A simple guide to writing a Will and leaving a bequest in New Zealand

13th of July, 2026

Young parents with three children

Thinking about the future and planning what happens to your estate is one of the most thoughtful gifts you can leave for the people and causes you value most. Yet, for many of us, writing a will sits firmly on the "I’ll get to that eventually" to-do list.

It is a common misconception that wills are only for the wealthy or the elderly. In reality, if you own assets, have dependents, or care about a particular community cause, having a legally valid will is essential.

If you are ready to take that step but aren't quite sure how it works in Aotearoa New Zealand, here is a guide to help you to get started.

1. Gather your information

Before you speak to a professional, take some time to sit down and map out the basics. You don’t need official paperwork at this exact moment, but you should have a clear idea of:

  • Your Assets: Property, KiwiSaver accounts, savings, vehicles, and items of high sentimental value.
  • Your Dependents: Who relies on you? Consider your partner, children, and even arrangements for your pets.
  • Your Beneficiaries: The people, families, or organizations you wish to inherit your assets.

2. Choose your Executor

An executor is the person (or people) responsible for carrying out the instructions in your will after you pass away. Because this role involves managing legal and financial matters during a difficult time, it is important to choose someone reliable.

You can appoint a trusted family member or friend, or you can opt for a professional professional—such as a lawyer or a trustee company like Public Trust. It is always best practice to ask your chosen executor for their permission before officially naming them.

3. Consider the power of a bequest

Once you have ensured your family and loved ones are looked after, you might want to think about the footprint you want to leave behind. A bequest is simply a gift left to a charity or community organisation, like Aviva, in a will.

For many New Zealand charities, bequests are the lifeblood that allows them to plan for the future and support generations to come. The beauty of a bequest is that it doesn’t have to be a massive fortune to make a tangible difference.

There are a few different ways to structure a bequest:

  • Residual Bequest: Leaving a percentage (or the remainder) of your estate after all specific gifts, debts, and costs have been paid. This is often preferred because its value adjusts naturally with inflation and changes to your estate's value.
  • Pecuniary Bequest: Leaving a specific, fixed sum of money.
  • Specific Bequest: Leaving a particular asset, such as shares or property.

💡 Important Tip: If you decide to include a charity in your will, ensure you use their official registered charity name and unique Charities Services registration number (e.g. Aviva (incorporating Christchurch Women’s Refuge) Charitable Trust, Registered Charity Number: CC53151). This prevents any legal confusion later on.

4. Make it legally valid

For a will to be legally binding in New Zealand, it must meet specific criteria under the Wills Act 2007. Crucially, it must be in writing, signed by you, and witnessed by two independent people who are not beneficiaries in the will.

To ensure everything is watertight, you have a few options:

  • A Lawyer: Highly recommended if you have a complex estate, blended families, family trusts, or business interests.
  • Public Trust or Trustee Companies: A structured, professional service that can also act as your executor.
  • Online Will Platforms: A modern, cost-effective option for straightforward estates. If you use one, ensure it is a reputable provider tailored specifically to New Zealand law.

5. Keep it Updated as Life Changes

A will is not a "set and forget" document. It should grow and evolve alongside your life. It is wise to review your will every three to five years, or immediately following major life milestones, such as:

  • Marriage or entering a civil union (Note: In NZ, marriage automatically revokes an existing will unless the will specifically states it was made "in contemplation of" that marriage).
  • Separation or divorce.
  • The birth or adoption of children or grandchildren.
  • Buying or selling significant property or businesses.


Taking the time to write your will is about ensuring your wishes are respected, protecting your loved ones from unnecessary stress, and championing the values you held dear during your lifetime.

If you've been putting it off, consider this your sign to take that very first step this week. Your future self - and the people and causes you love - will thank you for it.

> Find out more about leaving Aviva a gift in your will

Back