Joint Wills: Exploring the Pros and Cons for Spouses

Aug 04, 2023

By D.S. Moss

Creating a will is an essential part of estate planning, ensuring that your wishes are carried out after your passing. For married couples, one option to consider is a joint will. A joint will is a legal document that combines the testamentary wishes of both spouses into a single document. In this blog post, we will explore the advantages and disadvantages of creating a joint will. We'll discuss the benefits it offers, such as lower cost and simplicity, as well as potential pitfalls, including inflexibility and complications that may arise from changes in marital or financial status.

Understanding Joint Wills

A joint will is a unified legal document that outlines the distribution of assets, property, and other provisions for both spouses. It is typically created by a married couple who wish to have their wills reflect their shared intentions and ensure that their wishes are carried out consistently. Unlike individual wills, a joint will cannot be changed or revoked by one spouse after the other passes away.

Advantages of Joint Wills:

  1. Lower Cost: Creating a single joint will is generally more cost-effective than drafting separate wills for each spouse. This can save on attorney fees, as well as simplify the overall estate planning process.

  2. Simplicity: With a joint will, both spouses' wishes are captured in a single document, making it easier to manage and understand. This can help avoid confusion and potential conflicts in the future.

  3. Ensuring Both Spouses' Wishes: A joint will guarantees that both spouses' wishes are explicitly outlined and respected. It provides peace of mind knowing that your intentions will be carried out as intended.

Disadvantages of Joint Wills:

  1. Inflexibility: Once a joint will is created, it becomes binding for both spouses. This lack of flexibility can be problematic if circumstances change or if one spouse wishes to update their will independently.

  2. Vulnerability to Changes: A joint will may become vulnerable to changes in marital or financial status. For example, if one spouse remarries or acquires new assets, the provisions outlined in the joint will may no longer align with their current wishes or circumstances.

  3. Complications in Estate Administration: If complications arise during the administration of the estate, such as disputes among beneficiaries or complex tax considerations, a joint will may make the resolution more challenging due to the shared nature of the document.

Legal Framework and Examples

It's important to consult with an experienced estate attorney when considering a joint will, as laws regarding wills vary by jurisdiction. They can provide guidance tailored to your specific situation and ensure that your wishes are legally protected.

For example, let's consider a scenario where one spouse passes away, and the surviving spouse inherits all assets based on a joint will. If the surviving spouse later enters a second marriage, assets intended for children from the first marriage may be at risk, as the joint will may not allow for independent modifications.

Alternatively, if a joint will is created, and one spouse wants to leave a specific asset to a family member, but the other spouse disagrees, disputes may arise during the estate settlement.


Creating a joint will with your spouse has both advantages and disadvantages. While it can offer simplicity, lower costs, and ensure both spouses' wishes are carried out, it may also present challenges due to its inflexibility and potential complications arising from changing circumstances. Considering these factors, it is crucial to weigh the benefits against the potential pitfalls and consult with an estate attorney to make informed decisions that align with your goals.

Note: The information provided in this blog post is for informational purposes only and should not be considered legal advice. Consult with a qualified estate planning attorney for personalized guidance.


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