legalhelp.
Internal · Strategic memo · June 2026

AI & wills: the broader considerations.

A working document on the tools-vs-outcomes tension, the verifiability problem, consumer resistance, liability, and AI subsumption risk as they apply to the wills product and the ACT-flow portfolio more broadly.

Prepared: 2 June 2026 Author: Jemima Barroll-Brown For: Wednesday session — Ed, Rob, Rachel Status: Working draft

Tools vs outcomes.

The meeting on 1 June established something important: almost every AI business that has scaled to date is selling a tool, not an outcome. The distinction matters enormously for how you price, what you're liable for, and where your moat sits.

Tool model

The business provides capability. The user owns the risk of what they do with it. If the output is wrong, the user made the mistake — or chose to use it anyway.

Harvey, Cursor, GitHub Copilot, Perplexity. You get better-faster results; whether those results are right is still on you.
Outcome model

The business delivers a verified result. The business owns (or at least underwrites) the risk that the result is correct. If the output is wrong, it's the business's problem.

Sierra (the only scaled example named). You don't get a support chat — you get your issue resolved. If it isn't resolved, Sierra hasn't delivered.

Legalhelp is trying to sell outcomes. "Sorted. With legalhelp." implies the will is done, valid, and yours — not that you've been given better tools to draft it yourself. This is a significantly harder position to occupy.

"Very few businesses have scaled selling outcomes. Sierra is the only example to date."

Meeting note — 1 June 2026

Why outcome-selling is harder

Selling an outcome requires three things that tool-selling doesn't: verifiability (you can prove the outcome is correct), accountability (you can assign liability when it isn't), and repeatability (you can deliver it consistently at scale). Missing any one of these forces you back to the tool model, whether you intend it or not.


The verifiability problem.

For a parking-ticket challenge, verifiability is immediate: the charge is either cancelled or it isn't. You know within weeks whether the product worked. You can measure outcome quality, improve the prompt, and report a success rate.

For a will, the primary verification event is the testator's death. A will that looks perfect today might be invalid — ambiguous beneficiary identification, a conflict between clauses, a missing substitution — and you won't know until probate. That could be 30 years from now.

The core problem

You can sell a will as an outcome. You can be reasonably confident the output is correct. But you cannot verify it is correct with the same certainty as a tool that produces a result with an observable real-world test.

This is not a reason not to build it. Law firms face the same constraint — they draft wills they never see tested. The difference is that a solicitor's professional indemnity insurance and SRA regulation create a trust mechanism. We need our equivalent.

Our current answer: solicitor review

Every will generated by LegalHelp is reviewed by a named, SRA-registered solicitor (currently Helen Trent TEP) before delivery. This is the trust mechanism. It is not a full re-draft — it is a structured review against a checklist of the most common failure modes.

What the review covers
Clause structure, survivorship periods (now 28 days — corrected 2 June), STEP provisions, residuary coherence, attestation clause, any fact-pattern red flags
What it doesn't cover
Whether the user's wishes were correctly interpreted from their inputs. That requires the user to read the plain-English summary on the cover sheet and flag anything wrong before signing.
Long-term direction
Multi-agent drafting pipeline (drafter + ambiguity scanner + consistency checker + adversarial reader). Solicitor review reduces to exception cases only. Not built yet — this is the main engineering build.

Consumer resistance: the Claire example.

A friend of Ed's received a parking ticket — his wife Claire's car, the charge came to her. He intended to test the LegalHelp system on it. Claire's response: "absolutely not — I don't want to mess with AI on this, I'll just pay and sort it."

Claire's objection is not primarily about the quality of the output. It's about trust, risk aversion, and the cost of being wrong. The parking fine was, say, £60. The effort of using an unfamiliar system — and the perceived risk of it going wrong and making the situation worse — didn't clear the bar. Paying was faster and felt safer.

Is this specific to parking tickets?

Partially. Parking tickets sit in a category where many people believe the correct move is to pay and move on. The emotional energy of fighting is not worth it even when the legal case is strong. LegalHelp's parking product is partly trying to shift that calculus — but the Claire problem is real resistance to the category, not just to us.

