Living Will: Definition, Benefits and How to Prepare

A living will is an advance directive that conveys your wishes about medical decisions when you can’t communicate.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.


The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

Updated · 2 min read
Written by 
Edited by 
Managing Editor
SOME CARD INFO MAY BE OUTDATED

This page includes information about these cards, currently unavailable on NerdWallet. The information has been collected by NerdWallet and has not been provided or reviewed by the card issuer.

Nerdy takeaways
  • A living will helps medical providers know whether and when you want treatments that could prolong your life.
  • Living wills can help in case you suddenly become incapacitated, such as after an accident.
A living will is a legal document outlining your preferences for medical treatments. Living wills guide medical providers to make decisions that follow your wishes if you’re incapacitated, such as in a coma or with late-stage dementia, for example .

What is the main purpose of a living will?

Without a living will, your loved ones may have to make important health care decisions for you in a crisis without knowing your preferences, or they may disagree over what they think you would want.
Living wills aren’t just for older adults or those with terminal illnesses; they can help anyone over 18 ensure their preferences are upheld in emergencies.
A living will is a type of advance directive, which is a set of health care documents that give instructions for future medical care. Another advance directive is a health care proxy, which names a trusted person to advocate for your decisions.
🤓 Nerdy Tip
Typically, you can revoke a living will and override a health care proxy if you regain the ability to make decisions.

Benefits and drawbacks of a living will

Pros

Medical providers know your wishes if you’re incapacitated.

Can avert family disagreements over what you might want.

Only takes effect if you're incapacitated.

Cons

Usually requires consultation with an advisor or attorney to ensure compliance with local laws.

Directions could be too narrow to be useful in some medical situations.

How to write a living will

1. Access a living will template or form.

You can create a living will through any of the following methods:

2. Add directives.

Living wills contain specific directives that address your wishes for medical treatments in situations such as dementia, comas and strokes. For example, a living will commonly outlines a person’s wishes for:
  • Resuscitation efforts in the event of incapacitation.
  • Life-prolonging procedures if survival is unlikely.
  • Care you do or don’t want, such as mechanical ventilation, feeding tubes or kidney (dialysis) machines. 
  • Organ donation. 
  • Religious or philosophical considerations you would like observed in these situations.
🤓 Nerdy Tip
A living will’s directions could be too narrow to be useful in some medical situations if it contains dated language. Speak to your health care provider about recommended language to avoid confusion, and consider naming a health care proxy to advocate for you in scenarios your living will doesn’t cover.

3. Make it legally binding.

Requirements can vary by state, but living wills generally include the following:
  • Your legal name, signature and the date the living will was drafted.
  • A statement that you are mentally competent enough to prepare a living will.
  • The name of your health care proxy.
  • A signed statement from two witnesses.
Some states may also require you to get a living will notarized. Make sure to print several copies and give them to your primary care physician, relevant health care providers and health care proxy. You can also file a copy with your local hospital .

Other advance directives

Living wills are one type of advance medical directive.  Others can work with a living will to ensure your wishes are honored in any health care scenario.

Medical power of attorney (POA) or health care proxy

You can give a person you trust a medical power of attorney designation — sometimes called a health care proxy — to allow them to make medical decisions for you if you cannot. This person can use your living will as a guide to make decisions in consultation with your doctors, based on your medical situation.
A health care proxy may be especially helpful if your state places limitations on living wills. In some states, you can’t name a health care proxy in your living will — you’ll need to craft a separate legal document .

POLST/MOLST form

A portable order for life-sustaining treatment (POLST), or medical order for life-sustaining treatment (MOLST) in some states, is a brightly colored form you keep on your refrigerator. It contains instructions for emergency medical personnel.
A POLST (or MOLST) is similar to a living will because both document your preferences for your medical care, but a POLST is only for emergencies and is more common in nursing homes or for those with terminal illnesses.
Frequently Asked Questions
Are living wills legally binding in every state?
Advance directives are recognized in all states, but living wills aren’t legally binding in every state, meaning that you may not be able to guarantee that medical professionals follow your wishes for certain treatments.
In New York, for example, living wills are not addressed by any legal statute, though the state's highest court has upheld them as long as the documents provide "clear and convincing" evidence of the person's wishes.
Is a living will the same thing as a will?
No, a living will and a last will and testament (will) are not the same. Medical providers will consult your living will for information about your wishes, with the input of your health care proxy, for medical care if you become incapacitated. An executor will consult your last will and testament for instructions on distributing your assets and caring for your children after you die.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Compare online will makers

Advertisement
Company Nerdwallet
Rating
Price
(one-time)
Price
(annual)
Access to
attorney support
Ease of use
Trust & Will - Will

Trust & Will - Will

on Trust & Will's website

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples. $19 annual membership fee. Yes
Digital Assets
GoodTrust

GoodTrust

on GoodTrust's website

$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10. $39 No
State-specific legal advice
LegalZoom - Last Will

LegalZoom - Last Will

on LegalZoom's website

Will: $99 for Basic, $249 for Premium with attorney assist. Trust: $399 for Basic, $549 for Premium with attorney assist. $199 per year for attorney assistance after the first year. Yes
Comprehensive services
Nolo’s Quicken WillMaker - WillMaker

Nolo’s Quicken WillMaker - WillMaker

on Nolo's website

$109 to $219 $39 per year to make changes after the first year No