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Personal Record

The biographical baseline an executor needs in the first five days. Five sections — all from memory, no paperwork hunt. Mother's maiden name, place of birth, occupation, previous addresses, children, previous marriages, and living next-of-kin. Twenty minutes.

✓ P-15 · Internal instrument · Valoren · England & Wales
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England & WalesInternal instrument — not a government formK04 / K08 privacy · identity-grade data

The things you know by heart — your mother's maiden name, where you were born, the addresses you have lived at — are exactly what an executor cannot find in a hurry. P-15 stores them once, in the right place, under the right protection. Twenty minutes from memory.

Identity-grade data — stored under K04 / K08 privacy
Fields like mother's maiden name and previous addresses are adjacent to bank security questions. P-15 data is never printed in plain text on any portable document. Where P-15 feeds a composition (Bank Verification Sheet, Day-1 Brief), it routes your executor to the answer at call-time — it does not expose the answer on the document itself.
Why P-15 exists

Three places this record saves hours

Most estate administration systems ask for documents.

P-15 asks for facts — the biographical layer that sits behind the documents and is required on every form that matters in the first week.

First five days
Bank calls and death registration

Mother's maiden name unlocks bank re-identification calls. Place of birth and occupation appear on the death registration form. Occupation goes on the death certificate. These facts are asked before any paperwork is produced.

Probate and HMRC
IHT402, PA1P and Tell Us Once

PA1P requires an issue declaration (children). IHT402 needs previous-marriage history for transferable nil-rate band claims worth up to £500,000 of additional allowance. Address history feeds IHT417 and Tell Us Once.

The intestacy gap
The unmarried partner trap

Section E captures four facts that decide who inherits without a will. The most consequential: an unmarried partner inherits nothing under England & Wales intestacy, regardless of how long the relationship has lasted.

The record, section by section

Five sections, in plain English

Sections A and E are single-value: fill in once.

Sections B, C and D are repeating rows — add as many as apply. Sections C and D are optional for most; Section A is the core.

A

About you

Six biographical anchors, all from memory. No paperwork hunt. Mother's maiden name, father's full name, place of birth, occupation, previous legal names, marital status.

Mother's maiden name

Required on the UK death registration form and recognised by virtually every UK bank as a high-strength security question. Record the maiden name — your mother's surname at birth, not the married name. This single field unblocks most executor bank calls in the first five days.

Father's full name and your place of birth

Both appear on the death registration form. Record your father's full legal name as it appears on your birth certificate — the version the registrar cross-references. Place of birth is the registration district or town; not the hospital name.

Occupation (current or last)

The occupation that will appear on your death certificate, recorded by the registrar. If retired, the convention is the prior substantive occupation followed by 'retired' — e.g. 'Solicitor (retired)'. Use the substantive role, not a modern corporate title.

Previous legal names

Every legal name you have used: maiden name, married names, deed-poll changes, professional names if formally registered. Probate and HMRC reconcile prior records under these names. Aliases and nicknames are not legal names.

Marital status

Current legal marital status — single, married, civil partnership, separated, divorced, or widowed. Required on every death-registration form and determines spouse-related fields downstream: PA1P, IHT402, the spousal exemption calculation.

B

Previous addresses

Every address you have lived at, most recent first. IHT417 non-domicile checks, Tell Us Once, passport and driving-licence replacements. Five-year minimum; ten years is comfortable.

Why address history matters

IHT417 (the non-UK-domicile supplementary page for inheritance tax) requires a full address history. Tell Us Once — the government service that notifies multiple departments of a death in one call — also needs it. Driving-licence and passport replacements use address history for identity verification.

How many addresses to record

Five years is the minimum most authorities ask for; ten years covers most scenarios comfortably. Record all four fields for each address: full address, postcode, year from, and year to (or 'current'). Approximate years are fine.

What if some addresses are outside the UK?

Record them. Foreign addresses are material for IHT417 domicile questions and may affect the tax treatment of worldwide assets. Record the country alongside the address.

C

Children

Biological, adopted, and step-children — all relevant to probate. PA1P §6 issue declaration, PA1A intestacy succession, Memorial Booklet biography. Leave blank if you have no children.