The more important question is: does this generalise to wills, LPA, and other Sorted-category products? We think it goes differently for those products, for two reasons:

ACT flows (parking, court)
The default without us is either do nothing (pay up) or engage a solicitor (expensive). Consumer resistance is highest when "doing nothing" is a viable escape. Claire can pay the fine and the problem disappears. High switching cost to us; low cost to opt out.
Sorted flows (wills, LPA)
The default without us is continued procrastination — 56% of UK adults have no will. The cost of inaction is not "I'll pay £60" but "my estate is a mess when I die." This is a different psychological profile. The person making a will has already decided to act; the question is whether to use us or a solicitor at £300+.
The trust gap
Both categories have a trust gap — will AI get this right? The difference is that Sorted-flow customers have more time, more motivation, and more to lose from inaction. They are more likely to read the document, understand the solicitor-reviewed label, and make an informed choice.

The Claire problem is most acute when the user has an easy opt-out (pay up, do nothing). It is less acute when the alternative to us is either expensive or indefinite delay.

What this means for how we talk about the product

For ACT flows: we need to clear a low trust bar quickly. The product page and flow should show the expected outcome (letter sent, charge cancelled in X% of cases) before asking anything. The "do nothing is fine" objection needs to be named and countered upfront.

For Sorted flows (wills): the frame is different. We are not competing against "paying it off." We are competing against "putting it off again." The question is not "do I trust AI to get this right?" but "do I trust AI + a named solicitor enough to finally get this done?"


Accountability and liability.

Where does accountability fall when an AI-assisted legal product goes wrong? This is a live question across the industry; there is no settled answer. The current positions are:

Will-drafting liability
Will drafting is an unreserved legal activity under the Legal Services Act 2007 — anyone can do it. There is no automatic professional liability for a non-solicitor will drafter. However, a named solicitor reviewer creates professional accountability for that specific review. If the solicitor misses a material error they could have caught, that is an SRA/negligence matter.
Platform liability
LegalHelp's terms of service will define the self-help nature of the product. "Not legal advice" is load-bearing language — it distinguishes the platform from a law firm providing regulated legal services. The solicitor review adds accountability without creating a retainer.
AI-specific accountability
The AI draft is the starting point; the solicitor review is the sign-off. Accountability rests with the reviewer for what they missed, not with the AI for what it generated. This mirrors how a law firm uses AI drafting tools — the associate reviews, the partner signs off.
Our exposure
Reputational risk is greater than legal risk at this stage. A will that fails probate because of a drafting error will make the news if it's tied to an AI product. This is why the solicitor review is non-negotiable even if the legal liability is ambiguous.

AI subsumption risk.

The question is not only whether LegalHelp can build a working will product — it's whether the product has durable value as AI capabilities expand. At some point, Claude (or its successor) will be able to draft a will from a conversation without a guided flow, without a structured prompt, without a platform layer.

The meeting referenced Ethan Mollick's "jagged frontier" — the observation that AI does some things remarkably well (code, structured drafting) and others poorly (tasks requiring judgment, relationships, real-world verification). Will drafting is currently in the "does well" zone. The question is whether that means LegalHelp's moat is thin.

Where the moat might sit

Distribution
Rob Rinder's reach is the distribution advantage. Access to the right audience at the right moment (life event triggers) is not something a base model provides. The moat is in the channel, not the generation.
Trust infrastructure
The solicitor review panel, the SRA credentials, the branded output, the signing instructions — these are trust infrastructure that a base model chat interface doesn't provide. A consumer who types "write me a will" into Claude gets text. A consumer who uses LegalHelp gets a solicitor-reviewed document with a reference number. That trust layer has value.
Regulatory knowledge
The TechCard equivalent — a product that stays current with the legal framework (IHTA changes, Law Commission reforms, STEP updates) so the user doesn't have to. This is defensible because it requires ongoing human curation, not just generation.
The TechCard parallel
The meeting noted TechCard's potential as "Cursor for regulated firms" — a tool that maps regulatory requirements onto AI-assisted compliance. The same logic applies to LegalHelp: the regulated domain knowledge (which questions to ask, which clauses are non-negotiable, which fact patterns need solicitor escalation) is the moat, not the generation.

