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Graphic showing a transition from paper to digital

Should you embrace the concept of electronic wills?

by Michael Flannery | Contributor
April 1, 2020

Electronic wills have been authorized in four states. Others are postured to follow. But the advantages and disadvantages are still being debated. Will other states follow suit just because they can, or because they should? With adequate safeguards in place to address traditional concerns, the Uniform Electronic Wills Act is simply another resource for escaping what law professor and drafter of the Uniform Electronic Wills Act, John Langbein, calls the "harsh and relentless formalism" of the law of wills. Ultimately, it will be your choice whether to use it.

There is no debating it any longer: Electronic wills are here — at least in Nevada, Indiana, Arizona and Florida and Maryland. As for the rest of the states, the debate continues over the propriety of adopting legislation that will allow for people to electronically create, execute and store their wills, without even the hint of paper and pen or the physical presence of witnesses.

Is the world of probate and estate planning ready for such a sudden and drastic break from the traditional formalities for executing wills? Is the concept of electronic wills really that novel or drastic?

Senior couple happy while reviewing their electronic will

This article will discuss both sides of the coin. Many argue that the use of electronic wills is not quite as arbitrary as a coin flip, because there can be significant differences that could affect your ultimate estate plan. If nothing else, the differences could invite problems that centuries of formal requirements have tried to avoid, namely fraud and undue influence perpetrated upon a vulnerable testator. Others claim that the benefits of using electronic wills far outweigh the novelty of the concept or any concerns about its fair and reliable use.

So, who is right? And after centuries of rigidly enforcing what sometimes seem to be pointless formalities for executing wills, how did we get to a juncture at which scholars are debating the adoption of something thought to be as novel and reformative as the Uniform Electronic Wills Act?

What is the Uniform Electronic Wills Act?

The Uniform Electronic Wills Act, also known as the "E-Wills Act," is a model statute proposed by a commission of the most astute and insightful legal scholars in the area of wills and estates (the Uniform Law Commission, or ULC) who believe that the Act is the most practicable approach for states to adopt on the issue of the valid execution of wills.

For centuries, legal scholars adhered to very strict requirements for the execution of wills, mainly to avoid any likelihood for fraud, undue influence or other bad acts perpetrated upon the maker of a will (the "testator") that would draw into question the testator's true intent for the distribution of their property upon death. Specifically, the aspects of a will that bore the brunt of the requirements were:

  • The required medium of a writing
  • The signature of the testator
  • The witnessing of the will, including the physical presence of the witnesses

All of these, however, were directed at determining the true intent of the testator and, since 1677, with the enactment of the Statute of Frauds, these formalities have been considered indispensable.

Now, the Uniform Electronic Wills Act purports to "modernize" the law by allowing testators to deviate from the strict traditional requirements for a writing, an authentic signature and the physical presence of witnesses, by allowing a testator to legally validate a will electronically — and perhaps even without the advice of counsel. For many, the Act represents a sudden and drastic departure from tradition and the necessity of formality.

In fact, in 1999, the same ULC endorsed another statute — the Uniform Electronic Transaction Act (UETA) — which authorized the use of electronic media to validate legally binding instruments, which now includes:

  • Commercial contracts
  • Land records
  • House closings
  • Electronic court filings

However, the UETA, which has been adopted in almost every state, expressly excludes wills from the electronically recorded instruments that are deemed acceptable under the Act. But now, suddenly, electronic wills are acceptable? What has changed?

What has changed?

The ULC and proponents of the E-Wills Act contend that nothing has really changed. Rather, the Act is just another opportunity for states to adopt more flexible rules to allow testators to execute a will when they may not have otherwise done so because of outdated obstacles that accompany the traditional will, such as:

  • Expense - The E-Wills Act allows testators to draft, execute and store their will without having to retain an attorney to oversee the ceremonial formalities of the traditional will.
  • Inaccessibility - The E-Wills Act provides easily accessible resources, such as online notarization (it does not require a qualified custodian). However, witnesses and notaries are accessible online and accomplish the same function for executing the will. Also, language and disability barriers are more easily remedied with accessible technology.
  • Complexity - The formalities of traditional wills can be a labyrinth of antiquated requirements that often served to undermine the true intent of the testator. The E-Wills Act modernizes and simplifies the process by adapting the traditional requirements of the Wills Act without restricting access.
  • Inconvenience - The need for in-person ceremony performed by the testator, attorney, two or more witnesses and a notary, all together at the same place and time, is hardly conducive to the easy execution of a will. The E-Wills Act brings all the necessary participants together virtually and conveniently whenever the testator is ready to execute their will. Thus, testators who are disabled or immobile can state their wishes without the burden of traveling to in-person meetings, arranging witnesses and avoiding scheduling conflicts and delays.

