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How to Make a Will Without a Lawyer: A Comprehensive Guide

Greg Mitchell | Legal consultant at AI Lawyer
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Creating a will is one of the most important ways to ensure your assets are distributed according to your wishes after you pass. While many people think making a will requires a lawyer, it’s completely possible to make a valid will on your own if you have a simple estate. This guide will cover everything you need to know about making a will without a lawyer, including tips for writing, signing, and storing your will safely.
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Why Consider a DIY Will?
Creating a will on your own can be a practical, cost-effective choice, especially for those with straightforward estate needs. Many people don’t realize that making a will without a lawyer is both legal and relatively easy if their estate is simple. If your primary goals are to specify how you’d like to distribute your assets, appoint guardians for minor children, and name someone to handle your estate affairs, a DIY approach can be ideal. DIY wills allow you to maintain control over your estate while avoiding the often substantial legal fees associated with traditional estate planning. Most online tools or will kits offer state-specific templates that ensure your will meets local legal requirements, so you can feel confident it will be valid and enforceable.
On the other hand, if your estate involves complex factors—such as substantial assets, a business, or unique family dynamics (like a blended family or specific disinheritance instructions)—it might be wise to seek advice from an estate attorney. An attorney can offer valuable guidance on structuring a will that minimizes potential disputes and ensures compliance with tax regulations. Additionally, if you expect your will could be contested or if you have concerns about creditors, a lawyer can help you build a more robust document to withstand potential challenges. In cases like these, investing in professional assistance can save your loved ones time, effort, and the risk of legal complications later.
Understanding the Different Types of Wills
When creating a will without a lawyer, it’s helpful to know the different types of wills and choose the one that fits your needs:
Simple Will: A straightforward will that distributes your assets and names beneficiaries. It’s ideal for those with uncomplicated estates.
Holographic Will: A handwritten will that doesn’t require witnesses in some states. However, this type can be prone to legal challenges, so it’s best used as a temporary solution.
Pour-Over Will: Typically used alongside a trust, this will transfers any remaining assets into the trust upon death, ensuring a smooth transition.
Living Will: Though it’s not a will for distributing assets, a living will states your preferences for medical care and end-of-life treatment. Many choose to create this document in addition to a last will and testament.
Each type of will has specific requirements, so confirm that your chosen format meets the legal standards in your state.

Common Mistakes to Avoid When Writing a DIY Will
Creating a will on your own can be simple, but there are common pitfalls to be aware of:
Forgetting to Name an Executor: The executor is crucial for carrying out your wishes, so ensure you name someone responsible and capable of managing your estate.
Vague Descriptions of Assets: Avoid general terms like “all personal property.” Be specific with descriptions to prevent confusion or disputes among beneficiaries.
Not Keeping the Will Updated: Major life changes—like marriage, divorce, or new assets—require a will update to reflect your current situation accurately.
Improper Witnessing: Ensure your witnesses meet state requirements. Using interested parties as witnesses can invalidate your will in some cases.
Ignoring Digital Assets: With the rise of online assets, it’s essential to include digital accounts and intellectual property in your estate plan to secure these items after your death.
How AI Lawyer Can Help You Save on Estate Planning
At AI Lawyer, we make creating a will easy, accessible, and cost-effective. Our AI-driven platform provides the tools you need to draft a legally sound will without needing to hire a lawyer, saving you hundreds of dollars in estate planning costs. Whether you need to specify asset distribution, assign guardians for minor children, or designate an executor, AI Lawyer guides you through each step, ensuring your wishes are clear and legally compliant.
With AI Lawyer, you can complete your estate planning quickly, securely, and affordably—all from the convenience of your computer or mobile device. Our streamlined process is designed to help you focus on what matters most, without the hefty legal fees.

