Essentials for Life’s Uncertainties

What Is a Will?

A will serves as a legally binding document that gives you control of whatever happens—or doesn’t happen—to your estate after you die.

Your will also specifies who your executor will be (the person you pick to split up your stuff). If you have young children, a will is even more important because you can choose who your kids will live with after you pass. Do you really want them moving in with that distant relative who hates kids? This short document is your chance to assign how you want things to go. 

Why Having a Will Is Important

Each state has its own laws when it comes to settling the affairs of someone who doesn’t have a will. If you don’t have one or if it’s determined to be invalid because it wasn’t done the right way or signed, a judge will appoint an administrator. This person has no connection to your family and will take charge of probate (the legal process of transferring your property to your heirs). That doesn’t sound too good, does it?

Let’s be real here: You wouldn’t want a stranger or (worse yet) the government to manage your affairs when you’re alive, so why leave it to chance after you die? 

A will is the last gift you’ll leave your family and loved ones. It makes the management of your assets clear and simple for everyone involved. If you don’t have a will in place when you die, there’s no guarantee your wishes will be followed. 

Dying without a will puts an unnecessary strain on your family. Not only will they be grieving, but they’ll also be dealing with the mess you’ve just left them—potentially for years. Plus, they’ll be stuck with a pile of legal fees to get it all sorted out. Failing to make a will isn’t just dumb; it’s selfish. 

What Does a Will Cover? 

When making a will, you decide who inherits your property, your money and your investments after you’re gone. A will also provides a great opportunity to leave a donation to your church or favorite nonprofit. You can even use your will to plan your funeral or memorial service. How else will your family know you want your coffin decorated to support your favorite sports team?

You and your spouse could create mirror wills. Everything is pretty much the same in both wills with the exception of the names. If one of you dies, the surviving spouse will get the entire estate. Keep in mind: when someone does pass away, you need to keep the will for seven years. 

A will also lets you determine who will take care of your children (if they’re minors) once you die. That way, you can make sure your kids are raised by the people you actually want to care for them. If you haven’t made a will, a state official might make that decision for you. Terrible, right? 

Want to make sure your family is covered in all areas? Check on your coverage before it becomes an emergency. 

How to Make a Will

Don’t let the idea of making a will fill you with dread or visions of long, expensive lawyer visits. If you’re looking to make a simple will to take care of basic things like your property, children, investments and personal items, then you can do it online without ever seeing a lawyer!

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