Estate planning is a crucial topic that has been appearing with increasing frequency in IELTS Writing Task 2 exams. Based on recent trends and analysis of past exam questions, it is highly likely that candidates will encounter questions related to the importance of estate planning for families in future tests. This topic is particularly relevant for test-takers from countries like India, China, and Vietnam, where family inheritance and financial planning are significant cultural considerations.
Let’s examine a sample question that reflects this trend and provides an opportunity to showcase your writing skills across different band scores.
Some people believe that making a will and planning for the distribution of assets after death is essential for all families. Others think it is unnecessary and can cause family conflicts. Discuss both views and give your own opinion.
Analyzing the Question
This question requires candidates to:
- Discuss the viewpoint that estate planning is essential for families
- Explore the opposing view that it is unnecessary and potentially harmful
- Provide a personal opinion on the matter
The task involves comparing and contrasting these perspectives while demonstrating critical thinking and the ability to present a balanced argument.
Sample Essay 1 (Band 8-9)
Estate planning, including the creation of wills and asset distribution strategies, is a contentious issue that elicits diverse opinions. While some argue for its necessity, others contend that it may lead to familial discord. This essay will examine both perspectives before presenting my own stance on this matter.
Proponents of estate planning assert that it is crucial for ensuring financial security and preventing disputes among family members after a person’s death. By clearly outlining how assets should be distributed, individuals can protect their loved ones from potential legal battles and emotional stress during an already difficult time. Moreover, a well-crafted estate plan can help minimize tax liabilities, preserving more wealth for beneficiaries. This foresight can be particularly beneficial for families with complex financial situations or those with dependents who require long-term care.
On the other hand, critics argue that formal estate planning is unnecessary and may even sow seeds of conflict within families. They contend that discussing inheritance can create tension and resentment among family members, potentially damaging relationships in the present. Additionally, some cultures view open discussions about death and asset distribution as taboo, making the process of estate planning culturally insensitive or inappropriate. These individuals often prefer to rely on traditional methods of wealth transfer or trust that family members will fairly divide assets without formal documentation.
In my opinion, while the concerns about potential conflicts are valid, the benefits of proper estate planning far outweigh the risks. A thoughtfully prepared estate plan can actually prevent more conflicts than it creates by eliminating ambiguity and reducing the likelihood of legal disputes. Furthermore, the financial advantages of tax planning and asset protection cannot be overlooked, especially in an era of how rising inflation affects home loans and economic uncertainty.
In conclusion, estate planning is a complex issue that requires careful consideration of family dynamics, cultural sensitivities, and financial realities. While it may present challenges, I believe that when approached with sensitivity and clear communication, it serves as an invaluable tool for securing a family’s financial future and maintaining harmony among beneficiaries.
Family discussing estate planning
Sample Essay 2 (Band 6-7)
Estate planning is a topic that many people have different opinions about. Some think it’s very important for families to make wills and plan how to share their money and property after they die. Others believe it’s not necessary and might cause problems in families. I will talk about both sides and give my own thoughts.
People who support estate planning say it’s important because it helps families avoid fights about money after someone dies. When there’s a clear plan, everyone knows what they will get, so there’s less chance of arguments. Also, good planning can help save money on taxes, which means more money for the family. This can be really helpful for families with a lot of money or property.
However, some people think estate planning is not a good idea. They say that talking about who gets what after someone dies can make family members angry or jealous. In some cultures, it’s not polite to talk about death or money, so estate planning might not be acceptable. These people think it’s better to let the family decide how to share things without a formal plan.
I think that even though estate planning can be difficult to talk about, it’s still very important. It’s better to have a clear plan than to leave things uncertain, which could lead to bigger problems later. Having a plan can actually help keep families together by avoiding fights about money. It’s also smart to think about how to protect your family’s money, especially when things like should governments control housing prices are affecting how much homes cost.
To sum up, while estate planning can be a sensitive topic, I believe its benefits are greater than its potential drawbacks. It helps protect families financially and can prevent conflicts if done carefully and with respect for everyone’s feelings.
