Update Your Will: Life Event Checklist

Your will is not a "create it and forget it" document. As your life evolves through marriages, births, divorces, deaths, property acquisitions, and other significant changes, your estate planning needs to evolve alongside these transitions. Failing to update your will after major life events can result in unintended beneficiaries, family disputes, and assets being distributed in ways that no longer reflect your wishes. This practical guide provides a comprehensive checklist for ensuring your will remains current through life's many changes.

Why Updating Your Will Matters

According to the Law Society, approximately 60% of adults have outdated wills that no longer reflect their current circumstances or wishes. An outdated will can lead to serious consequences:

Assets going to unintended recipients (ex-spouses, estranged relatives)
New family members being accidentally excluded
Inappropriate guardians for minor children
Unnecessary tax liabilities
Contentious probate disputes
Failed bequests when specific property no longer exists

"An outdated will can be as problematic as having no will at all," explains Evaheld's estate planning guide. "Life changes often invalidate assumptions made when the original document was created, potentially undermining your entire estate plan."

Marriage and Civil Partnership

Marriage or entering a civil partnership significantly impacts your existing will and requires prompt attention.

Legal Impact of Marriage on Existing Wills

United Kingdom:

In England and Wales, marriage automatically revokes a previous will unless it was made "in contemplation of marriage"
In Scotland, marriage does not automatically revoke a will
Failure to create a new will after marriage means partial intestacy rules may apply

Australia:

Marriage generally revokes a prior will in most states and territories
Some jurisdictions have exceptions if the will was made in contemplation of marriage
State-specific rules apply, creating significant variation

Marriage Update Checklist

Create a new will if recently married (especially important in England and Wales)
Review and potentially revise executor appointments
Update beneficiary designations to include your spouse
Reconsider distribution of specific assets and family heirlooms
Review existing trusts and how marriage affects them
Update guardianship provisions if you have children from previous relationships
Consider incorporating mutual wills provisions or post-nuptial agreements if desired
Review superannuation/pension nominations which often operate outside your will
Update other estate planning documents (powers of attorney, advance directives)

The Legal Services Commission advises: "Even in jurisdictions where marriage doesn't automatically revoke a will, creating a new post-marriage will ensures your estate plan reflects your new relationship status and prevents potential family provision claims."

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Divorce or Separation

Divorce or relationship breakdown requires immediate estate planning attention, as many jurisdictions have complex rules about how separation affects existing wills.

Legal Impact of Divorce on Existing Wills

United Kingdom:

In England and Wales, divorce does not revoke a will but treats ex-spouse as having died
Any gifts to ex-spouse or appointments as executor fail automatically
Other provisions remain intact, potentially creating unintended consequences
Legal separation alone does not impact will provisions

Australia:

Rules vary by state/territory, but generally divorce revokes portions of will relating to ex-spouse
Separation without divorce typically has no legal effect on will provisions
Divorce generally revokes appointment of ex-spouse as executor or trustee

Divorce Update Checklist

Create a completely new will rather than relying on automatic revocation provisions
Remove former spouse as beneficiary (if desired)
Appoint new executors and trustees if former spouse held these roles
Update guardianship provisions for minor children
Review and update beneficiary designations on life insurance, retirement accounts, etc.
Address specific assets acquired during the relationship or through settlement
Consider trusts for children to ensure assets eventually pass to them
Review jointly owned property and update will to reflect changes in ownership
Update binding death benefit nominations for superannuation/pension funds
Create or update powers of attorney and advance care directives

According to Evaheld's divorce planning framework, "The period immediately following separation creates significant estate vulnerability. Temporary will amendments should be prioritized even before divorce is finalized to protect against unintended inheritance if death occurs during proceedings."

Birth or Adoption of Children

The arrival of children necessitates significant updates to ensure their financial security and care.

