Mirror Wills: Understanding Their Significance in Estate Planning

by  Adv. Anamika Chauhan  




6 mins


Ensure Your Wishes are Honored and Your Legacy Endures with Mirror Will

In the realm of estate planning, Mirror Wills stand out as a crucial tool for individuals or couples looking to ensure their wishes are honored after they’re gone. Often utilized by spouses or partners, these wills mirror each other’s provisions, typically leaving assets to the surviving partner and then to chosen beneficiaries after the second partner’s passing. Let’s delve into what Mirror Wills entail and why they’re essential components of a comprehensive estate plan.

What Are Mirror Wills?

Mirror Wills are essentially identical wills made by two individuals, usually spouses or partners. They mirror each other’s provisions, ensuring that their estates are distributed according to their shared wishes. In most cases, Mirror Wills leave everything to the surviving partner upon the first death. After the second partner passes away, the assets are then distributed according to the agreed-upon terms, often to children, family members, or charitable organizations.

Key Features of Mirror Wills

1. Mutual Wills: Mirror wills are essentially two separate wills created by two individuals, often a married couple, with similar terms. They reflect each other’s wishes regarding the distribution of assets upon death.

2. Reciprocal Provisions: The content of mirror wills is almost identical. Typically, each spouse names the other as the primary beneficiary, stating that in the event of their death, their assets will pass to their spouse. If the spouse has already passed away, the assets usually go to their children or other chosen beneficiaries.

3. Simplicity and Convenience: Mirror wills offer simplicity and convenience, especially for couples with similar wishes regarding asset distribution. By creating nearly identical wills, they ensure that their intentions are clearly stated and respected.

4. Comprehensive Planning: These wills allow for comprehensive estate planning, covering various aspects such as property distribution, guardianship of minor children, and appointment of executors or trustees.

5. Flexibility: Despite their similarity, mirror wills can still accommodate individual preferences. Each person can customize certain provisions according to their unique circumstances or wishes.

6. Legal Validity: Like any other will, mirror wills must comply with legal requirements to be valid. They should be signed and witnessed according to the laws of the jurisdiction where they are executed.

7. Revocability: Mirror wills are revocable during the lifetime of the testators, meaning that either spouse can amend or revoke their will at any time, as long as they are mentally competent to do so.

8. Joint Decision-Making: Creating mirror wills often involves joint decision-making between spouses, fostering communication and consensus regarding important matters related to inheritance and estate planning.

9. Avoiding Intestacy: By clearly outlining how assets will be distributed, the mirror will help prevent intestacy, which occurs when someone dies without a valid will. This can avoid potential conflicts and uncertainties among surviving family members.

10. Estate Tax Planning: Mirror wills can also incorporate estate tax planning strategies to minimize tax liabilities and ensure the efficient transfer of assets to beneficiaries.

Why Are Mirror Wills Important?

1. Preserving Family Assets: Mirror will ensure that family assets are protected and passed on to chosen beneficiaries according to the couple’s wishes.

2. Clarity and Certainty: By creating Mirror Wills, couples provide clarity and certainty regarding their intentions, minimizing the potential for disputes or misunderstandings among family members after their passing.

3. Avoiding Intestacy: Without a valid will in place, an individual’s assets are distributed according to intestacy laws, which may not align with their preferences. Mirror Wills allow couples to retain control over the distribution of their estates.

4. Protecting the Surviving Partner: Mirror Wills prioritize the surviving partner, ensuring they are adequately provided for before assets are passed on to other beneficiaries.

Secure Your Family's Future Today! Consult with our Estate Planning Experts to Draft Your Mirror Wills

Difference Between Mirror Wills and Joint Wills

When it comes to estate planning, individuals often consider both Mirror Wills and Joint Wills as potential tools for outlining their wishes regarding asset distribution. While they may seem similar at first glance, there are significant differences between the two approaches. Let’s explore how Mirror Wills differ from Joint Wills to help you make informed decisions about your estate planning needs.

Mirror Wills:

1. Individual Documents: Mirror Wills are separate legal documents created by each individual in a couple. They are essentially identical in terms of provisions but are executed as separate wills.

