Do I Need a Will? What a Will Does and What Intestacy Does

Quick answer

A will is the instrument that names a guardian for minor children, names an executor, and directs specific property to specific people or organisations. Where there is no will, each state's intestacy statute distributes the estate by a fixed formula to a defined class of relatives — spouse, descendants, parents, siblings, and outward — and a court appoints both the guardian and the administrator. Intestacy statutes make no provision for unmarried partners, friends, or charities, and most make none for unadopted stepchildren — though a few place stepchildren last in the order, as Connecticut does under Conn. Gen. Stat. §45a-439(a)(4). A will does not avoid probate, does not override beneficiary designations, and has no effect during the signer's lifetime.

Educational guide — not legal advice. Confirm specifics with a licensed attorney in your state.

What a will does that an intestacy statute does not

Every US state has an intestacy statute — a default order of distribution that applies when a person dies without a valid will. The two operate on different sets of decisions. This table sets out which decisions each one controls.

Decision Directed by a will Under intestacy
Who inherits Anyone the testator names, including non-relatives Only the classes of relatives listed in the statute
Guardian for minor children Named by the testator Appointed by the court
Who administers the estate Executor named by the testator Administrator appointed by the court, in the statutory priority order
Specific items to specific people Directed by specific bequest Not possible — the estate is distributed by fractional share
Gifts to a charity, friend, or unmarried partner Directed by the will Not possible — no statutory share exists for them
Stepchildren not legally adopted May be named Take nothing under most states’ statutes
Age at which a child receives property outright May be deferred by a testamentary trust Outright at the age of majority, subject to a guardianship of the estate

What the intestacy statutes distribute, and to whom

The order varies by state, but the pattern across the fifty statutes is consistent:

  • A surviving spouse and descendants take first, in shares fixed by the statute. The split between spouse and descendants differs — several states give the whole estate to the spouse where all descendants are also the spouse’s, and reduce the spouse’s share where they are not.
  • Where there is no spouse or descendant, parents take.
  • Then siblings and their descendants, then grandparents and their descendants, moving outward through the statutory table of consanguinity.
  • Where no taker within the statutory degrees can be found, the property escheats to the state.

Each state’s own order, shares, and thresholds are documented in the by-state guides: What Happens If You Die Without a Will, by State.

Who intestacy statutes exclude

These exclusions are a matter of statutory text, not of practice:

  • Unmarried partners. No state’s intestacy statute creates a share for a partner who is not a spouse, regardless of the length of the relationship. Each state’s intestacy statute, and the section that sets the surviving spouse’s share, are documented at What Happens If You Die Without a Will. Common-law marriage, where a state has it, is a question of marital status decided under a different body of law from the intestacy statute.
  • Stepchildren who were not legally adopted. Most states do not include them at all. A small number place them last in the order: Connecticut gives the estate to the decedent’s stepchildren and those who legally represent them where there is no next of kin (Conn. Gen. Stat. §45a-439(a)(4)), and this site’s Ohio page records the same for ORC 2105.06(K).
  • Friends, charities, and any other non-relative. The statutes distribute only to the classes they name.

What a will does not do

A will governs a narrower set of property than is commonly assumed.

  • It does not avoid probate. A will is the instrument probate administers. Probate avoidance operates through title and contract — beneficiary designations, joint ownership with right of survivorship, transfer-on-death deeds, and assets retitled into a funded trust. See How to Avoid Probate.
  • It does not override a beneficiary designation. A retirement account, life insurance policy, or payable-on-death account passes to the named beneficiary by contract. The will has no effect on that asset.
  • It has no effect during the signer’s lifetime. Incapacity is governed by a power of attorney and a healthcare directive, which are separate instruments.
  • It does not control jointly held property. Property held in joint tenancy with right of survivorship passes to the surviving joint tenant at the moment of death, outside the will and outside probate.

A will is one instrument among several. The full document set is listed in the Estate Planning Checklist.

The situations the two regimes handle differently

Where the intestacy formula and a will produce the same result, the practical difference is confined to the appointment of the guardian and the executor. Where they diverge, the divergence is a function of the statute’s fixed classes. Documented examples:

  • Minor children. A will is the instrument in which a guardian for a minor child is nominated; an intestate estate has no such nomination, and the appointment is made by the court under the state’s guardianship provisions.
  • Real property held solely. Real estate titled in one name alone passes through probate in either case. The will directs who takes it; the intestacy statute applies its formula.
  • Second marriages and blended families. Statutory shares in this situation vary widely between states — some reduce the spouse’s share where descendants are not the spouse’s, others do not — and the resulting split is fixed by that state’s formula rather than by the decedent’s intentions.
  • Childless decedents with no spouse. The statute passes the estate to parents, then siblings, then more remote kin. A gift to a charity, a friend, or a named niece or nephew has no statutory equivalent.

The documented preparation routes

Wills are prepared by three routes. The figures below are the documented price ranges for each. What differs between the routes is what is included; the execution requirements, with the section that sets them in each state, are documented at How to Write a Will and What Makes It Valid.

Route What it charges What is included
Self-prepared from a template The template itself is published free by some state bars and probate courts The document only. Execution formalities are the signer’s responsibility.
Online will service Set by the service, which publishes its own price list Guided drafting, state-specific execution instructions, usually a self-proving affidavit form.
Attorney-drafted Quoted by the firm Drafting, execution supervision, and usually the accompanying powers of attorney and healthcare directive.

We found no independent published source for what any of these three routes costs as of September 2026; the ranges that are published come from the sellers themselves or from sites paid to refer customers to them, so none is cited here.

Per-state figures and citations are in Cost of a Will by State. Execution requirements — witness count, notarisation, and whether the state recognises holographic wills — are documented in How to Write a Will and What Makes It Valid.

Events with a documented statutory effect on an existing will

State statutes attach consequences to certain life events regardless of whether the will is updated:

  • Divorce. Most states revoke by operation of law any provision in favour of a former spouse on entry of the divorce decree.
  • Marriage after execution. Many states give an omitted spouse an intestate share notwithstanding the terms of the will.
  • Birth or adoption after execution. Most states give an omitted after-born child a share, under “pretermitted heir” provisions.
  • Relocation to another state. A will validly executed in one state is generally honoured in another, but self-proving affidavit forms and witness requirements differ.

What the record shows

A will and an intestacy statute govern overlapping but not identical questions. On distribution, the statutes reach only the classes of relatives they name, in fixed shares. On the appointment of a guardian for minor children and of the person who administers the estate, the statutes leave both to the court; a will is the instrument in which those nominations are made. Neither instrument affects assets that pass by beneficiary designation, joint title, or trust, and neither avoids probate for assets that do not.


Educational information only — not legal advice. State intestacy rules vary and have specific quirks. Consult a licensed attorney in your jurisdiction. Sources: state probate and intestacy codes (see the by-state guides for section cites); Uniform Probate Code §§2-101 to 2-114 for the states that have adopted it.