Living Will

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

What is a Living Will?

A living will, often referred to as an “advance directive,” is a legal document that communicates an individual’s wishes regarding medical treatment should they become incapacitated and unable to make decisions for themselves. This document is pivotal in ensuring that one’s healthcare preferences are respected and adhered to, especially in situations where life-sustaining treatments are considered.

What Is The Main Drawback Of A Living Will

The Purpose of a Living Will

The purpose of a living will is to provide clear instructions about an individual’s medical treatment preferences in situations where they are incapacitated or unable to communicate their wishes, ensuring that their healthcare decisions are respected and followed even when they cannot actively participate in the decision-making process.

Example: Someone might choose not to undergo certain medical procedures due to personal, cultural, or religious beliefs. A living will ensure these preferences are honored.

Related Reading: Definition of a will

How Does A Living Will Work?

  • Documentation: A living will is drafted as a legal document that outlines an individual’s specific medical treatment preferences.
  • Activation: It comes into effect when the individual becomes incapacitated or unable to communicate their medical decisions.
  • Guidance for Healthcare Providers: Medical professionals refer to the living will to understand and honor the patient’s wishes regarding treatments, interventions, and life-sustaining measures.
  • Avoidance of Disputes: By providing clear instructions, a living will prevent conflicts among family members about the best medical action.
  • Periodic Review: Individuals can update their living will as their preferences or medical conditions change over time.
  • Legal Recognition: While the document is legally binding in many jurisdictions, it’s essential to ensure it meets the specific legal requirements of the individual’s state or country.
  • Revocation: The individual retains the right to revoke or modify the living will at any time, as long as they are mentally competent.
Disadvantages Of A Living Will

How To Make A Living Will

  1. Research and Reflection: Before you create a living will, it’s essential to understand the medical procedures you might face and reflect on your feelings about them. This step ensures that your living will truly reflect your wishes.
  2. Consult with Living Will Layers: While not always mandatory, it’s beneficial to consult with legal professionals who specialize in living wills. They can provide guidance, ensuring your document is both comprehensive and legally sound.
  3. Draft the Document: Using standardized forms or personalized templates, detail your medical preferences clearly. Be specific about treatments you’d like to accept or refuse.
  4. Witnesses and Notarization: Most jurisdictions require living wills to be signed in the presence of witnesses, and some might even require notarization. This step lends authenticity to the document.
  5. Distribute Copies: Ensure that your primary care physician, close family members, and any healthcare proxies have copies of your living will. This ensures that it’s easily accessible when needed.

Living Will Documents and Their Importance

Living will documents are the tangible records of your healthcare preferences. They are essential because:

  • They provide a clear, unambiguous record of your wishes.
  • They can prevent potential conflicts among family members who might have differing opinions about your care.
  • They offer peace of mind, knowing that your wishes will be respected even if you can’t voice them.
Living Will

Can I prepare my Living Will Prepare Online?

Yes, you can have your living will prepared online. Many online resources provide templates for living wills. These documents can be filled out, signed, witnessed, and notarized. However, reading the document carefully before signing is essential, as these decisions will be binding in an emergency.

It is also a good idea to discuss your wishes with family or other close associates so that they know your wishes should something happen to you. This can provide peace of mind for you and those close to you.


A living will is more than just a document; it’s a testament to one’s autonomy and the desire to have one’s wishes respected even in the most challenging times. By understanding its purpose, how it functions, and the steps to create one, individuals can ensure that they remain in control of their medical decisions, no matter the circumstances.

Request A Quote

Get help or a quote from a licensed financial professional. This service is free of charge.

Contact Us

Frequently Asked Questions

Does a living will need to be notarized?

The requirement for notarizing a living will vary by jurisdiction. Some states require it for legal validity, while others do not.

When does a living will go into effect?

A living will goes into effect when a person is incapacitated and unable to make their own medical decisions.

Is a living will legally binding?

A living will is legally binding in many jurisdictions, ensuring medical professionals and families follow the individual’s specified treatment preferences when they’re incapacitated or unable to communicate.

Can you make a living will without a lawyer?

Yes, you can create a living will without a lawyer. You can use online templates or forms specific to your state. However, it’s important to ensure the document meets your state’s legal requirements and accurately reflects your wishes. Consulting a lawyer is recommended for complex situations.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top