The moat is not "we generate better wills." The moat is "we know which questions to ask, which clauses are non-negotiable, and whose name goes on it."


Our position.

Based on the meeting and the prototype work to date, here is where we think LegalHelp sits:

Current answer

We are selling an outcome, supported by a tool, verified by a human. The product is the will (outcome). The flow is the tool (it collects the right data, correctly, from a user who doesn't know what they need). The solicitor is the human-in-the-loop (verification and trust). None of the three is optional at this stage.

This is a more expensive model than pure tool-selling. It is also a more defensible one. The Claire problem is real — consumer resistance to AI for high-stakes decisions exists. The solicitor review is the answer to the Claire problem, not just to the legal one.

What this means for the Wednesday agenda

For Rob
The product is prototype-ready for demonstration. The will flow generates a four-document pack, reviewed by a named solicitor. The question for the meeting is: does Rob's distribution network change the calculus on how we position tools vs outcomes, and how we talk to consumers who have the Claire instinct?
For the build
The next engineering priority is the multi-agent pipeline — the piece that moves solicitor review from "read every will" to "flag edge cases only." That's what makes the economics work at scale.
For the ACT portfolio
The Claire problem is less acute for Sorted flows (wills, LPA) than for ACT flows (parking, court) where inaction is a valid escape. The portfolio strategy should consider which products have genuine "action required" demand — where the customer has already decided to act and just needs the right product — vs which require us to persuade them to act at all.

The tiered model.

The most commercially viable path is not a binary choice between "solicitor review on everything" and "no review at all." It is a tiered product — a structure that Kwil already operates successfully in the UK.

Free / £25 — Self-help tier

No solicitor name on the output. Clear, prominent disclaimer: "This is a self-help tool. You are responsible for this will."

AI-generated will with automated structural checks. No per-will review cost. Fully scalable. No PI insurance obligation.

Duty of care still exists under Esterhuizen — but manageable with well-scoped T&Cs and genuine self-help positioning. The key: no professional service language, no credentials on the document.

This is the Kwil free-tier model. Explicit: "not checked by a legal expert — you are fully responsible."
£79–99 — Solicitor-reviewed tier

"Reviewed by Helen Trent TEP, Solicitor (SRA 615204)" on every cover sheet.

AI draft + meaningful solicitor review before delivery. ~£4–5 per will overhead. PI insurance required and available. SRA non-delegable duty applies — human review is legally mandatory at this tier.

This is the outcome product. Rob Rinder's brand is better suited here — the trust signal justifies the price premium and differentiates from Kwil.

Equivalent to Farewill's reviewed tier (~£100) and below Co-op Legal Services (~£150).

The "your own liability" disclaimer — does it work?

For the self-help tier: yes, largely. A well-drafted disclaimer protects against claims from the testator themselves (subject to Consumer Rights Act reasonableness). The key is genuine self-help positioning — no solicitor branding, no "we drafted this" language.

For the solicitor-reviewed tier: no. A disclaimer cannot override the duty of care owed to beneficiaries — people who never signed any T&Cs. Their claim is in tort (negligence), not contract. Under White v Jones [1995] and Esterhuizen [1998], that duty exists regardless of what the T&Cs with the testator say.

The structural choice: you either put a solicitor's name on it (outcome, premium, defensible, PI-insured) or you don't (tool, scalable, disclaimer more effective, lower price). The current product does the former. A tiered model does both.

Recommended structure

Launch with the solicitor-reviewed tier only at £79 — this is what's prototype-ready. Add a free self-help tier once the automated quality checks are robust enough. Use the free tier as the funnel; convert to the premium tier for users who want the outcome rather than the tool.