No one likes to face their own mortality, but avoiding reality for too long can lead to significant troubles for you and your loved ones. A last will and testament is legal document you can use to express your desires after you die. Every state has its own laws about last wills and testaments, and though you have to ensure your document complies with these laws, they are not hard to understand. Making a will is not a difficult endeavor, and making the effort to do it now can save you a lot of worry down the road.


Reason 1: Your state's laws have already determined who receives your property.


            Whether you're wealthy or not, having a will ensures that your wishes are followed after you die. If you die without a will your property will still pass to your inheritors, but it won't be your choices that determine who receives it. All states have laws that predetermine who inherits your property in the event you die without a will. The only way to avoid these laws, known as intestate succession laws, is to create a valid will. If you don't, your property may end up passing in a way you don't agree with. However, you have to be careful when creating the document. If your will doesn't comply with all state requirements a court may deem the will invalid and apply the laws of intestate succession anyway. This is why you should always consult with an experienced attorney to make sure your will is valid.


Reason 2: You may lose the ability to create it later.


            While some states allow people under the age of 18 to create a will, all states requires that you must be of sound mind when you create one. Being of sound mind means that you are legally capable of making your own decisions. If you later become mentally incapacitated or suffer an illness, such as Alzheimer's disease, that causes you to lose your ability to make knowing choices, you can no longer create a will. Once you lose this ability, you may never get it back. If you're healthy and capable of making your own decisions right now, take advantage of your health my making a will and giving yourself some security.


Reason 3: You can still change it whenever you want.


            Unlike a contract or agreement you make with someone else, you don't need anyone's permission or agreement to change the terms of your will. If you make a very simple last will and testament right now, you can always go back and change it later. If, for example, you create your last will and testament while you are still single and want to leave everything to your nephew, you can later change this after you get married or have a child of your own. Even if you decide to leave everything to someone in your current will, you can change your mind at any time and there is nothing your heirs can do about it.


Reason 4: Wills are not difficult to create.


            Though a last will and testament is a legal document, it doesn't have to be a complicated and technical affair to create one. State will requirements are fairly basic and you can often create a will in your own handwriting in your spare time. However, a truly effective will addresses a number of different factors that aren't specifically required by the law. Understanding all the issues that you need to address in your will often takes the assistance of an experienced attorney. Though you can create a will yourself, you will be much better served by receiving quality legal advice from a lawyer who knows no only what a will must contain, but what optional terms it can have to make it the most effective document you can create.