating consumers when appropriate as required by the law.

Bad service or food from a restaurant was the second most commonly experienced problem (69%), with 80% of people who complained indicating that the problem was resolved. The ability to complain there and then might explain the high incidence of resolution for this complaint.

The third most experienced problem was noisy or inconsiderate neighbours (57%). However, it appears that while consumers are prepared to take on retailers and service providers, they are reluctant to challenge their neighbours, with less than half (47%) of people experiencing a problem neighbour complaining. And, when they did complain, the problem was resolved in only 56% of cases.

Those little things that get in the way …

I read an article yesterday that I thought summed up the need for employers to really think about what they can do to help their employees in times of need.

The article is here.

The use of the phrase “whole life wellbeing” is crucial to understanding what’s going on here; aside from the obvious elements of wellbeing such as health and fitness, more and more employers are turning their attention to things like the financial wellbeing of their staff, recognising that financial worries can be a major contributor to stress, and even family breakdown. And of course, these worries can take many different forms at different life stages.

But it’s possible to go further than just financial support;  giving employees the tools to deal with some of the more minor, but often  regular issues – you know, the day-to-day “niggles” that get in people’s way – can also help them stay healthy, happy, focused and productive.

In the last 6 months or so we at Epoq have been working with employers, benefit platforms and EAP providers to embed some simple but really effective tools into the employee benefit mix. Whether it’s helping employees deal with a nuisance neighbour, challenge an unfair parking ticket, make a consumer complaint or get their estate in order, simply having access to our tools is proving something of a hit all round.

So, have a think about that concept of “whole life wellbeing” and ask yourself if you are doing enough to support your staff for their benefit and, of course, your own.

Andrew Walker is the commercial director at Epoq.

Whitepaper: The FCA’s transparency at renewal rules – a threat or an opportunity?

The Financial Conduct Authority (FCA) is introducing new measures to increase the transparency of information provided by insurers to policyholders when they come to renew their cover. These measures will come into effect on 1st April this year and are part of the regulator’s efforts to improve outcomes for customers.

In our latest whitepaper, we discuss the impact of these new rules and suggest ways in which insurers can respond to them and benefit in the longer term.

Please feel free to download a copy from here.

For more information, call us on 020 8731 2424 or email

Epoq Legal and ZICO Partner to Deliver Technology-Enabled Legal Services to the ASEAN Region

London, 21st February 2017 – Epoq Legal, a leading provider of document automation systems recently announced a partnership with Singapore-headquartered multidisciplinary professional service provider, ZICO Holdings Inc. (ZICO) to develop online legal services in the ASEAN region.

Legal services will be delivered via ZICO’s newly established subsidiary, ShakeUp Online Sdn. Bhd. (ShakeUp), which will provide integrated professional services online under the ShakeUp brand directly and via third party distribution arrangements, as well as by General Counsel.

ShakeUp’s platform will address the needs of small medium enterprises (“SMEs”) in the ASEAN region* for legal documents that are easy to use and affordable through an integrated online platform.

In addition to its direct-to-SME platform, ShakeUp will partner with large companies and institutions in the ASEAN region to provide innovative products and services to their customers. It will also offer Epoq Legal’s technology to help these organisations improve the quality and cost efficiency of their in-house support services.

ShakeUp is collaborating with Epoq Legal by way of a Licence and Support Agreement, which will see ShakeUp’s services powered by Epoq’s pioneering and proven document automation system. Epoq Legal will assist ZICO in the development of a legal services website and provide an application programming interface (API) driven solution to facilitate customer access and online payment. It will also provide ZICO with a back-end document workflow system and reporting tool. Furthermore, ZICO will be engaging Epoq Legal’s consultancy service for help in the creation of legal document precedents.

 Richard Cohen (pictured), Executive Chairman and Head of Partnerships at Epoq Legal, said, “We are delighted to be partnering with ZICO in the development and launch of Shakeup Online. A pioneer of legal document automation, Epoq’s technology is already trusted by many major institutions and law firms, in both the UK and North America to deliver high-quality online legal services to consumers and SMEs, as well as large companies and institutions. Our partnership with ZICO will give SMEs in the ASEAN region easy and affordable access to legal services, as well as broaden the reach of our technology into a new and currently unserved territory.”

 Chew Seng Kok, Managing Director of ZICO, said, “We seek always to add new service offerings, establish new distribution channels for our existing services offerings, and reach out to a wider pool of clients. ShakeUp’s launch is in line with this strategy and is made possible through our partnership with Epoq Legal and the use of its pioneering legal document automation technology.”


 *SMEs account for 88.8% to 99.9% of business establishments in ASEAN member states retrieved from


 ZICO is an integrated provider of multidisciplinary professional services focused on the ASEAN region. It is listed on Catalist Board of the Singapore Exchange Securities Trading Limited since 11 November 2014. ZICO caters for the full spectrum of the business life cycle – from advising on market entry, implementing business strategies, supporting and optimising business operations, to business exit strategies. It currently operates in three key business segments: (i) advisory and transactional services; (ii) management and support services; and (iii) licensing services. Together with the ZICOlaw Network, ZICO has a presence in 9 out of 10 ASEAN countries.

Epoq exhibiting at Employee Benefits Connect

child-drawing-2Visit us on stand C03 where we’ll be showcasing Legal for Life, our new service for the employee benefits market.

Designed to meet the legal needs of a multi-generational workforce, Legal for Life allows employers to extend their range of benefits and provide a genuinely useful service for employees and their families.

Legal for Life includes online jargon-free law guides, customisable legal documents and expert advice covering a range of legal matters including wills, trusts and powers of attorney, as well as more everyday issues such as disputing a parking fine or claiming compensation for a flight delay.

To find out more, visit the Employee Benefits Connect website or call us on 020 8731 2424.