How to Make a Will in Canada

Wills are governed province by province, not by Ottawa. Here is what changes when you cross a border, from witnessing rules to Quebec's notarial will, plus how to keep yours current.

This article is general information, not legal advice. Wills in Canada are governed by provincial and territorial law, so the rules where you live decide what is valid. Before you sign anything, confirm the requirements with a lawyer or, in Quebec, a notary in your own province or territory.

The gap is real. The Angus Reid Institute has found that roughly half of Canadians (about 51%) say they have no will at all, and only about a third say they have one that is up to date. Even among those aged 55 and over, around one in five have nothing in place. A will is the most ordinary way to decide who looks after the people and things you care about, and most adults still put it off.

There is no single "Canadian will"

The first thing to understand is that there is no federal wills statute. Each province and territory writes its own rules. That means the steps for a valid will in Toronto are not identical to those in Vancouver, Calgary or Montreal.

The main common-law statutes you may hear named include Ontario's Succession Law Reform Act, British Columbia's Wills, Estates and Succession Act (commonly called WESA), and Alberta's Wills and Succession Act. Quebec is different again: it is a civil-law jurisdiction, and wills there are governed by the Civil Code of Quebec. The full text of each is available free on CanLII and on the relevant provincial government site.

What a typical common-law will needs

Across most common-law provinces, a formal will follows the same broad pattern:

  • Age. You generally must be the age of majority, which is 18 in provinces such as Ontario and Alberta and 19 in British Columbia, Nova Scotia and several others. Some provinces let younger people make a will in limited cases, for example if they are married or in the armed forces, or, in BC, from age 16.

  • In writing. The will must be a written document. A purely verbal wish is not a will.

  • Signed. You sign it (or direct someone to sign for you in your presence).

  • Two witnesses. Two witnesses must be present together when you sign, and they sign as well.

  • Witnesses who do not benefit. A witness, or that witness's spouse, generally should not be a beneficiary. Naming your witness as a beneficiary can void the gift to them, even though the rest of the will may stand. Choose neutral witnesses.

Get these formalities right and the will is valid on its face. Get them wrong and your estate may be treated as if you died without a will (intestate), with a statutory formula deciding who inherits.

Holograph wills: handwritten and unwitnessed

A holograph will is one written entirely in your own handwriting and signed by you, with no witnesses at all. Many provinces accept them, including Ontario (under section 6 of the Succession Law Reform Act), Alberta, Saskatchewan, Manitoba and New Brunswick. Quebec recognises its own holograph form as well.

Not every province does. British Columbia's WESA does not provide for holograph wills as a standard category: section 37 still calls for two witnesses. Prince Edward Island is also restrictive. So a handwritten note that would be valid in Alberta may not stand in BC on its own.

That said, holograph wills are a backstop, not a plan. They are easy to get wrong: a vague phrase, a missing signature or an unclear date can spark a dispute. Use one only when you genuinely cannot do better, and replace it with a properly executed will as soon as you can.

BC's safety valve: curing a defective will

British Columbia goes further than most provinces in rescuing flawed documents. Under section 58 of WESA, a court can order that a document or record represents the will-maker's intentions even if it does not meet the usual formalities, provided the court is satisfied the document is authentic and sets out the person's full, final and fixed wishes.

Ontario added a comparable power in 2022: under section 21.1 of the Succession Law Reform Act, the Superior Court of Justice can validate a document that "substantially complies" with the rules. These provisions are a relief valve, not a licence to be careless. Curing a will means a court application, cost and delay, which is exactly what a proper will avoids.

Quebec is its own world

Quebec is a civil-law jurisdiction, and the Civil Code recognises three forms of will:

  • Notarial will. Drawn up by a notary and signed before a witness. Its great advantage is that it does not need to be probated (the Quebec term is verification or probate of the will), because a notarial act is presumed authentic. The notary keeps the original and registers it.

  • Holograph will. Written entirely by hand and signed by you, with no witnesses. After death it must be verified by a notary or the court.

  • Will made in the presence of witnesses. You declare the document to be your will and sign it before two witnesses. It too must be verified after death.

Quebec has no forced heirship in the French historical sense, so you can generally choose your heirs. But the Civil Code protects the family in other ways, notably through the family patrimony rules and possible support claims against the estate, which can limit what you freely give away. The person who administers a Quebec estate is called the liquidator, not the executor.

Executors by another name

The person you appoint to carry out your will has different titles across the country. Ontario formally calls them the estate trustee (the older word executor is still used in everyday speech, and probate there is the Certificate of Appointment of Estate Trustee). Most other common-law provinces use executor or personal representative. Quebec uses liquidator. Whatever the label, the job is the same: gather the assets, pay the debts and taxes, and distribute what is left according to the will.

Pick someone organised, trustworthy and willing, name a backup, and tell them where the will is kept.

Revoking and updating: a rule that recently changed

For generations, getting married automatically revoked an existing will in most provinces, a trap that caught many couples by surprise. Several provinces have now reversed that.

In Ontario, marriage no longer revokes a will for marriages on or after 1 January 2022. British Columbia and Alberta likewise do not have marriage revoke a will. The flip side is that you must now actively review your will after a marriage, because it will not refresh itself. Divorce or separation, by contrast, still typically cancels gifts to a former spouse in many provinces, but the details vary, so confirm them locally.

You should revisit your will after any major life change: marriage, separation or divorce, a new child, a death, a move to another province, or a significant change in assets. To revoke a will deliberately, you generally make a new one that says so, or physically destroy the old one with the intention of revoking it. Avoid handwritten edits on a signed will, as crossing things out can create more problems than it solves.

Storing it safely

A will only works if it can be found. Keep the signed original somewhere safe and accessible to your executor: a fireproof home safe, a lawyer's or notary's office, or a provincial will registry where one exists. Quebec maintains will registers through the Chambre des notaires and the Barreau, which is one reason notarial wills are so reliable there. Tell at least one trusted person where the original lives, and keep a note of any registry reference.

Where Afterlife AI™ fits

A will decides who receives your things. It says nothing about who you were. Afterlife AI™ is built for the second part: a consent-based Persona, your stories, your way of thinking, your voice, preserved by you while you are alive so the people you love can still reach for them later.

You can start free with a one-time build budget: 60 memories and 100 conversations to build your Persona, no card and no time limit, and that build never expires. The free build also includes one Trusted Contact and your Executor Lock™ setup, the step that locks your choices, including consent to play your preserved voice after you are gone, so they cannot be altered later. Creating your voice is free for everyone; the lasting listening experience sits on a paid plan (Legacy at $14.99 a month, with Eternal at $29.99). Think of it as the companion to your legal will, not a replacement for it. For the will itself, see a lawyer or notary in your province.

Frequently asked questions

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