20 Vital Will Clauses That Could Save Your Family from Legal Hassles

Drafting a will is a fundamental component of comprehensive estate planning. It serves as a pivotal document, guiding the fulfillment of your final wishes. Creating a will also serves as an act of care for loved ones.

Here are 20 essential considerations to guide you through the process of making a will:

Assets and Properties

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Compile a comprehensive list of your assets, including investments and personal property. Consider how you wish to distribute these assets among your heirs. Be specific to avoid any potential disputes. Remember, clarity in your will can prevent misunderstandings and legal challenges.

Guardianship of Children

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If you have minor children, deciding on their guardianship is paramount. Choose someone you trust implicitly to raise your children in your absence. Discuss this with potential guardians to ensure they are on the same page as you. You should revisit this choice periodically as circumstances change.

Cherished Items

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Identify personal items with sentimental value and designate who should inherit them. These include family heirlooms, jewelry, or even letters. Making specific allocations helps avoid conflicts among your loved ones. Sometimes, these personal bequests carry emotional weight far beyond their monetary value.


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If you’re passionate about certain causes, you can include a charity in your will. Specify the organizations and the amount or percentage of your estate you wish to donate. This can be a way to leave a lasting legacy that reflects your values and interests. If you wish to, you can also name a charity as your beneficiary.

Funeral Instructions

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Including funeral wishes helps your loved ones during a difficult time. Specify your preferences for burial or cremation, including the music. This can relieve your family of the burden of making these decisions under stress. Ensure these instructions are accessible to your family members.

Will Writer

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Consider hiring a professional will writer or attorney specializing in estate planning. They can provide valuable legal advice and tailor your will to your specific needs. A professional can also help navigate complex situations, such as blended families. Investing in expert guidance can prevent costly mistakes and disputes.


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Consult with an accountant to understand the potential financial implications of your will. They strategize to reduce liabilities for your estate and beneficiaries. This step is crucial if you have substantial assets or own a business. Proper planning significantly impacts the value of the estate passed on to your heirs.


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Most jurisdictions require you to have at least two individuals to witness your will. Witnesses should have no vested interest in your will to avoid conflicts of interest. The process of witnessing a will varies, so understand the requirements in your area. People are less likely to contest properly witnessed wills.


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Appoint one or more executors to manage the administration of your estate. Choose trustworthy individuals capable of handling financial and legal matters. Discuss your decision with them to ensure they’re willing to take on the role. Consider naming an alternate executor in case your first choice is unable to serve.


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Clearly identify all beneficiaries, including family members, friends, and any organizations. Use full names to avoid ambiguity and specify their relationship to you. Consider whether to distribute assets equally or in specific proportions. Remember, clear instructions help prevent disputes and ensure people honor your wishes.


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If you intend to exclude someone who would typically expect to inherit, be explicit about it. This can help defend against potential legal challenges to your will. Yet, legal advice is crucial when close relatives contest exclusions under certain conditions.


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Acknowledge any individuals financially dependent on you and outline provisions for their support. This is important for dependents not entitled to the estate, such as stepchildren. Failure to provide for dependents can lead to legal challenges against your estate.


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Understand the tax implications of your bequests. In some cases, certain assets might be more tax-efficient to pass on than others. Inheritance can have a tax of anywhere between 18-40%. An accountant can offer guidance on structuring your will to minimize the tax burden.

Unexpected Circumstances

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Plan for contingencies, such as beneficiaries predeceasing you. Specify alternate beneficiaries in these cases to ensure proper distribution of assets. This foresight can prevent your estate from passing in ways you did not intend. Regularly updating your will is crucial to address such changes.


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Acknowledge any outstanding debts and specify their settlement. This includes mortgages, personal loans, and credit card debts. Clarify whether people should use specific assets to settle these debts. Proper planning ensures that your beneficiaries are not unduly burdened by these obligations.

Digital Assets and Online Presence

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Managing your digital legacy is an emerging concern in estate planning. From social media accounts to digital wallets and online businesses, clear instructions for these can prevent legal complications. Regularly updating access information and directives is crucial as well.

Storage of Will

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Store your will in a secure, accessible place and inform your executor of its location. Consider using a solicitor’s office, a bank safe deposit box, or a will storage facility. Avoid locations prone to hazards like fire or flooding. Make sure the executor knows where your will is to avoid any complications later.

Regular Updates

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Life changes such as marriage or asset gains necessitate updating your will. Regular reviews ensure your will remains relevant and reflects your current wishes. An outdated will can lead to unintended consequences and disputes among your heirs.

Legal and Financial Advice

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Securing expert advice is essential in crafting a legally binding will. Professionals can provide insights into complex situations and offer strategies for estate planning. This guidance is especially crucial for high-value or complicated estates. Ongoing relationships with these advisors can facilitate timely updates to your will.

Personal Sentiments and Final Messages

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Beyond the distribution of assets, a will can convey final messages to loved ones. Including personal letters adds a personal touch to your estate planning. These messages can provide comfort and closure to family and friends. It’s a thoughtful way to express love and gratitude while expressing your wishes.


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