IFG Wills is the cheapest widely used online Islamic will service in England and Wales. On 9 September 2026 its page lists a standard Islamic will at £98 and a trust-based will at £348, both completed through a 20-minute online form and delivered as a document you print and sign in front of two witnesses. The will is drafted and checked by the founders, Ibrahim Khan and Mohsin Patel, described as qualified solicitors, with an external Mufti consultant, Billal Omarjee, named on the page. It is built for English law only, so Scottish residents and people with business or overseas assets need a solicitor. Start with the UK Islamic will hub if you are unsure whether you need a will at all.
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What IFG Wills costs and what each tier includes
The IFG Wills provider page and the service's own site agree on the pricing. The standard Islamic will is £98 and is described as suitable for most people with simple estates. The trust-based will is £348 and is flagged as particularly relevant for estates above £325,000, which is the inheritance tax nil-rate band published on gov.uk. Both tiers follow the same three-step flow: answer the wills form, IFG drafts the legally binding document, then you print and sign it.
Updates are priced separately. The FAQ offers a one-off £30 change fee or a £10 a year subscription for unlimited changes, which matters because an Islamic will has to be revisited whenever an heir is born, marries or dies. There is also a £10 referral credit each way for the referrer and the new customer, which the site notes works out at over 20% off for a couple buying two wills. We did not find any extra charge for the Mufti review or for the basic tax-planning check; both are described as part of the £98 price.
| Tier | Price | Who IFG says it is for | Update options |
|---|---|---|---|
| Standard Islamic will | £98 | Most people with simple estates | £30 one-off or £10 a year unlimited |
| Trust-based will | £348 | Estates above £325,000, heirs on means-tested benefits, people who want trustee discretion | £30 one-off or £10 a year unlimited |
Who reviews the will and what the Mufti actually checks
The wills page names three people under the heading Legal and Sharia Experts: Ibrahim Khan, described as an Alim and lawyer; Mohsin Patel, described as a lawyer; and Billal Omarjee, described as an external Mufti consultant. The FAQ says the wills are fully legal and binding in England and Wales and that the team are qualified and registered solicitors. We have not seen a separate Shariah certificate for the template itself, and the site does not publish one, so the assurance rests on these named reviewers rather than on a board.
The practical value of the review is spelled out in the FAQ. IFG says roughly 70% of the wills it sees contain legal drafting errors before correction, and roughly 50% contain Islamic errors in the proposed bequests, most often a wasiyyah gift that exceeds the one-third limit or that goes to someone who already inherits under Faraid. The Mufti review is there to catch exactly that. The service also says it refers customers to a tax advisory firm where the estate looks inefficient, which is a referral rather than advice included in the price. If you want to see the fixed shares your heirs would take, the Faraid versus English intestacy calculator guide walks through the maths.
What the trust-based will does that the standard one does not
A standard Islamic will leaves fixed Faraid shares to named heirs outright. The IFG trust-based will instead leaves the estate into a discretionary trust, with trustees instructed to distribute according to the Shariah shares. IFG's own explainer, last updated 24 December 2025, says the document was designed with a wills barrister from Ten Old Square Chambers and that it exists to give trustees flexibility over timing and tax treatment. Distributions made within two years of death are read back into the will for tax purposes, so a family that simply pays out the Faraid shares promptly can dismantle the trust without extra cost.
The trade-off is complexity. A discretionary trust can face a periodic charge on each ten-year anniversary of up to 6% of assets above the nil-rate band, as IFG's explainer acknowledges, and trustees have ongoing duties and possible registration and reporting. IFG lists three situations where the structure earns its keep: an estate above £325,000 where inheritance tax planning matters, an heir who receives means-tested benefits and would lose them on receiving a lump sum, and a family that wants trustee discretion because the Islamic heirs may change before the will is updated. For the tax background, see our inheritance tax and Islamic wills explainer.
- Estate comfortably below £325,000 and no benefits claimants among heirs: the £98 standard will is the right product.
- Estate above £325,000 or a home being passed to children where the residence allowance applies: ask IFG to flag the trust-based option, which it says it does automatically from the form answers.
- A child or sibling on Universal Credit or similar: the trust-based will lets trustees hold the share without it counting as capital straight away.
- Business shares, farmland or foreign property: neither tier is enough on its own; take the draft to a solicitor who can add the right clauses.
Process, turnaround, witnessing and updates
The form takes about 20 minutes according to the site. If the team has questions they contact you within three to five working days, and the drafted will follows by email shortly after. You then print it and sign in the presence of two witnesses who are both over 18, who sign in your presence, as gov.uk's guidance on making a will requires. Witnesses and their spouses cannot inherit under the will, so do not ask an heir to witness. The will is not valid until this step is done, and any later change must be signed and witnessed in the same way.