Legal Considerations for Children in Wills

Without specific provisions, children may not inherit at the time or in the manner you intend
Guardianship appointments are essential for minor children
Trusts may be necessary to manage assets until children reach appropriate age
Step-children and adopted children may have different legal status depending on jurisdiction

New Children Update Checklist

Include new children as beneficiaries
Appoint guardians for minor children
Consider trusts to manage assets for children until appropriate age
Name trustees to manage children's inheritance
Specify how assets should be divided among children (equal or otherwise)
Address specific needs of children (education, special needs, etc.)
Consider provisions for future children (yet unborn)
Review adequacy of life insurance to provide for children
Address specific items of sentimental value for each child
Consider letter of wishes with parenting guidance for guardians

The Public Trustee emphasizes: "Appointing guardians for minor children is perhaps the most critical element of will updates for new parents. Without clear appointments, courts determine guardianship based on limited information about parental preferences."

Death of Beneficiaries or Executors

When people named in your will predecease you, updates are necessary to prevent failed bequests or administrative complications.

Legal Implications of Predeceasing Beneficiaries or Executors

Gifts to deceased beneficiaries may lapse (fail) without proper contingency provisions
Anti-lapse statutes vary significantly between jurisdictions
Executor appointments become invalid if named person predeceases you
Trustee vacancies can create administration complications

Death of Named Individuals Checklist

Remove deceased beneficiaries and redirect their bequests
Replace deceased executors or trustees
Review whether alternate or residuary provisions adequately address the changes
Consider impact on distribution percentages if specific beneficiaries are removed
Update guardianship provisions if named guardians are no longer available
Review any specific bequests that were intended for deceased beneficiaries
Consider whether remaining beneficiaries should receive equal or different shares
Update any trust provisions affected by the death
Ensure adequate executors and trustees remain named (ideally at least two)
Review overall distribution scheme for continued fairness and appropriateness

Evaheld's estate administration guide notes: "The death of named executors often receives less attention than deceased beneficiaries, but can cause significant administrative complications if not promptly addressed through will updates."

Acquisition or Disposal of Significant Assets

Changes in your asset portfolio often necessitate will updates to ensure proper disposition of new assets or remove references to sold property.

Asset Changes Requiring Will Updates

Purchase or sale of real estate
Business acquisitions or sales
Significant investment portfolio changes
Inheritance received from others
Valuable collections acquired or sold
Digital assets of significant value

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Asset Change Checklist

Add specific provisions for newly acquired significant assets
Remove specific bequests of assets no longer owned
Review overall asset allocation to maintain proportional distributions
Consider implications for business succession if business interests change
Update digital asset provisions for new accounts or valuable digital property
Address specific items with sentimental value
Consider whether new assets should form part of specific trusts
Update overseas asset provisions if foreign property acquired or sold
Review overall estate value and potential tax implications of changes
Consider whether specific assets require special handling (collections, intellectual property)

The Australian Securities and Investments Commission advises: "Digital assets often represent a growing portion of estates but frequently go unaddressed in will updates. Cryptocurrency, valuable domain names, and online businesses require specific provisions and access instructions."

Moving Between Jurisdictions

Relocating between different legal jurisdictions can significantly impact will validity and interpretation.

Cross-Jurisdictional Considerations

Will execution requirements vary between jurisdictions
Forced heirship rules in some jurisdictions may override will provisions
Tax consequences differ significantly between countries and states
Property ownership laws vary, affecting how assets can be transferred
Recognition of trusts differs across legal systems

Relocation Checklist

Have will reviewed by legal professional in new jurisdiction
Consider creating a new will that meets local legal requirements
Address jurisdiction-specific estate or inheritance taxes
Review impact of matrimonial property regimes in new jurisdiction
Consider separate wills for assets in different countries
Ensure executor appointments are practical for new location
Review guardianship provisions under new jurisdictional laws
Address digital assets under new jurisdictional frameworks
Update powers of attorney and healthcare directives for new jurisdiction
Consider international probate implications

According to the Society of Trust and Estate Practitioners, "Cross-border estates require specialized planning approaches. While many jurisdictions recognize foreign wills, practical complications often make jurisdiction-specific documents more effective."

Methods for Updating Your Will

Different updating methods are appropriate depending on the extent of changes required.

