Do you not have a valid will? You’re not alone. Over 56% of Canadian adults don’t have a will, and online platform Willful has a goal to help with changing this unfortunate trend.

Dying without a will needlessly complicates matters and causes loved ones stress at an already stressful time. Willful is a platform that’s affordable, easy to use and provides peace of mind to ensure your loved ones will be taken care of when you’re no longer around to do so.

There are many reasons we put off preparing a will. Let’s look at five of the most common excuses – and the reasons why they don’t hold up.

1. I’m not married, so I don’t need a will

Even if you’re a bachelor or bachelorette, in many cases it makes sense to have a will. If you’re single or living with a common-law partner,  or if you own a major asset like a home, preparing a will often makes sense.

A will ensures your partner is taken care of when you’re no longer around, and that your assets are distributed according to your wishes. You may want your home to go to your common-law partner, but without a will, the government will distribute it based on a generic method . If you’re single and you own an asset, you still want a say in how it’s distributed after you pass away, which means you do need a will even if you don’t have a partner.

Wouldn’t you rather live with the peace of mind knowing your loved ones are taken care rather than causing them grief by dying without a will and complicating matters?

2. It’s a morbid topic

No one wants to think about death – it’s an uncomfortable topic, despite the fact that it’s inevitable. We get it. Estate planning isn’t something most of us enjoy talking about around the dinner table along with last night’s hockey score. But wouldn’t you rather express your wishes to those nearest and dearest to you clearly and legally in a will?

Dying without a will can cause your family a lot of grief and can needlessly complicate your estate. Whether or not you discuss death with your family, by creating a will you’re thinking about an uncomfortable topic now to save your family extra stress in the future.

3. I can’t afford a will

Affordability is one common reason why far too many Canadians put off creating a will. We created Willful to change that. Not only is Willful convenient and easy to use, it’s affordable, too.

Going to a lawyer can be pricey, especially when you’re a young family with another child on the way, a mortgage and car payments. With Willful, for as little as $99 you can create your very own last will and testament and save at least $200 compared to going to a lawyer.

Life is always changing, so it’s important to make sure your will is up to date. At Willful, we want to make sure your will reflects your current wishes. That’s why we offer unlimited changes at no extra cost because it’s the right thing to do.

4. The government will take care of my estate

When you die without a will (known as “intestate”), Ontario’s Succession Law Reform Act dictates how your estate is to be divided. If you have a cookie-cutter estate then you may be fine, but most of us don’t. We get married, start a family and buy major assets like a home and car, which complicates matters.

Ontario’s Succession Law Reform Act may distribute your estate to your heirs according to your wishes – or it may not. Wouldn’t you rather plan out exactly how your loved ones are taken care of when you’re gone, rather than leave it in the hands of the government? We know we would.

5. I’m too young to worry about a will

While you may be young and healthy, sometimes life throws curveballs at us. You could live to be the ripe old age of 110 – or get hit by a bus tomorrow. Nobody knows. (Retirement planning would be so much easier if we knew the exact day we were going to die, but I digress.) A will prepares you for those “what if” scenarios, rather than your loved ones being caught by surprise.

We often hear millennials say they don’t need a will because they don’t have any assets – but even if you don’t have assets, you should create a Power of Attorney for Personal Care, which dictates what happens to you in the event that you’re in an accident and incapacitated.

If you’re living with a partner or have children, even if you’re young, a will is a must-have legal document to ensure your loved ones are taken care of when you’re no longer around. It’s worth its weight in gold. Trust us on that.