5 min read

A Guide to Drafting a Legally Valid Will in Canada

Written by
Willfinity Team

The very essence of estate planning is embodied in one's last will and testament. It is the silent voice that speaks on behalf of the deceased, detailing their wishes concerning the distribution of their worldly assets. For many Canadians, the process of drafting a will raises several questions: Is my will legally defensible? Does it necessitate the involvement of legal professionals? What if someone challenges its authenticity?

The aim of this article is to shed light on these concerns and provide clarity on the intricacies of creating a will that stands firm against legal scrutiny in Canada.

The Legal Foundation of a Will in Canada

In the eyes of the law, a will is not merely a document; it's a testamentary instrument that delineates how an individual's estate should be allocated posthumously. An estate, in this context, represents the entirety of one's assets, encompassing anything of financial or intrinsic value. Noteworthy exclusions from this definition are assets owned jointly, pensions, and certain life insurance policies that designate a beneficiary upon the policyholder's demise.

Crafting a will allows an individual the privilege of bequeathing specific assets to chosen beneficiaries. This could be in the form of tangible assets, monetary gifts, or even legacy contributions to charitable institutions and organisations that resonate with one's personal values and beliefs.

The Pillars of a Legally Sound Will

The validity of a will in Canada hinges on several factors. These are not merely statutory requirements but are foundational principles that ensure the equitable distribution of assets in line with the deceased's wishes:

Age Requirement

The testator, or the individual drafting the will, must have attained the age of majority. In most Canadian provinces, this is set at 18 years, with certain exceptions.

Mental Capacity

The testator must possess the mental acumen to comprehend the implications of the will, the nature of the assets in their possession, and the beneficiaries they are bequeathing these assets to.

Voluntary Execution

A will must be drafted without any external duress or coercion. It should be a true reflection of the testator's free will.


The presence of witnesses during the signing of the will is pivotal. Their role is to affirm the testator's identity and vouch for the voluntary nature of the execution.

The Role of Legal Professionals in Will Creation

While Canadian law doesn't mandate the involvement of a lawyer or notary in the drafting of a will, their expertise can be invaluable. Legal professionals bring to the table a nuanced understanding of the law and can guide individuals in crafting a document that is both comprehensive and free from potential pitfalls. Their involvement can serve as a bulwark against potential contests and disputes, ensuring that the will's execution aligns seamlessly with the testator's intentions.

Contesting a Will: Grounds and Implications

The sanctity of a will rests on its ability to truly represent the wishes of the deceased. However, there are instances where its authenticity or intent may be challenged. Understanding the grounds on which a will can be contested is pivotal for anyone engaged in estate planning.

1. Grounds for Contesting a Will

There are several reasons why a will might be brought under legal scrutiny:

  • Lack of Valid Execution: If a will doesn't adhere to the statutory requirements, such as being signed in the presence of witnesses, it may be deemed invalid.
  • Undue Influence: If there's evidence suggesting that the testator was coerced or influenced unduly by an external party when drafting the will, it may be contested.
  • Ambiguities: A will that is not clear in its directives, or open to multiple interpretations, can be a hotbed for disputes.
  • Lack of Testamentary Capacity: If there's reasonable doubt that the testator lacked the mental capacity to draft a will at the time of its creation, its validity can be questioned.

2. The Importance of Clarity in a Will

A well-drafted will leaves little room for misinterpretation. It is precise, detailed, and unambiguous in its directives. Ensuring clarity in a will is not just about using clear language, but also about anticipating potential disputes and addressing them proactively. For instance, if a testator is consciously excluding a close family member from their will, it may be prudent to provide a rationale for this decision within the document. This can deter potential contests based on claims of oversight or unintentional omission.

3. The Landscape Without a Will: Intestacy in Canada

In the unfortunate event that an individual passes away without a will, they are deemed to have died intestate. The repercussions of intestacy are profound. In the absence of explicit directives from the deceased, the distribution of the estate is governed by provincial laws.

Each province in Canada has its own set of rules for intestate succession. Typically, the estate is divided among the closest living relatives, starting with the spouse and children. In the absence of immediate family, the assets might be distributed to more distant relatives. If no eligible heirs are identified, the estate could potentially escheat to the Crown.

