Creating a will is an important first step, but it doesn’t cover everything. A letter of instruction helps bridge that gap. It’s an informal document that offers practical details, personal messages, and helpful instructions for both your loved ones and your executor. While not legally binding, this document provides clarity and comfort during a challenging time.
What is a letter of instruction?
A letter of instruction is a written guide that outlines your wishes, practical advice, and the whereabouts of key documents. It’s not a legal document, but it adds meaningful context and guidance that your will may not include.
Think of it as your personal roadmap to make things easier for those managing your affairs after your passing.
What to include in a letter of instruction to your executor
Your executor is responsible for carrying out the wishes in your will and managing your estate. A letter of instruction can help make their job much easier by providing:
- Location of important documents: Where to find your will, insurance policies, property deeds, and other essential paperwork
- Key contacts: Names and contact information for your lawyer, accountant, financial advisor, and other professionals
- Outstanding debts or bills: A list of any bills, loans, or recurring payments that need attention
- Instructions for digital accounts: Guidance on handling your email, social media, cloud storage, and subscription services
This kind of practical detail can prevent delays and confusion during an already stressful time.
What to include in a letter of instruction to your family
While your executor handles the formal estate process, your family will likely be dealing with the emotional weight of your passing. A letter of instruction can offer them comfort and support through:
- Sentimental items: Notes about personal items you’d like passed down to specific people
- Personal messages: Words of encouragement, love, or guidance you want to share
These human touches help your family feel connected to you and your wishes, even after you're gone.
Where to store a letter of instruction
Store your letter of instruction in a safe but accessible place, ideally alongside your will. Be sure that both your executor and a trusted family member know where to find it.
A final thought
A little planning now can make a big difference later. By writing a letter of instruction, you’re giving your loved ones and executor the gift of guidance when they need it most.
Create your will online today – and consider including a letter of instruction as part of your legacy.
