How to Write a Last Will in 10 Easy Steps

10 Nov, 2023
Paresh @Boloforms
8 min read
How to Write a Last Will in 10 Easy Steps

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Planning for the future is a responsibility we often postpone, but it's a task of paramount importance. Crafting a last will and testament is one such crucial aspect of preparing for what lies ahead. It's not just about distributing your assets; it's about ensuring your loved ones are cared for, your legacy is honored, and your wishes are respected.

In this comprehensive guide, we will walk you through the process of writing your last will in 10 easy, straightforward steps. Whether you're a parent wanting to secure your children's future, a homeowner with valuable assets, or simply someone who wants to make their intentions clear, we're here to help you navigate the sometimes daunting world of estate planning.

Is it possible to write your own will?

Yes, you can write your own will, known as a "holographic will" or "handwritten will," in many jurisdictions. Your handwritten will must be clear and legible to ensure there is no confusion about your intentions. It should be written in a language that the court can understand.

Clearly specify who your beneficiaries are and describe the assets you want to leave to them. Be as specific as possible to avoid ambiguity or disputes. You should name an executor in your will to ensure your wishes are carried out. This person will be responsible for managing the distribution of your assets and fulfilling your wishes as stated in the will.

Making your will in 10 steps

Writing a last will, also known as a last will and testament, is an important legal document that allows you to specify how your assets and possessions should be distributed after your passing. Here are 10 steps to help you create a last will:

Consider Your Wishes

Before you start writing your will, make a list of your assets, including real estate, bank accounts, investments, personal property, and valuable possessions. Determine how you want these assets to be distributed. Clearly specify who will inherit your assets. This can include family members, friends, charities, or other individuals or organizations. Be as specific as possible to avoid confusion.

Address any outstanding debts or liabilities in your will and specify how they should be settled using your assets. You can include your preferences for your funeral, burial, or cremation arrangements in your will.

Choose an Executor

Choosing an executor for your will is a crucial decision, as this individual will be responsible for managing and executing your final wishes after your passing. Your chosen executor should be someone you trust completely. They will have access to your financial and personal information, so it's essential to select a person with integrity and honesty. They should be organized and detail-oriented. They will need to manage the distribution of your assets, pay outstanding debts, and handle various administrative tasks efficiently.

Ensure that the person you choose is willing to take on the responsibilities of being an executor and has the time to fulfill these duties. Being an executor can be time-consuming, so it's important that they are available when needed. It can be helpful if the executor has a basic understanding of financial matters, as they will be responsible for managing your financial assets and settling debts.

Gather Financial Information:

Gathering accurate and comprehensive financial information is a crucial step when writing a will. Having a clear picture of your financial assets and liabilities ensures that your will accurately reflects your wishes and facilitates the distribution of your estate.

List all your bank accounts, including checking, savings, and certificates of deposit (CDs). Include the bank's name, account number, and the approximate balance. Document your investment accounts, such as brokerage accounts, mutual funds, stocks, and bonds. Include the financial institution's name, account numbers, and approximate values. Make a list of all properties you own, including your primary residence, vacation homes, rental properties, and undeveloped land. Include property addresses, ownership details, and estimated values. Document any life insurance policies you hold, including the policy numbers, beneficiaries, and coverage amounts. If you own a business or hold interests in businesses, outline the details, such as the type of business, ownership percentages, and estimated values. Mention digital assets like online accounts, social media profiles, and cryptocurrency holdings. Include login information, account details, and instructions for their management.

Determine Debts and Liabilities:

When writing a will, it's crucial to determine and document your debts and liabilities. This information is essential for ensuring that your financial affairs are properly managed after your passing. Make a comprehensive list of all your outstanding debts, including mortgages, personal loans, car loans, credit card balances, student loans, and any other types of loans. Specify the name of the creditor, the outstanding balance, interest rates, and the account or loan numbers if applicable.

Examine bank statements, credit card statements, loan statements, and any other financial documents to identify any debts or liabilities you may have overlooked. Take into account any pending legal claims, lawsuits, or judgments against you. Document the details of these legal matters, including the nature of the claim, the parties involved, and the estimated financial impact. Consider any pending or unpaid taxes, such as income taxes or property taxes. Review your previous tax returns for any outstanding tax liabilities.

Consult an Attorney

Consulting an attorney when writing a will is a wise and often recommended step, especially if your financial situation is complex, or you have specific legal concerns.

