Creating a will may not be the most uplifting task, but it’s one of the most important ways to protect your loved ones and ensure your wishes are carried out after you’re gone. Unfortunately, research shows that over half of Americans don’t have a will, including many parents. While wills can sometimes come with a cost, there are ways to get one for free or at a lower cost. 

Why you need a will 

If someone dies without a will, their estate becomes subject to state intestacy laws, which dictates how assets are distributed. This process can be stressful and time-consuming for loved ones. 

Here are some key reasons to have a will: 

• Protect unmarried partners: If you’re in a long-term relationship but unmarried, your partner typically has no legal right to inherit. A will ensures they’re included. 

• Avoid government claims: Without a will, your estate could end up with the government if no eligible heirs are found. 

• Control over your wishes: A will lets you specify funeral arrangements, guardianship for minor children, and how your assets should be distributed.  

Where to get a will

The process of creating a will can vary based on your needs:

• Online will services: Platforms like LegalZoom, Rocket Lawyer, and FreeWill offer simple, affordable will-writing tools. These are suitable for straightforward estates. 

• Attorney assistance: For complex situations, such as blended families, business ownership, or significant assets, hiring an estate attorney is recommended. Costs can range from $300 to $1,000 or more, depending on your needs. 

• Do-it-yourself (DIY) wills: In some states, handwritten wills are legally valid, but they must meet specific requirements. 

How to get a free (or discounted) will 

If the cost of creating a will is a concern, there are several ways to get one for free or at a reduced price: 

1. Charitable organizations

Some charities partner with legal services to offer free or low-cost wills in exchange for considering a charitable bequest. While you’re not obligated to leave money to the charity, it’s often encouraged. 

Organizations like FreeWill have campaigns to help individuals create wills at no cost. Check with charities or causes you support to see if they offer similar services. 

2. Trade unions 

If you’re a member of a union, you might have access to free or discounted legal services, including will preparation.  

Check with your union benefits to find out if will-writing services are included. 

3. Local bar associations  

Many state or county bar associations offer free or low-cost legal assistance for wills, particularly for seniors, veterans, or low-income individuals.  

4. Employer benefits

Some employers include legal assistance as part of their benefits package. If your workplace offers an Employee Assistance Program (EAP) or legal insurance, check to see if will preparation is covered. 

Review and update your will regularly 

Your will isn’t a one-and-done document, it should evolve as your life changes. Reasons to review or update your will include: 

• Getting married or divorced 

• Having children 

• Buying a house or acquiring significant assets 

• Changes in tax laws 

• Loss of a named beneficiary or executor 

The bottom line

A will ensures your loved ones are taken care of and your wishes are respected. Whether you use an online service, consult an attorney, or take advantage of free resources, there are options to fit every budget and need. Don’t delay—start planning today to give yourself and your family peace of mind!