Q

What is a testator?

A

A testator is a person who creates a last will and testament, and the term testatrix, which is now uncommon, refers to a woman testator.

Derek Silva

By

Derek Silva

Derek Silva

Personal Finance Expert

Derek is a personal finance editor at Policygenius in New York City, and an expert in taxes. He has been writing about estate planning, investing, and other personal finance topics since 2017. He especially loves using data to tell a story. His work has been covered by Yahoo Finance, MSN, Business Insider, and CNBC.

Published January 13, 2021|3 min read

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Key Takeaways

  • A testator is the person who creates the will

  • It's the testator's responsibility to inform the relevant parties if they're being appointed to any role with the estate

  • The testator should tell relevant parties where to find the will

  • The testator must legally have the mental capacity to create their will or amend an older will of theirs

A last will and testament, usually just called a will, is a legal document that lays out what someone wants to happen to their money and possessions after they die. Someone who creates a valid will is known as a testator. The word testatrix is an antiquated term for a woman testator. The word testator can refer to someone who is alive or has already died. (Someone who has died is also called a decedent.)

Who can be a testator?

In most states you can create a valid will, and thus be a testator, if you are at least 18 years old, you are of sound mind and making the will of your own volition (referred to as testamentary capacity), and you have two witnesses present when you sign your completed will.

However, some states have laws that are more or less restrictive. For example, some states allow 14-year-olds to write wills and someone who qualifies to witness a will in one state may not qualify in another. There may also be circumstances where you don’t need to meet all of these requirements, such as with oral wills or handwritten wills (holographic wills) if they're allowed in your state.

And while it may not be necessary, getting your will notarized is a good idea in because it can make the probate process easier for your family and heirs. (If you’re concerned that your estate’s probate process will be complicated, you may want to talk with an estate planning attorney for legal advice.)

Learn more about the requirements for a valid will.

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The responsibilities of a testator

The main responsibilities of a testator involve writing a comprehensive and valid will, and then ensuring that people are both aware of the will’s existence and know where to find it after the testator dies. You can create the perfect will but it’ll be useless if no one can find it after you die.

For step-by-step help creating a will, try Policygenius.

Make your will comprehensive

When you create a will, ensure it covers all the assets — money, property, or other belongings — that you will leave behind. You should name will beneficiaries who will receive some or all of your assets. You can name a specific individual to receive an asset or you can choose for each beneficiary to receive a certain percentage of your estate (the collection of everything you owned, including the residuary estate).

Here are some things you shouldn't put in a will.

Name your executor

Your will should also name an executor, also called a personal representative. Your executor is the person responsible for carrying out the instructions in the will after you die, handling your final income tax returns, and paying off your debts as necessary. Failing to name an executor could result in a probate court having to appoint someone (called an estate administrator) to handle your estate.

Learn more about how to choose an executor and what they do.

Consider guardianship for children

If you have minor children, you can use your will to name a guardian to take over their care after you die. A will is one of the few ways to address guardianship, so don’t skip this step even if you plan to pass on your assets through a trust.

Share your plan

Make sure people know about your will and where to find it. At the very least, your executor needs to be able to find your will after you die. Similarly, any time you amend your will — like by adding a codicil — or create a new will, notify your executor to avoid any last minute surprises.

Learn more about where to store a will.