With respect to the concerns of bad acts and the vulnerability of testators who, perhaps, are not as technologically savvy as the modern millennial, there are safeguards and restrictions in place. Additionally, the Act provides states the option of adopting or rejecting specific provisions or applications, such as the requirement for the physical presence of witnesses. The Uniform Act allows for remote access by witnesses and Florida — the most recent state to adopt the Electronic Wills Act — chose to allow for such access. But states have the option to adapt the requirements to their own policies and preferences.

Pouring old wine into new bottles

As the ULC suggests, the new Act "simply modernizes and adapts existing Wills Act requirements, without prescribing the use of specific technologies." It still recognizes and requires the traditional concepts. For example, the new Act:

  • Requires a writing
  • Requires a signature
  • Requires attestation
  • Requires the presence of witnesses, either physically or remotely, just as existing state policies might prescribe a strict "sight test" for witnesses (witnesses actually see the testator and each other sign) or a "conscious presence" test (witnesses are conscious of the signing but not necessarily required to see the signatures)
  • Restricts audio or video mediums unless transcribed, much like those states that recognize "nuncupative" or "oral" wills but require that they be reduced to writing within a reasonable time
  • Provides for revocation by physical act, either electronically or traditionally and the revival of revoked wills
  • Adopts the flexible "harmless error" rule that the Uniform Probate Code adopted in 1990 to replace strict compliance with a clear and convincing demonstration of intent
  • Allows for the self-proving aspects of Uniform Probate Code 2-504
  • Addresses choice of law issues and uniformity among states

Thus, the Act more or less accommodates the traditional rules by providing them a new medium that translates to a younger, "digitized" audience. In doing so, the hope is that creating a last will and testament will is easier, more accessible and less daunting for the modern testator.

What are the lingering concerns?

Of course traditional practitioners have some reservations about what they may perceive as straying too far from necessary traditions. For example:

  • The Act invites opportunity for bad acts, like fraud, undue influence, duress and other issues surrounding the assessment of the testator's mental capacity.
  • For practitioners in states that do not adopt the notarization of wills as a validation method, using online notaries is a particularly foreign concept.
  • A glaring concern about the Uniform Electronic Wills Act is that it may encourage testators to act without the advice, oversight and foresight of legal counsel, particularly with respect to tax consequences.
  • Many practitioners are skeptical of the validation of instruments so reliant on intent without a tangible, printed document.
  • Practitioners express concerns about the extent to which one's wishes can truly be fulfilled with a "one-size-fits-all" format, much like the concerns expressed over the use of current online estate planning services.
  • The new Act leaves some questions unanswered, particularly as to the required storage of documents, confidentiality and cyber security of data.

Ultimately, the choice is yours

Completing an electronic will on a tablet

Although the idea of electronic wills seems like a legal version of a science fiction plot, the concerns about its adoption are really "much ado about nothing." Well, maybe not "nothing," as the codification of electronic wills is a concept novel to all but four jurisdictions. However, notwithstanding that the leading wills and estate scholars embrace the philosophy of "in with the new," there is no requirement that we go "out with old." This is true for individual states and individual testators. States are not required to adopt the Uniform Electronic Wills Act and even if they do, testators are not restricted to using it. The traditional but increasingly flexible formalities of will execution still have their place. The Uniform Electronic Wills Act is simply making room for more options from which you may choose.

How do I create an estate plan?

There are numerous options and scenarios to consider when developing an estate plan that protects your legacy and achieves your objectives, and important decisions should be made with the advice of qualified lawyers and financial experts. Membership with Legacy Assurance Plan provides members with valuable resources and guidance to develop comprehensive estate plans that take life's contingencies into consideration and leave a positive impact for generations to come. Legacy Assurance Plan members also receive peace of mind that a team of trusted, experienced professionals will assist them in developing legal, financial and tax strategies that will meet their needs today and for years to come through periodic reviews.

This article is published by Legacy Assurance Plan and is intended for general informational purposes only. Some information may not apply to your situation. It does not, nor is it intended, to constitute legal advice. You should consult with an attorney regarding any specific questions about probate, living probate or other estate planning matters. Legacy Assurance Plan is an estate planning services company and is not a lawyer or law firm and is not engaged in the practice of law. For more information about this and other estate planning matters visit our website at legacyassuranceplan.com.

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