2. Flexibility: Each partner retains autonomy over their own Mirror Will, allowing them to make changes or updates without the need for mutual agreement.

3. Asset Distribution: Mirror Wills typically leave everything to the surviving partner upon the first death, with instructions for asset distribution to other beneficiaries after the second partner’s passing.

4. Probate Process: Upon the death of the first partner, their Mirror Will is probated, and assets are distributed according to its terms. The surviving partner retains control over their assets and can make changes to their will as needed.

Joint Wills:

1. Single Document: Joint Wills are a single legal document created by both individuals in a couple. They contain provisions for both individuals’ assets and typically mirror each other’s terms.

2. Inflexibility: Joint Wills are less flexible than Mirror Wills, as changes or updates require mutual agreement from both parties. Once executed, they cannot be altered unilaterally by either partner.

3. Asset Distribution: Similar to Mirror Wills, Joint Wills often leave everything to the surviving partner initially, with instructions for distribution to other beneficiaries after the second partner’s passing.

4. Probate Process: Upon the death of the first partner, the Joint Will is probated, and assets are distributed according to its terms. However, unlike Mirror Wills, the surviving partner is bound by the provisions of the Joint Will and cannot make changes without nullifying the entire document.

Key Differences:

1. Autonomy vs. Mutual Agreement: Mirror Will allow each partner to maintain autonomy over their own will, while Joint will require mutual agreement for changes.

2. Probate and Control: With Mirror Wills, each partner’s assets are probated separately, allowing the surviving partner to retain control over their estate. In contrast, Joint Wills involve a single probate process and limit the surviving partner’s ability to make changes.

3. Flexibility: Mirror Wills offer greater flexibility for individual preferences and changing circumstances, as each partner can update their own will independently.

4. Legal Implications: Joint Wills may have legal implications that extend beyond the first partner’s death, potentially restricting the surviving partner’s options in the future.

Choosing the Right Option:

When deciding between Mirror Wills and Joint Wills, couples should consider their individual preferences, estate planning goals, and concerns about flexibility and control. Consulting with an experienced estate planning attorney can help couples navigate their options and create a plan that best suits their needs and circumstances. Whether opting for Mirror Wills or Joint Wills, proactive planning ensures that their wishes are legally documented and can provide peace of mind for themselves and their loved ones.

Advantages of Mirror Wills

1. Flexibility: Mirror Wills offer flexibility, allowing each partner to customize their will according to their individual preferences while still mirroring the overall provisions of the other will.

2. Preservation of Autonomy: Unlike joint wills, which bind both parties to the same set of instructions, Mirror Wills allows each partner to maintain autonomy over their estate planning decisions.

3. Clarity and Transparency: Mirror Will provide clarity and transparency regarding each partner’s wishes, minimizing the potential for confusion or disputes among family members after their passing.

4. Protection for Surviving Partner: Mirror Wills prioritize the surviving partner’s financial security by ensuring they are adequately provided for before assets are distributed to other beneficiaries.

5. Ease of Revision: Mirror Wills can be easily revised or updated to accommodate changes in the couple’s circumstances or wishes, such as the birth of children, changes in financial status, or the acquisition of new assets.

Disadvantages of Mirror Wills

1. Potential for Conflict: While Mirror Wills aim to reflect the couple’s shared wishes, disagreements may arise between partners during the estate planning process, leading to potential conflicts or disputes.

2. Inflexibility After First Death: After the first partner’s passing, Mirror Wills become less flexible, as the surviving partner may be bound by the terms of the will until their death.

3. Complexity of Execution: Creating Mirror Wills requires careful coordination and communication between partners, as well as consultation with an experienced estate planning attorney. This process can be time-consuming and may involve additional costs.

4. Risk of Unintended Consequences: Despite their mirroring nature, Mirror Wills may still result in unintended consequences if not drafted or executed properly. Couples need to seek professional legal advice to ensure their wishes are accurately reflected in their wills.