IFG says its wills are drafted so that a subsequent legal marriage does not revoke them, which is a common trap for couples who have had a nikah but not a civil ceremony. Guardianship for minor children is covered in the form; our guide to guardianship clauses in Islamic wills explains what to decide before you start. The site also mentions a planned feature to refresh the asset schedule automatically from live data, described as coming within six months, which we treat as unreleased until it appears in the product.
Where IFG Wills stops: Scotland, business assets and overseas property
IFG states that its wills are legal and binding in England and Wales. It does not say they are valid in Scotland, where succession law, the rules on legal rights for spouses and children, and the formalities differ, or in Northern Ireland. A Scottish resident should use a solicitor with Scots law experience. The same applies to anyone whose estate includes a trading company, a partnership share, agricultural property or a home abroad, because the reliefs and the cross-border recognition questions are not something an online form can resolve. IFG's own FAQ steers complex cases to a conversation with its team first.
There is one more limit to say plainly. A will, standard or trust-based, is not a tax plan on its own. Gov.uk sets the inheritance tax rate at 40% above the £325,000 threshold, with the threshold rising to £500,000 where a home passes to children or grandchildren and a reduced 36% rate where at least 10% of the net estate goes to charity. IFG's basic tax-planning tips can point you at these, but lifetime gifting, pension nominations and property ownership structure need separate attention, and the estate planning hub sets out the full checklist.
IFG Wills against Wahed Wills and a solicitor
This is context, not a head-to-head; the full comparison is in IFG versus Wahed versus a solicitor. Wahed Wills runs a similar online process from Wahed's London office with specialist checking and a preview-before-payment step, and publishes its own price on its site. A regulated solicitor firm such as Islamicwills.co.uk, run by Farani Taylor Solicitors, costs more but brings Solicitors Regulation Authority accountability, bespoke drafting and the ability to handle Scottish, business and overseas questions.
| Option | Published price | Who checks it | Best fit |
|---|---|---|---|
| IFG Wills standard | £98 | Solicitor founders plus external Mufti | Simple English estate, cost-sensitive |
| IFG Wills trust-based | £348 | Same team, barrister-designed template | Estate above £325,000 or heirs on benefits |
| Wahed Wills | See Wahed's site | Wahed's specialist checking | People already using Wahed, want a preview first |
| Solicitor (for example Islamicwills.co.uk) | Quote-based | SRA-regulated solicitor | Scotland, business assets, overseas property |
Verdict: which family should buy which tier
A married couple in England or Wales with a home, savings and children, and a combined estate under the £325,000 threshold each, should buy two £98 standard wills, name guardians, and pay the £10 a year to keep the heir list current. A family with a home that pushes the estate past £325,000, or with an heir on means-tested benefits, should take the £348 trust-based will and read IFG's explainer on the ten-year charge before signing. Anyone in Scotland, anyone with a company or farmland, and anyone with property abroad should treat IFG's form as a useful rehearsal and then instruct a solicitor. Facts checked against islamicfinanceguru.com, gov.uk on 9 September 2026.
Frequently asked questions
How much does an IFG Islamic will cost?
£98 for the standard Islamic will and £348 for the trust-based will, according to the IFG Wills page on 9 September 2026. Changes cost £30 as a one-off or £10 a year for unlimited updates. There is a £10 referral credit for both the referrer and the new customer, which IFG says works out at over 20% off for a couple.
Is an IFG will Shariah compliant?
IFG says every will's bequests are reviewed by a Mufti, and the wills page names Billal Omarjee as its external Mufti consultant alongside the solicitor founders. The template distributes the estate by Faraid shares and limits optional gifts to one third. IFG does not publish a separate Shariah certificate, so the assurance rests on the named reviewers.
Does IFG Wills work in Scotland?
No. IFG states that its wills are legally binding in England and Wales and does not claim validity in Scotland or Northern Ireland. Scots succession law gives spouses and children legal rights that an English-form will does not address, so a Scottish resident should use a solicitor with Scots law experience for an Islamic will.
What is the difference between the £98 and £348 IFG wills?
The £98 will leaves fixed Faraid shares outright to named heirs. The £348 trust-based will leaves the estate to trustees who distribute by Shariah shares, giving flexibility on timing and tax and protecting heirs on means-tested benefits. IFG recommends it for estates above £325,000 and designed it with a barrister from Ten Old Square Chambers.
How long does an IFG will take?
The online form takes about 20 minutes. IFG says that if its team has queries it will contact you within three to five working days, and the drafted will is emailed shortly after. The will only becomes valid once you print it and sign it in front of two adult witnesses who also sign in your presence.
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Do I need to update my IFG will if I get married or have a child?
Yes for a new child, because the Faraid shares change. IFG says its wills are drafted so that a later legal marriage does not revoke them, but you should still review the document whenever an heir is added or lost. Updates cost £30 each or £10 a year for unlimited changes, and each revised will must be signed and witnessed again.