Sample Essay 3 (Band 5-6)
Many people have different ideas about planning for what happens to money and things after someone dies. Some think it’s very important, but others say it’s not needed and can cause problems. I will write about both ideas and what I think.
People who like estate planning say it’s good because:
- It stops family fights about money
- It helps save money on taxes
- It protects people who need special care
But some people don’t like estate planning because:
- Talking about who gets money can make family members angry
- In some cultures, it’s not okay to talk about death
- They think families can share things fairly without a plan
I think estate planning is a good idea. Even though it might be hard to talk about, it can stop bigger problems later. It’s smart to think about how to keep family money safe, especially when things like house prices are changing a lot.
In the end, I believe estate planning is important. It can help families stay happy and keep their money safe if it’s done carefully and with respect for everyone.
Family discussing inheritance and estate planning
Explanation of Band Scores
Band 8-9 Essay:
- Fully addresses all parts of the task with a well-developed response
- Presents a clear position throughout the response
- Uses a wide range of vocabulary with very natural and sophisticated control
- Uses a wide range of structures with full flexibility and accuracy
- Demonstrates a logical organization with clear progression throughout
Band 6-7 Essay:
- Addresses all parts of the task, though some parts may be more fully covered than others
- Presents a relevant position, though conclusions may become unclear or repetitive
- Uses an adequate range of vocabulary for the task, with some inaccuracies
- Uses a mix of simple and complex sentence forms
- Arranges information coherently with clear overall progression
Band 5-6 Essay:
- Addresses the task only partially, with limited development of ideas
- Expresses a position but the development is not always clear
- Uses a limited range of vocabulary, adequate for simple ideas but lacking precision for complex thoughts
- Uses mainly simple sentences with limited accuracy in more complex structures
- Presents information with some organization but there may be a lack of overall progression
Key Vocabulary to Remember
Estate planning (noun) – The process of arranging for the management and disposal of a person’s estate during their life and after death.
Pronunciation: /ɪˈsteɪt ˈplænɪŋ/Will (noun) – A legal document expressing a person’s wishes regarding the disposal of their property after death.
Pronunciation: /wɪl/Beneficiary (noun) – A person who derives advantage from something, especially a trust, will, or life insurance policy.
Pronunciation: /ˌbenɪˈfɪʃəri/Inheritance (noun) – Property or money received from someone after they die.
Pronunciation: /ɪnˈherɪtəns/Asset distribution (noun phrase) – The process of dividing and allocating a person’s possessions and financial holdings.
Pronunciation: /ˈæset ˌdɪstrɪˈbjuːʃən/Tax liability (noun phrase) – The amount of tax owed to the government.
Pronunciation: /tæks ˌlaɪəˈbɪləti/Familial discord (noun phrase) – Disagreement or conflict within a family.
Pronunciation: /fəˈmɪliəl ˈdɪskɔːrd/Financial security (noun phrase) – The state of having stable income or resources to support a standard of living now and in the future.
Pronunciation: /faɪˈnænʃəl sɪˈkjʊərəti/Wealth transfer (noun phrase) – The passing of assets from one generation to another.
Pronunciation: /welθ ˈtrænsfɜːr/Cultural sensitivity (noun phrase) – Awareness and respect for cultural differences and norms.
Pronunciation: /ˈkʌltʃərəl ˌsensɪˈtɪvəti/
In conclusion, estate planning for families is a complex and nuanced topic that requires careful consideration of various perspectives. As demonstrated in the sample essays, candidates can approach this subject from different angles, discussing the benefits of financial security and conflict prevention, as well as the potential drawbacks related to cultural sensitivities and family dynamics.
For future IELTS Writing Task 2 exams, candidates should be prepared to encounter questions that delve into related areas such as:
- The role of government in regulating inheritance laws
- The impact of estate planning on wealth inequality
- Cultural differences in attitudes towards inheritance and family wealth
To improve your writing skills, we encourage you to practice writing your own essay on this topic. Share your work in the comments section below for feedback and discussion with other learners. This active engagement will help you refine your arguments, expand your vocabulary, and develop the critical thinking skills necessary for success in the IELTS Writing Task 2.