1. Creating a New Will

Most appropriate when:

Multiple significant changes are needed
You've experienced major life changes (marriage, divorce)
You've relocated to a different legal jurisdiction
Your existing will is quite old or doesn't reflect current wishes
Your family situation has changed substantially

Process typically involves:

Explicitly revoking all previous wills
Creating entirely new document with current information
Meeting all execution requirements for your jurisdiction
Destroying previous will documents to prevent confusion

2. Adding a Codicil

Most appropriate when:

Making minor changes to an otherwise satisfactory will
Adding or removing specific bequests
Changing executors or trustees
Updating guardian appointments

Process typically involves:

Creating a supplementary document that refers to original will
Specifically identifying which provisions are being modified
Meeting the same execution requirements as a will
Storing codicil with original will

The Law Society cautions: "While codicils were historically common for minor updates, creating a completely new will is generally preferred with modern word processing. Codicils can create confusion and interpretation challenges, particularly if multiple codicils exist."

3. Online Will Update Services

Considerations:

Verify the service is jurisdiction-appropriate
Ensure execution requirements will be properly met
Understand limitations for complex situations
Consider whether professional review is included

According to Evaheld's digital planning guide, "Online will services can provide cost-effective updates for straightforward situations, but may not adequately address complex family situations, business interests, or cross-jurisdictional issues."

Best Practices for Regular Will Reviews

Beyond specific life events, establishing a regular review schedule helps ensure your will remains current.

Recommended Review Schedule:

Every 3-5 years as a general practice
After every major life event
Following significant changes in tax laws
When major health issues arise
When relationships with beneficiaries change significantly
When executors or guardians become unsuitable

Systematic Review Checklist

Verify all named executors are still willing and able to serve
Confirm guardian appointments remain appropriate
Review all beneficiary designations for continued relevance
Ensure asset listings are current and complete
Verify distribution scheme still reflects your wishes
Check that digital asset provisions address current accounts
Confirm trust provisions remain appropriate for beneficiaries
Verify will meets current legal requirements in your jurisdiction
Review tax planning aspects in light of current legislation
Consider whether additional estate planning tools are now appropriate

The Public Trustee and Guardian ACT recommends: "Scheduling calendar reminders for regular will reviews helps ensure this important task isn't overlooked. Many significant life changes occur gradually rather than as obvious trigger events."

Common Mistakes to Avoid When Updating Wills

Understanding common pitfalls helps ensure effective will updates.

Frequent Update Errors

1. DIY Amendments

Handwritten changes on existing wills are generally invalid
Crossing out provisions doesn't legally remove them
Informal updates create confusion and potential contests

2. Neglecting Related Documents

Failing to update powers of attorney alongside will
Overlooking beneficiary designations on financial accounts
Not updating advance healthcare directives

3. Improper Execution

Not meeting witnessing requirements for updates
Failing to properly sign and date codicils
Improper storage causing updates to be lost or separated from original

4. Inadequate Communication

Not informing executors of changes to their responsibilities
Failing to explain reasons for changes to family members
Not updating the location information for new documents

5. Incomplete Updates

Addressing some but not all necessary changes
Creating internal inconsistencies within the will
Overlooking ripple effects of specific changes

Conclusion: Creating an Update-Friendly Estate Plan

The most effective estate plans anticipate future changes and create structures that minimize the need for frequent formal updates.

Strategies for Flexible Estate Planning:

Use percentage-based distributions rather than specific dollar amounts
Incorporate broad class gifts that automatically include new members
Create flexible trust structures that accommodate changing circumstances
Name alternate beneficiaries, executors and guardians to address potential deaths
Consider letter of wishes for frequently changing preferences
Use residuary clauses that capture overlooked assets
Build in contingency planning for likely future scenarios

Remember that while these strategies provide some flexibility, they don't eliminate the need for updates after significant life events. An outdated will can fail to protect those now most important to you and may create conflict rather than clarity during an already difficult time.

By proactively reviewing and updating your will following major life transitions, you ensure your estate plan continues to reflect your current wishes, relationships, and priorities—providing both peace of mind and protection for those you care about most.

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Updating Your Will After Life Events: Practical Checklist