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How Often Should You Update Your Will? A Life Events Checklist

A Will written ten years ago may be more dangerous than no Will at all — it may reflect a family that has changed, assets that have moved, and intentions that no longer match the people you would want to care for. Here is when and how to update.

How Often Should You Update Your Will? A Life Events Checklist

The "set and forget" myth

Many Indians treat their Will the way they treat life insurance — buy it once, file it away, and trust that it does its job in the background. For life insurance, this is mostly fine. For a Will, it is dangerous.

A Will written in 2010 reflects the family structure, asset base, and intentions of 2010. By 2026, your spouse may have predeceased you, your children may have married and had children of their own, you may have acquired or disposed of major assets, tax laws may have changed materially, and your relationships may have evolved. A 2010 Will applied to a 2026 reality routinely produces results the testator would never have intended.

A Will is a living document. Its job is to reflect your current situation, not your situation when you first wrote it. This article walks through every life event that should trigger a Will review, plus a recommended schedule for routine reviews even in the absence of any specific trigger.

The 13 life events that always warrant a Will review

1. Marriage

Marriage changes who legally inherits from you under intestate succession (your spouse becomes a Class I heir for Hindus, and similar provisions apply across other personal laws). It also changes who you most likely want to inherit. A Will written before marriage should be updated to reflect the new primary beneficiary.

This applies equally to second marriages, where the dynamics often become more complex — balancing provisions between the new spouse and children from the previous marriage requires careful Will drafting.

2. Divorce

Divorce in India does not automatically revoke prior provisions in a Will favouring a former spouse. If your 2018 Will left everything to your then-wife, and you divorced in 2022 without updating the Will, she remains the beneficiary. Updating the Will to remove the former spouse is essential.

3. Birth or adoption of a child

A new child is, in most cases, a new primary beneficiary or contingent beneficiary. The Will needs updating to:

  • Include the new child in the distribution scheme
  • Name a testamentary guardian for the child (if under 18)
  • Set up trust provisions if you want the inheritance held until majority or later
  • Adjust the relative shares among children if you want equal treatment

4. Death of a beneficiary

If a named beneficiary predeceases you and your Will does not include "and in case [name] predeceases me, then to [alternate]" language, the bequest may lapse. The asset then falls into residuary, or worse, into intestate distribution. A Will update can redirect the bequest to the right alternate.

5. Death of an executor or guardian

If your primary executor passes away and you only named one, your family must apply for letters of administration instead of probate — more time-consuming and uncertain. Same for testamentary guardians. Update to name new primary/alternate executors and guardians.

6. Significant change in assets

Any of the following should trigger a Will review:

  • Purchase or sale of immovable property
  • Receipt of a significant inheritance
  • Sale of a business or major equity stake
  • Receipt of stock options or RSUs that have vested into significant value
  • Acquisition of cryptocurrency holdings or other digital assets
  • Major change in retirement account balance

7. Change in beneficiary's circumstances

If a beneficiary has had a major life change — recovered from addiction, become a beneficiary of substantial wealth from another source, married someone you have concerns about, developed a disability — your Will may need to adapt. For example, you may want to convert a direct bequest to a trust-administered bequest if the beneficiary's circumstances suggest they need protection from creditors or themselves.

8. Change in your relationship with a beneficiary

This is a sensitive but real category. Estrangement from a child, reconciliation with an estranged sibling, deepening relationship with a stepchild or in-law — all may warrant a redistribution. Updating the Will is the cleanest way to reflect these changes.

9. Relocation

Moving to a different state in India may change the applicable Sub-Registrar's jurisdiction, the relevant stamp duty for property transfers, and certain procedural aspects. Moving abroad triggers more substantial considerations — cross-border succession, NRI status, tax treaties, and potentially the need for a separate Will in the new country of residence.

10. Change in your business interests

Starting a new business, exiting one, taking on partners, restructuring company shareholding, signing a new shareholders' agreement — each can affect how your business equity should be handled in your Will. Wills and SHAs must be kept aligned; conflicts between them are the leading cause of business-succession disputes.

11. Major change in tax or succession law

The 2005 amendment to the Hindu Succession Act, the 2023 introduction of the DPDP Act for digital data, the 2018 amendments to the Insurance Act around nominees — each of these has changed how parts of an estate are best structured. Stay informed; periodically review your Will against current law.

12. Change in residence of your executor or guardian

If your primary executor has moved abroad and is no longer practically reachable for administrative work, or your testamentary guardian for minor children has relocated, the choice may need updating.

13. Receipt of a serious medical diagnosis

This is the trigger most people avoid but is the most important. A serious diagnosis — cancer, dementia, terminal illness — is the moment to ensure your Will reflects your final wishes precisely. Wills updated during illness face higher capacity scrutiny, so it is essential to:

  • Update while still demonstrably capable
  • Have a treating physician note your capacity contemporaneously
  • Consider registering the updated Will for evidentiary strength

The routine review schedule

Even in the absence of any specific trigger, a periodic review is good practice:

  • Every 3 years if your estate is substantial or your situation is complex (business, blended family, multiple properties).
  • Every 5 years for simpler estates.
  • Annually if you are over 70 or have any chronic condition affecting cognition.

The review need not result in a change. It can simply confirm that the existing Will remains accurate. But the act of reviewing is itself protective — it forces you to confront whether the document still reflects reality.

How to actually update — three options

Option 1: Write a new Will (recommended for most updates)

This is the cleanest approach. Draft a fresh Will incorporating all the updates, include explicit revocation language ("I hereby revoke all prior Wills and codicils made by me"), execute properly with two new witnesses, and destroy old copies of the prior Will to avoid confusion. If the prior Will was registered, register the new one too.

Option 2: Codicil (for minor updates only)

A codicil is a short supplementary document that amends a specific clause of the existing Will without replacing it. Example: a codicil might say "I add the following beneficiary..." or "I change the executor named in my Will dated [date] from X to Y."

Codicils must be executed with the same formalities as a Will — two witnesses, proper attestation. They are read together with the original Will.

Codicils make sense for very minor changes (changing an executor, adding a small bequest). For anything substantive, a new Will is cleaner because reading multiple documents together creates ambiguity.

Option 3: Reaffirmation

If the Will remains accurate but you want to refresh the record of its continued validity, you can simply review it, note the date of review on a separate document (or on the Will itself if space allows), and re-confirm with witnesses. This is informal and not legally required but provides a contemporaneous record of capacity.

The single biggest update mistake: leaving old Wills floating around

When you update your Will, ensure you destroy all old copies. A common scenario: testator updates Will in 2015. The 2010 Will is still in the bank locker. The 2015 Will revokes the 2010 — but a disgruntled family member who would have inherited under the 2010 Will produces it at probate, contesting that the 2015 Will is fake or improperly executed.

Even if you ultimately win the contest, the litigation costs and family disruption are real. Destroy old Wills physically when you update — shred, burn, or tear thoroughly. Inform your executor that any earlier Will found is to be ignored.

The cost of updating

Updating a Will is much cheaper than the initial drafting because:

  • The structural decisions are already made
  • The asset framework already exists
  • Only the changes need consideration

At Law Tarazoo, existing clients who initially used the flagship ₹15,000 package can update their Wills at significantly reduced rates — typically ₹3,000-₹7,000 depending on the scope of changes. The relationship continuity also means your advocate already understands your situation and can flag implications you might have missed.

Set a calendar reminder today

The single highest-leverage thing you can do after reading this article is to set a recurring calendar reminder — annual or biennial — that says "Review Will". Most people don't update their Will because they don't think about it, not because they don't want to. The reminder closes that gap.

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