Mirror wills are two separate wills for a couple that contain matching (or very similar) terms. Typically, each spouse leaves everything to the other, and if the other has already died, to their children. They're the most popular type of will for married couples.
How Do Mirror Wills Work?
The Basic Structure
Husband's will says:
- Everything to my wife
- If she's already died, everything split equally between our children
- My wife is my executor
- If she can't act, my brother John is backup executor
Wife's will says:
- Everything to my husband
- If he's already died, everything split equally between our children
- My husband is my executor
- If he can't act, my sister Sarah is backup executor
The wills "mirror" each other - same wishes, opposite directions.
What's the Difference Between Mirror Wills and a Joint Will?
Mirror Wills
- Two separate documents
- Each person can change their will independently
- More flexible
- The standard choice for most couples
Joint Will
- One document signed by both
- Neither can change it without the other
- Very inflexible
- Rarely recommended
Mutual Wills
- Two documents with an agreement not to change them
- Binding after first death
- Creates legal complications
- Also rarely recommended
Recommendation: Mirror wills are almost always the best choice. They balance coordination with flexibility.
Advantages of Mirror Wills
1. Cost-Effective
Cheaper than two individual wills because the drafting work is similar. Typically £150-400 for both.
2. Coordinated Planning
Ensures you and your spouse have aligned plans for your estate and children.
3. Flexibility
Either spouse can update their will without the other's permission (unlike mutual wills).
4. Simplicity
Clear structure that's easy to understand and administer.
5. Protection for Surviving Spouse
Ensures the survivor inherits everything and can continue living normally.
Disadvantages of Mirror Wills
1. No Protection Against Remarriage
If your spouse remarries after you die, they can change their will. Your children could be disinherited by their new step-parent.
2. No Care Fee Protection
Simple mirror wills don't protect against care home fees. The surviving spouse owns everything, which is fully assessed.
3. Either Can Change Unilaterally
Your spouse could change their will after you die without anyone knowing.
Solution: If these concerns apply to you, consider trust wills instead of simple mirror wills.
Mirror Wills vs Trust Wills
| Feature | Mirror Wills | Trust Wills |
|---|---|---|
| Cost | £150-400 | £450-700 |
| Remarriage protection | No | Yes |
| Some care fee protection | No | Yes (limited) |
| Complexity | Simple | More complex |
| Best for | Simple situations | Property protection |
When Are Mirror Wills Right for You?
Good Choice If:
- You're married or in a civil partnership
- You want to leave everything to each other
- You have shared children
- You trust each other completely
- Neither of you is likely to remarry
- You're not worried about care fees
Consider Trust Wills If:
- You have children from previous relationships
- You're concerned about remarriage
- You want some protection against care fees
- You have significant property to protect
How Much Do Mirror Wills Cost?
| Provider | Typical Cost (Both Wills) |
|---|---|
| Will writer | £150 - £300 |
| Solicitor | £250 - £500 |
| Online service | £90 - £180 |
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Frequently Asked Questions
Do mirror wills have to be identical?
No. They typically mirror the main provisions but can have differences - different executors, different specific gifts, etc.
Can we make mirror wills if we're not married?
Yes. Unmarried couples often use mirror wills. In fact, it's even more important since unmarried partners have no inheritance rights without a will.
What happens if we divorce?
Divorce doesn't revoke your will, but it treats your ex as if they died before you. You should make new wills after divorce.
Can one of us change our will without telling the other?
Yes, with mirror wills (unlike mutual wills). This is why trust can be important, and why some couples choose trust wills.