5. Potential for Unequal Treatment: Mirror Wills may not always result in equal treatment of beneficiaries, especially if one partner has children from a previous relationship or wishes to leave specific assets to different individuals.

Take Control of Your Legacy! Schedule a Consultation to Create Your Mirror Wills and Protect Your Loved Ones

How to Create Mirror Wills

1. Discuss Your Wishes: Sit down with your spouse and discuss your wishes regarding the distribution of assets, guardianship of minor children (if applicable), and other important matters. Make sure you both agree on the key provisions of your wills.

2. Identify Assets: Compile a list of all your assets, including property, bank accounts, investments, retirement accounts, vehicles, valuable possessions, and any debts you owe. Discuss how you want these assets to be distributed after your passing.

3. Choose Executors and Guardians: Decide who will serve as the executor of your estate, responsible for administering your will and carrying out your wishes. If you have minor children, determine who you want to appoint as their guardian in the event of your death.

4. Consult Legal Professionals: Seek guidance from legal professionals specializing in estate planning and drafting. They can provide valuable advice and ensure that your mirror will comply with all legal requirements and effectively convey your intentions.

5. Draft the Wills: With the assistance of your legal advisor, draft the mirror wills based on your discussions and decisions. Make sure the language used is clear, unambiguous, and reflects your wishes accurately.

6. Include Identical Provisions: Ensure that both wills contain nearly identical provisions, with each spouse naming the other as the primary beneficiary and specifying alternative beneficiaries if the spouse predeceases them. Mirror will typically have reciprocal terms regarding asset distribution.

7. Review and Revise: Carefully review the drafted wills together with your spouse to confirm that they accurately reflect your intentions. Make any necessary revisions or adjustments to ensure clarity and completeness.

8. Signing and Witnessing: Arrange for both spouses to sign their respective wills in the presence of witnesses as required by law. The number of witnesses and specific witnessing requirements may vary depending on your jurisdiction.

9. Store Safely: Once executed, store the original copies of the mirror wills in a secure location, such as a safe deposit box or fireproof safe. Inform trusted family members or your executor about the location of the wills.

10. Periodic Review: Regularly review your mirror wills to ensure they remain up to date and aligned with your current circumstances and wishes. Life events such as marriage, divorce, birth of children, or significant changes in assets may necessitate updates to your wills.

11. Legal Advice: Consider seeking legal advice before making any changes to your mirror wills to ensure that amendments are properly executed and do not inadvertently affect other provisions.

Documents typically required for creating Mirror Wills

1. Identification Documents: Copies of government-issued identification documents, such as passports or driver’s licenses, for both spouses, to verify their identities.

2. List of Assets and Liabilities: A comprehensive list of all assets owned by both spouses, including real estate, bank accounts, investments, vehicles, and valuable possessions. Also, include any debts or liabilities.

3. Existing Wills: If either spouse has a previously drafted will, provide a copy for reference to ensure that the new mirror wills are consistent and do not revoke any prior provisions unintentionally.

4. Guardianship Designation: If you have minor children, documentation specifying who you wish to appoint as their guardian in the event of your death.

5. Executor Designation: Documentation specifying who you wish to appoint as the executor of your estate to administer your will and carry out your wishes.

6. Healthcare Directives: Copies of any advance healthcare directives, living wills, or medical powers of attorney outlining your healthcare wishes in case of incapacity.

7. Marriage Certificate: A copy of your marriage certificate to verify your marital status and relationship.

8. Property Documents: Copies of property deeds or ownership documents for any real estate owned jointly or individually.

9. Insurance Policies: Copies of life insurance policies, retirement accounts, and any other relevant insurance documents.

10. Pension and Retirement Account Information: Details of any pension plans, retirement accounts, or other similar accounts.

11. Financial Statements: Recent financial statements for all bank accounts, investments, and other financial assets.

12. Business Documents: If either spouse owns a business, include relevant business documents, such as partnership agreements or shareholder agreements.

13. Digital Asset Information: Information regarding digital assets, such as online accounts, cryptocurrencies, and intellectual property.

14. Funeral and Burial Instructions: If you have specific wishes regarding your funeral or burial, include these instructions in your will.