Attorneys who specialize in estate planning will have a deep understanding of the legal requirements and complexities involved in creating a will. They can help ensure that your will complies with the laws of your jurisdiction. An attorney can tailor your will to your specific needs and circumstances. They can provide guidance on the best ways to achieve your goals, whether it's asset distribution, tax planning, or other objectives. If you have a large or complex estate, multiple beneficiaries, or assets in different states or countries, an attorney can navigate the intricacies of estate planning and create a comprehensive plan to protect your assets and reduce tax liabilities. Attorneys can help you develop strategies to minimize estate taxes, which can be a significant concern for individuals with substantial assets. Keep in mind that while consulting an attorney can be beneficial, it may involve legal fees, but it ensures that your wishes are accurately and legally reflected in your will, potentially saving time and preventing disputes for your loved ones in the future.

Sign the Will

Signing your will is a critical step in the process of creating a legally valid and enforceable document. The requirements for signing a will can vary by jurisdiction, so it's essential to follow the legal requirements specific to your location. Most jurisdictions require your will to be witnessed by individuals who are not beneficiaries or closely related to the beneficiaries. The number of witnesses required can vary, but it's typically two or more. The will signing should typically occur in person, and the witnesses should be present at the same time you sign the document. When signing your will, it should be clear that you are doing so with the intent of creating your last will and testament. You should sign your will voluntarily, without any undue influence or coercion from others. Inadequate or improper execution of your will can result in it being contested or declared invalid, which can lead to unintended consequences for your estate and beneficiaries.

Review and Update

Regularly reviewing and updating your will is important to ensure that it accurately reflects your current wishes and circumstances. Life events, changes in your financial situation, and evolving relationships may necessitate updates to your will.

If you get married, divorced, or have children, you should review your will to account for these significant life changes. You may want to name new beneficiaries or change existing ones. If you acquire substantial assets, inherit property, or experience financial fluctuations, it's a good time to review your will and determine how these changes should be addressed in your estate plan. If you move to a different state or country, it's essential to review your will to ensure it complies with the laws of your new jurisdiction, as estate laws can vary. Regularly reviewing and updating your will helps ensure that your estate planning remains current and aligned with your intentions. While you can make minor changes with a codicil, significant life events may warrant creating a new will to comprehensively address your evolving situation and wishes.

Store the Will Safely

Storing your will safely is crucial to ensure that it remains protected and accessible when needed. A fireproof safe at home or a safety deposit box at a bank can be excellent choices for storing your will. Both options provide protection against fire, theft, and damage. Store the original, signed copy of your will, as this is the legally binding document. Avoid storing only copies, as some jurisdictions may require the original for probate. Label the envelope or folder with "Last Will and Testament" or a similar designation so that it is easily identifiable.

Inform Your Loved Ones

Make sure your executor and a trusted family member or friend know where your will is stored. Provide them with clear instructions on how to access it. Create multiple copies of your will and keep them in separate locations. This can serve as a backup in case the original is lost or damaged. Remember that the security and accessibility of your will are paramount. Ensuring that your executor and trusted individuals are aware of its location and how to access it is vital to the proper execution of your estate plan. It's also a good practice to review your will and its storage arrangements periodically to account for any changes in your situation.

Understanding the legal requirements when writing a will is crucial to ensure that your will is legally valid and enforceable. These requirements can vary by jurisdiction, so it's important to familiarize yourself with the specific laws and regulations that apply to your location. To ensure that your will complies with the legal requirements in your specific jurisdiction, it's advisable to consult with an attorney experienced in estate planning. They can help you draft a will that is legally sound and tailored to your individual needs, reducing the risk of challenges or disputes in the future. Additionally, it's a good practice to periodically review your will to ensure that it remains up-to-date and reflects your current wishes and circumstances.


In the course of our lives, we accumulate not just possessions, but also memories, values, and love that we want to pass on to those we care about. Writing a last will, while it may seem daunting at first, is the vehicle through which we can translate our intentions into a legally binding document. It's a profound expression of love, responsibility, and foresight.

Throughout this journey, we've taken you through 10 easy steps to write your last will. By following these steps, you're not just making sure your assets are distributed as you wish, but you're also leaving behind a legacy that resonates with your values and care for your loved ones.


What is the procedure for writing a Will?

Writing a will involves a structured procedure to ensure that your last wishes are legally documented and properly executed. Creating a will is a significant legal document, and it's important to ensure that it complies with the laws in your jurisdiction. If you have a complex estate, consider consulting an attorney to provide legal guidance and draft the will for you. Regularly reviewing and updating your will is also essential to keep it accurate and reflective of your current situation and wishes.

What are the rules for a death will?

A "death will" is not a commonly recognized legal term. Wills, in general, are legal documents that specify how a person's assets and property should be distributed after their death. The rules and requirements for a valid will apply to any type of will, including those created with the intent of addressing matters after death.

Is will on plain paper valid?

Whether a will written on plain paper is considered legally valid or not depends on the laws of the jurisdiction where the will is created. In many jurisdictions, it is possible to create a legally valid will on plain paper, but there are specific requirements that must be met for such a will to be considered valid.