The thing that bugs me is that the last two people who needed them paid £250 each, and the next person who needs one will also pay £250, but the only change is crossing out some names and writing in others. There's nothing in there that tailors it to my personal circumstances or anything like that. But I need their imprimateur if the life insurance company are to accept it, and they charge a lot for that.
Is there a way I can pay a once-off fee to get the proper legal stamp of approval on a template document, which I and other people can then fill in the blanks on and use, with no further charges?
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