Things to consider

Before you start making your own will, or go to see a lawyer, you need to consider the following points:

  • What do you own (your estate)?
  • Who do you want to leave your estate to?
  • Who will be the executor of your will?
  • Do you want to leave directions about the payment of debts and funeral expenses?
  • Should you set up a trust or leave gifts directly?
  • Do you have any concerns about who will be a guardian for your children?
  • What sort of burial or cremation arrangements do you want?

What is in your estate?

Your estate may include things such as your house, land, car, bank accounts, jewellery, clothes, household goods and investments. Proceeds from life insurance policies and superannuation may be assets in your estate, but that will depend on the wording of the policy or superannuation trust deed. Remember, where the deceased and another person own property as joint tenants, the surviving co-owner automatically owns the deceased's share regardless of a will or intestacy rules (see Who can inherit? - If the deceased owned property with someone else).

Who do you want to leave your estate to?

Beneficiaries can be individuals or organisations such as charities. For more information about relationships and wills see Who can inherit? and Rights of beneficiaries (covers de facto and same sex partners; adopted, ex-nuptial and step children, and half siblings).

Should you set up a trust?

If you do want to set up a trust (for example for your children), you must decide who you wish to appoint as trustee. Your executor can also be your trustee. You should seek professional help if you wish to set up a trust in your will. See also Related wills - Testamentary trust wills.

Who should be your executor?

It is important to appoint someone you trust because they will be responsible for seeing that your wishes are carried out and that your body is disposed of in the manner you wish. Usually a major beneficiary is nominated unless the beneficiary is under 18 years of age or mentally incapable of acting.

It is a good idea to also name an alternative executor to take responsibility in case your first executor dies before you or shortly afterwards, or is incapable mentally or physically of acting as your executor (see Appointing an executor and Probate and duties of executor for more on executors).

Appointing a guardian of your infant children

You may wish to appoint a guardian if the other parent is deceased. If there is a dispute about who will be guardian, the court will make the appointment. Whatever you write in your will may be taken into consideration by the court.

Deciding on burial or cremation arrangements

Although it is common to leave instructions about burial or cremation in a will or elsewhere, it is up to your executor to decide whether or not they will carry out your wishes.

It is advisable to inform your next of kin or your executor of your wishes as well as including that information in your will. Often your funeral will have taken place before your will is read.

Residuary clauses

Every will should include a residuary clause. This will deal with any assets not specifically disposed of in your will and the proceeds of any specific legacies which lapse (for example, if a beneficiary has died within 30 days of you). Failure to include a residuary clause may mean that part of your estate will be administered in accordance with intestacy rules which may not be in accordance with your wishes.

A new provision in the Succession Act 2006 (section 31) provides that if any gift is ineffective, the will takes effect as if the gift formed part of your residuary estate. There is also a new provision in the Act which states how a gift of residue will be construed (section 42). Legal advice should be obtained if you have concerns about the wording of a residuary clause.


Any debts you owe must be paid first before your beneficiaries receive anything. There are specific rules about which of your assets are used to pay your debts. If you wish to specify from which assets your debts are to be paid, you should seek professional help with your will.

What happens if a beneficiary dies?

A major change introduced by the Succession Act 2006 (section 35) is that if the will-maker leaves a gift to a person who dies within 30 days of the will-maker, the will takes effect as if the beneficiary died immediately before the will-maker. An exception to that rule occurs if the beneficiary was issue of the will-maker and died leaving children who survive the will-maker by 30 days. In that case the gift will pass to the issue equally and not to the deceased beneficiary's estate as was the case previously (section 41).

The will-maker can exclude the 30 day rule from their will or lengthen or shorten the period. The will-maker can also make specific provision in the will as to what is to happen if a beneficiary dies within 30 days of the will-maker's death.

This is another good reason for having your will prepared professionally.

Determining time of death

If two or more people die at the same time and the order of death cannot be determined, the law in NSW presumes that the oldest died first. The estates are divided accordingly.