Don't Leave Your Family's Future to Chance! Start the Process of Creating Your Mirror Wills Now


Mirror Wills offers couples a practical and effective way to plan for the distribution of their assets and protect their loved ones’ financial futures. By creating these wills together, couples can ensure that their wishes are clearly articulated and legally binding, providing peace of mind for themselves and their families. Working with an experienced estate planning attorney can help couples navigate the complexities of creating Mirror Wills and ensure that their estate plans align with their unique goals and circumstances.

Frequently Asked Questions about Mirror Wills

Q1. What are mirror wills?

Ans1. Mirror wills are a pair of almost identical wills, typically created by spouses or partners, where each leaves their assets to the other in the event of their death. They often mirror each other in terms of beneficiaries, executors, and distribution of assets.

Q2. Are mirror wills only for married couples?

Ans2. While mirror wills are commonly used by married couples or civil partners, they can also be created by any two individuals who wish to leave their assets to each other upon death. They are particularly popular among couples who share joint assets and have similar wishes for inheritance.

Q3. Can the mirror be changed or revoked?

Ans3. Yes, mirror wills can be changed or revoked at any time by either party, provided they have the mental capacity to do so. It is essential to review and update mirror wills regularly, especially after significant life events such as marriage, divorce, birth of children, or acquisition of new assets.

Q4. What happens if one spouse dies before the other?

Ans4. If one spouse dies before the other, the surviving spouse typically inherits the deceased spouse’s assets as specified in the mirror wills. However, it is essential to have contingency plans in place, such as naming alternative beneficiaries or specifying how assets should be distributed if both spouses die simultaneously.

Q5. Can Mirror will include provisions for children?

Ans5. Yes, mirror wills can include provisions for children, such as appointing guardians and specifying how assets should be distributed to them. It is crucial to discuss these provisions with all parties involved and seek legal advice to ensure that the children’s best interests are protected.

Q6. Do mirror will avoid inheritance tax?

Ans6. Mirror will not automatically avoid inheritance tax, but they can be structured to minimize tax liabilities. By utilizing tax-efficient strategies such as leaving assets to a spouse or civil partner, utilizing tax-free allowances, and making use of inheritance tax exemptions, couples can reduce the tax burden on their estate.

Q7. Can the mirror be contested?

Ans7. Like any will, mirror wills can be contested if there are grounds to believe that they are invalid or do not accurately reflect the deceased’s wishes. Common reasons for contesting a will include lack of testamentary capacity, undue influence, fraud, or improper execution. To minimize the risk of disputes, it is advisable to seek legal advice when drafting mirror wills and ensure that they are executed correctly.

Q8. How do I create mirror wills?

Ans8. To create mirror wills, you should consult with a qualified legal professional specializing in estate planning. They can help you draft wills that accurately reflect your wishes, advise you on legal requirements, and ensure that your wills are valid and legally binding. It is essential to discuss your intentions openly with your partner and carefully consider all aspects of your estate plan before finalizing your mirror wills.

Protect Your Partner and Loved Ones! Book an Appointment to Discuss Mirror Wills and Estate Planning Strategies.

Adv. Anamika Chauhan

Adv. Anamika Chauhan


4 | 100+ User Reviews

Advocate Anamika Chauhan has been practising law independently for the last 5 years, during which she has gained extensive experience in handling cases. She offers legal consultancy and advisory services with a focus on achieving ethical and professional results. In addition, her excellent communication skills allow her to articulate arguments persuasively in both written and verbal forms.

See more...

Talk to Lawyer

Avail 80% discount

Related Articles



Get Useful tips and Product info

Our Company

ezyLegal is for the people who are determined to succeed, the goals that motivate them, the loved ones who inspire them. We are for technology that makes it easy, lawyers and accountants who make it seem effortless. For the many people who want to start a business, for the many families who depend on them, for the many ideas they need to protect, we are ezyLegal, with you, every step of the way.

Chat with a Legal Expert

lawyer picAnu

Hi there 👋!

Hi there 👋!

How can I help you?

lawyer pic