Why children are required for probate

PA1P asks executors to declare all 'issue' — children and grandchildren. PA1A intestacy applications ask the same to determine succession. Children must be declared even if they are also named in the will.

Biological, adopted, step — and the difference

Biological and adopted children inherit under intestacy. Step-children do not — they inherit only if named in a will. Record all three types with the correct relationship so the probate court reads succession correctly.

Deceased children

Where a child has predeceased you, their own children (your grandchildren) may inherit their share under the 'issue' rules. Record deceased children so this branch of succession is visible in probate.

D

Previous marriages

Often blank. Critical for IHT402 transferable nil-rate band claims where a prior spouse died. Up to £325,000 + £175,000 = £500,000 of additional inheritance tax allowance.

The IHT402 transferable nil-rate band

If a previous spouse died and did not use their nil-rate band — for example they left everything to you — that unused band transfers to your estate. This can add up to £325,000 of nil-rate band plus potentially £175,000 of residence nil-rate band. Material for estates over the single threshold.

How ended — the critical field

Record whether the partnership ended by death, divorce (decree absolute), or annulment. The IHT402 transferable-NRB claim applies only where the prior spouse died — not divorce. Where the marriage ended by the spouse's death, also record whether they used their full nil-rate band.

If you have no previous marriages

Leave Section D blank — it is optional. It is here for the significant minority of estates where a prior marriage exists and the IHT402 claim is material enough to change the tax calculation substantially.

E

Living next-of-kin

Four facts, two minutes, from memory. These are the only fields that let us show you the actual intestacy outcome — and they are the most common gap in every other system.

The intestacy order

If you died without a will, the law follows a fixed order: spouse or civil partner first, then children, then parents, then brothers and sisters, then half-siblings, then the Crown. Without knowing which of these are alive, any intestacy outcome is a guess.

The unmarried partner trap

An unmarried partner — even of decades, even with shared children — has NO automatic right to inherit anything under England & Wales intestacy. There is no 'common-law marriage'. This is the single most surprising and consequential gap in estate planning. Section E is where we flag it.

Parents and siblings

If you have no spouse and no children, your estate passes to living parents. If parents have also died, it passes to full siblings. These two facts complete the intestacy picture for the majority of childless, unmarried estates.

Fill it in · per-field help

Your Personal Record, section by section

Sections A and E are single-value fields — fill in once and done. Sections B, C and D are repeating rows; add as many as apply. Answers save to this device only — no account, no signup.

Section navigator
AFrom memory. No paperwork hunt. · 5 min · 6 fields

About you

The biographical anchor every official form asks for. Mother's maiden name unlocks bank security questions. Place of birth and occupation are required on the death-registration form. Previous legal names matter where you have changed your name (marriage, professional, deed poll).

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Members: every field with an Auto · P-15 tag is filled in from your records.Sign in
Downstream compositions

Where P-15 goes once it is filled in

P-15 feeds nine downstream documents and walkthroughs.

Fill it in once and these compositions are filled from your records — no re-entering the same facts on every form.

Day-1 Registration Brief
Feeds §A, B
Tell Us Once Companion
Feeds §B
Bank Verification Sheet
Feeds §A
IHT402 Walkthrough
Feeds §D
LS01 Walkthrough
Feeds §A, B
D40 Walkthrough
Feeds §A, B
PA1P (issue declaration)
Feeds §C
Memorial Booklet Starter
Feeds §A, C
Family Origins Sheet
Feeds §A, C
After you fill it in

What this record covers — and what's outside it

P-15 is the biographical layer — facts from memory. ID document numbers (passport, NI number, driving licence) live in P-05.

Financial accounts, property and insurance belong in the appropriate record instruments. Together they form the household record your executor can actually use.

