Mirror Wills

These are a pair of Wills made by two people, usually spouses or civil partners, that are almost identical. They reflect each other’s wishes, often leaving assets to each other during their lifetimes and then to the same beneficiaries, commonly children or other family members, after the second person dies.

Mirror Wills are popular because they simplify estate planning for couples with shared assets and mutual intentions. By using Mirror Wills, couples can ensure that:

• The surviving partner is provided for

• Children or other chosen beneficiaries inherit after both parents have passed

• Their estate plans remain consistent, reducing potential conflicts among heirs

However, it’s important to remember that Mirror Wills are separate legal documents. Each person can technically change their Will independently, so the “mirror” effect only remains if both parties agree not to make changes without consulting the other.

Complex estates, blended families, or changing circumstances such as remarriage or additional children, may require tailored arrangements beyond standard Mirror Wills and often require Will Trusts to make sure wishes are respected and consideration of aspects such as risk of re-marriage after first death or care home fees planning is required.  

➡️ If you have children, your Will also allows you to appoint legal guardians - an essential step.