Steps to Make a Will Without a Lawyer
Creating a will on your own might seem challenging, but it’s entirely achievable with the right approach. By following a few essential steps, you can ensure your will is legally valid and accurately reflects your wishes. Here’s a simple guide to help you make a will without a lawyer, covering everything from naming beneficiaries to signing your document correctly.
1. Decide on the Format of Your Will
There are several methods available for creating a DIY will, such as printable templates, fillable forms, and online will-makers like FreeWill, LegalZoom, or Trust & Will. These online platforms offer guided, state-specific templates and are designed to include all necessary legal language.
2. Ensure Legal Validity of Your Will
To make a will legally binding, it must meet the following criteria:
Declare it as your last will and testament: Clearly state that the document is your final will.
Identify yourself and your mental state: Include your full name and affirm you are of sound mind, making this will freely and not under pressure.
Signatures and Witnesses: You must sign the will in front of at least two “disinterested” witnesses—meaning they aren’t beneficiaries. While some states require notarization, most only require the signatures of you and your witnesses.
3. Appoint a Guardian for Minor Children
If you have minor children, naming a guardian is crucial. This person will be legally responsible for your children’s well-being if you pass away before they reach adulthood. You can also select an alternate guardian in case your primary choice cannot take on the role.
4. Make a Detailed List of Assets
Include all your assets in your will. These should encompass:
Physical assets: Your home, vehicles, family heirlooms, and any other tangible property.
Financial assets: Bank accounts, investments, retirement savings, and any insurance policies.
Digital assets: Social media accounts, digital subscriptions, or online businesses.
When describing assets, be specific. For instance, instead of “my car,” note the make, model, year, and color to avoid confusion.
5. Assign Beneficiaries for Each Asset
Next, specify who will receive each of your assets. Use the full legal names of all beneficiaries to reduce ambiguity, and consider listing secondary beneficiaries as a backup. For instance, if you’d like to leave your bank account to a friend, but they pass away before you, a secondary beneficiary ensures your assets still go where you intend.
6. Choose a Residuary Beneficiary
This person will inherit any assets not specified in your will, ensuring no property remains unclaimed. This can be especially helpful if you acquire new property or assets after drafting your will but haven’t updated it.
7. Plan for Pets
In legal terms, pets are considered property, so they can’t inherit assets. However, you can name a guardian for your pets and leave funds to cover their care.
8. Name an Executor for Your Will
Your executor (or personal representative) will be responsible for carrying out the instructions in your will. Their duties include managing your assets, settling debts, and ensuring beneficiaries receive their inheritance. Select someone trustworthy and organized, and make sure they’re willing to take on the responsibility.
9. Finalize and Sign Your Will
Once completed, sign your will in front of two disinterested witnesses. Witnessing requirements may vary by state, so check local laws. To further strengthen the will, consider notarizing it, even if your state doesn’t require it. This extra step can make it more difficult for others to contest your will in court.
10. Store Your Will Safely
Once signed, store your will in a secure location, like a safe or a safety deposit box. Inform your executor and close family members where they can find it when needed.

When You May Need a Lawyer
While most simple estates don’t require a lawyer, certain situations benefit from legal advice, including if you:
Own property or assets across multiple states.
Have a large estate that might trigger estate taxes.
Own a business that needs careful succession planning.
Have a blended family, or want to disinherit someone.
In these cases, a lawyer can help you avoid common pitfalls and ensure your will holds up in court.
Types of Wills and Estate Planning Terms to Know
Before drafting your will, it’s helpful to understand the types of estate documents available:
Last Will and Testament: This document states who will inherit your assets after death.
Living Will: Details your preferences for end-of-life medical care if you cannot communicate.
Power of Attorney (POA): Grants someone authority to make financial or legal decisions on your behalf if you become incapacitated.
Trust: Allows you to manage assets separately from your will, often to reduce taxes or simplify the distribution of certain assets.
Updating Your Will
It’s important to review your will every few years or after significant life events, such as marriage, divorce, the birth of a child, or acquiring significant assets. Updating your will can be done by adding a codicil (an amendment) or creating a new will. Make sure to invalidate previous versions if drafting a new one.
Conclusion
Creating a will without a lawyer can be a straightforward and cost-effective way to ensure your assets are distributed according to your wishes. By following a structured approach—listing your assets, appointing guardians for minor children, naming an executor, and specifying beneficiaries—you can establish a legally valid document that reflects your intentions. Online tools make this process even simpler, offering guided templates that are tailored to meet state-specific requirements, all while helping you avoid the high costs associated with traditional estate planning.
However, it’s important to remember that a will is more than just a list of assets; it’s a guide for your loved ones and a way to provide them with clarity during a difficult time. Storing your will securely, informing your executor, and reviewing it periodically can help ensure your instructions remain clear and accessible. Although a DIY will is suitable for many, those with complex estates or unique family situations may benefit from a consultation with an estate attorney to address specific needs.
In the end, having a valid will is a critical step in protecting your legacy and giving peace of mind to those you leave behind. Whether you create your will on your own or with legal guidance, taking action now can save your loved ones time, effort, and potential conflict down the road.
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FAQ
1. Is it legal to make a will without a lawyer?
Yes, it is legal to make a will without a lawyer in the U.S. as long as it meets your state’s requirements. You must be of sound mind, at least 18 years old, and follow state-specific signing and witnessing rules for your will to be valid.
2. What happens if I pass away without a will?
If you pass away without a will, known as “dying intestate,” your estate will be distributed according to state laws. This process might not align with your personal wishes and can lead to prolonged court proceedings.
3. Can I make my will online?
Yes, there are reputable online platforms such as FreeWill, LegalZoom, and Trust & Will that provide state-compliant templates for making a will. These platforms guide you through the process, making it easy to complete a legally valid will without an attorney.
4. Do I need witnesses to sign my will?
Most states require at least two “disinterested” witnesses who aren’t beneficiaries to sign your will. This helps ensure its validity and minimizes the chance of it being contested in court.
5. What is an executor, and why do I need one?
An executor is the person responsible for carrying out your will’s instructions, including distributing assets and handling probate. Choosing a reliable and organized executor is crucial for ensuring your wishes are honored.
6. Can I change my will after it’s completed?
Yes, you can update your will at any time. Minor updates can be made through a codicil, a formal amendment to your will, while significant changes may require drafting a new will.
7. How should I store my will?
Store your will in a secure, accessible place, like a safe or a bank safety deposit box, and let your executor know where to find it. It’s also helpful to provide a copy to a trusted family member or friend.
8. What’s a residuary beneficiary?
A residuary beneficiary is someone you designate to receive any assets not specifically mentioned in your will. They handle any remaining assets, ensuring nothing is left to be distributed by the court.