The process of intestate succession not only depersonalises the distribution of assets but can also lead to unintended beneficiaries and potential disputes among family members. Crafting a will is, therefore, not just a matter of legal prudence but also of ensuring that one's assets are bequeathed in line with their personal desires and values.

Evolving with Time: The Dynamic Nature of Wills

Estate planning is not a one-time exercise. As life evolves, bringing with it new assets, relationships, and circumstances, it's imperative that one's will mirrors these changes. A will that remains static amidst dynamic life changes can potentially lead to unintended outcomes upon its execution.

1. The Imperative of Updating a Will

Several life events necessitate a reevaluation and potential update of one's will:

  • Marriage or Divorce: Entering or exiting a marital bond can significantly alter the distribution dynamics of one's assets.
  • Birth or Adoption: The addition of a new family member can warrant the inclusion of new beneficiaries or allocation adjustments.
  • Acquisition or Disposal of Assets: Significant financial changes, such as buying a property or selling a business, can impact the asset distribution laid out in the will.
  • Changes in Relationships: Falling outs, reconciliations, or the demise of a named beneficiary can necessitate modifications in the will.

Proactively updating the will ensures that it remains a true reflection of the testator's current wishes and circumstances.

2. Digital Assets: The New Frontier in Estate Planning

In today's digital age, our assets are not just limited to tangible properties and bank accounts. Digital assets, ranging from social media accounts, digital currencies, to online businesses, form a significant part of modern estates. Addressing the management and distribution of these digital assets in a will is crucial.

While Canadian law is still evolving in this domain, it's prudent to provide clear directives in the will regarding:

  • Access to Digital Assets: Detailing usernames, passwords, and access protocols can facilitate smoother transitions.
  • Distribution or Deletion: Specifying whether digital assets should be transferred, monetized, or deleted posthumously.
  • Digital Executors: Appointing individuals adept at navigating the digital realm to manage and execute the digital asset directives.

3. Responsible Estate Planning: Leaving No Stone Unturned

In closing, the importance of a comprehensive, clear, and current will cannot be overstated. It's the cornerstone of responsible estate planning, ensuring that one's assets are distributed in line with their wishes, minimizing disputes, and providing peace of mind to the testator and their loved ones.

While the legal framework provides the guidelines, the spirit of a will lies in its ability to encapsulate the testator's desires, values, and legacy aspirations. And while the services of legal professionals can be invaluable in this journey, the ultimate responsibility rests with each individual to ensure that their will stands as a true testament to their life and wishes.

Frequently Asked Questions (FAQs) About Wills in Canada

1. Can I draft a will on my own without a lawyer?

Yes, it's legally permissible to draft a will without a lawyer's assistance in Canada. However, seeking legal advice can ensure that the will is comprehensive, adheres to statutory requirements, and stands resilient against potential contests.

2. What happens if I don't have a will when I pass away?

If an individual passes away without a will, they are deemed to have died intestate. In such cases, provincial laws dictate the distribution of the estate, typically favouring immediate family members. This can sometimes lead to unintended beneficiaries and potential disputes.

3. Can I include my digital assets, like social media accounts, in my will?

Yes, it's advisable to address digital assets in your will. This can encompass social media accounts, digital currencies, online businesses, and more. Detailing access protocols and distribution or deletion preferences can ensure these assets are managed as per your wishes.

4. How often should I update my will?

While there's no fixed timeline, it's recommended to review and potentially update your will after significant life events such as marriages, divorces, births, acquisitions or disposals of major assets, or changes in relationships.

5. Can someone contest my will after my demise?

Yes, a will can be contested on various grounds, including lack of valid execution, undue influence, ambiguities, or lack of testamentary capacity. Ensuring clarity, adherence to legal requirements, and seeking legal counsel can minimize the chances of a successful contest.

6. Can I exclude a family member from my will?

Yes, you have the discretion to include or exclude individuals from your will. However, if you're excluding someone who might reasonably expect to be a beneficiary (like a child or spouse), it's wise to clearly state the rationale within the will to deter potential contests.

7. Is an online will valid in Canada?

Online wills, if created following the statutory requirements, can be valid. However, it's essential to ensure that such wills are printed, signed, and witnessed as per Canadian legal standards. Willfinity provides a set of instructions on how to make your online will legally valid.

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