What this walkthrough covers
Section A — biographical anchor (mother's maiden name, place of birth, occupation, marital status)
Section B — previous addresses for IHT417, Tell Us Once, and replacements
Section C — children for PA1P issue declaration and intestacy succession
Section D — previous marriages for IHT402 transferable nil-rate band claims
Section E — living next-of-kin for intestacy preview and the unmarried partner flag
Where you go next
P-05 holds ID document numbers — fill that first if you haven't already
P-05 next
Section D triggers an IHT402 claim if a prior spouse died with unused nil-rate band — flag to your executor
IHT402
If Section E shows an unmarried partner with no will, the intestacy walkthrough is the immediate next step
Make a will
Known limits
  • P-15 is an internal Valoren instrument — not a legal document and not submitted anywhere.
  • Valoren is not a solicitor and does not give legal or tax advice. IHT402 calculations and intestacy outcomes should be confirmed with a regulated adviser where the amounts are material.
  • K04 / K08 privacy applies — answers are stored in your Valoren account only. The try-it walkthrough above saves to this device only and is not linked to your account.
Where this fits

The form is the short part.
The record is what makes every form fillable.

P-15 sits alongside P-05 (ID documents) in the household record.

Together they collapse the biographical and documentary hunt that takes most executors days into a single afternoon's preparation.

Questions, answered plainly

P-15 Personal Record — your questions

What is P-15 and why does it exist?
P-15 is the Personal Record — a Valoren instrument that captures the biographical baseline an executor needs in the first five days after a death. Death registration, bank re-identification, probate applications and HMRC forms all ask the same facts: mother's maiden name, place of birth, occupation, previous addresses, children, previous marriages. P-15 stores them once so your executor doesn't hunt for them under pressure.
Why does it ask for my mother's maiden name?
UK banks use mother's maiden name as a high-strength security question — it is one of the most frequently asked 'proof of identity' questions when an executor calls to report a death and close accounts. It also appears on the death registration form. Without it, an executor faces delays at the first institution they contact. It is stored under K04/K08 privacy discipline — never printed in plain text on any portable document.
Why do I need to record previous addresses?
IHT417 (the non-UK-domicile supplementary page for inheritance tax) requires a full address history. Tell Us Once — the government service that notifies multiple departments of a death in a single call — also needs it. Driving-licence and passport replacements use address history for identity verification. Five years is the minimum most authorities ask for; ten years covers most scenarios comfortably.
What is the IHT402 transferable nil-rate band and how does Section D connect to it?
If a previous spouse died and did not use their nil-rate band (typically because they left everything to you), that unused allowance transfers to your estate on your death. This can add up to £325,000 of additional coverage at 0% inheritance tax — plus £175,000 of residence nil-rate band where applicable. Section D is where you record prior marriages so your executor knows this claim exists and can file IHT402 if it does.
Why does Section E ask whether I live with an unmarried partner?
An unmarried partner — even of decades, even with shared children — has NO automatic right to inherit under England & Wales intestacy. The law recognises only a legal spouse or civil partner. If you have no will, your partner inherits nothing regardless of how long you have been together. This is the most common and most consequential gap in estate planning. Section E captures the fact so we can flag it immediately — and point you to the right document.
Is my P-15 data private?
P-15 is treated under Valoren's K04 / K08 privacy discipline. The fields include identity-grade data adjacent to bank security questions (mother's maiden name, place of birth, previous addresses). This data is never printed in plain text on a portable document. Where P-15 feeds a composition like the Bank Verification Sheet, the sheet routes your executor to the relevant P-15 field at call-time — it does not print the answers on the sheet itself.
Does P-15 replace the Personal Records (P-05)?
No. P-05 (Personal Records) captures ID document numbers and where the originals live — passport number, NI number, driving licence, etc. P-15 captures biographical facts from memory: mother's maiden name, parents' names, place of birth, previous addresses, children, previous marriages. The two instruments are complements. In onboarding, P-05 comes first and P-15 follows. Both feed into the same downstream compositions.
How long does P-15 take to fill in?
Section A (six biographical fields) takes five minutes from memory. Section B (previous addresses) takes five to ten minutes — more if you have lived in many places. Sections C and D (children and previous marriages) take five minutes each if applicable; if blank, thirty seconds. Section E (next-of-kin) takes two minutes. Total: twenty to thirty minutes, almost all from memory without paperwork.
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