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📜 Wills New Zealand

A Will is the most important document you’ll ever write — and at JVFS, every risk insurance client receives a free Will as part of their service.

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Why Every Kiwi Needs a Will

Without a valid Will, your estate is distributed under the Administration Act — which may not reflect your wishes at all. A properly structured Will ensures your assets go to the right people, your children are cared for by your chosen guardian, and your family avoids a stressful legal process at the worst possible time.

💡 More than 50% of New Zealanders don’t have a current, valid Will. This is one of the most important things you can do for your family.

What a Will Covers

  • Distribution of assets to named beneficiaries
  • Appointment of a guardian for minor children
  • Appointment of an executor to manage your estate
  • Specific bequests (property, possessions, money)
  • Business interest instructions if applicable

What Happens Without a Will?

  • Estate distributed under default NZ law — not your wishes
  • Your partner may not automatically receive everything
  • A court appoints a guardian for your children — not you
  • Process takes longer and costs your estate more
  • Family disputes become far more likely

JVFS Free Will Service

Every JVFS client who takes out a risk insurance policy (life, income protection, trauma, or disability) receives a free Will as part of our service.

💡 Getting the right insurance and the right Will at the same time is the most complete protection you can put in place.
50%+
of NZ adults don’t have a valid Will
Free
with every risk insurance policy at JVFS
Complete
protection — insurance + Will together

Our Approach to Wills at JVFS

🆓 Free With Risk Policies

Every client who takes out risk insurance with JVFS receives a free Will — one of the most valuable parts of our service.

🤝 Holistic Protection

Insurance protects your income; a Will ensures assets go where you intend. Two parts of the same plan.

📋 Simple Process

We guide you through what information is needed and ensure it’s completed properly.

🔄 Regular Review

Life changes — births, marriages, asset changes. We prompt you to review and update when circumstances change.

Common Questions

Frequently Asked Questions

Honest answers about wills in New Zealand.

Do I get a free Will with my insurance? +
Yes — every JVFS client who takes out a risk insurance policy (life, trauma, disability, or income protection) receives a free Will as part of our service.
What happens if I die without a Will in NZ? +
Your estate is distributed under the Administration Act — a fixed legal formula that may not match your wishes. A court will appoint your children’s guardian.
How often should I update my Will? +
After any major life event — marriage, divorce, birth of a child, significant asset changes, or death of a named beneficiary or executor.
Who should I appoint as executor? +
Your executor manages your estate after you pass — typically a trusted family member, close friend, or professional executor. We can advise on the right approach.
Can my Will be contested in NZ? +
Yes — NZ law allows certain people to contest under the Family Protection Act. Good legal preparation minimises this risk.
Do I need a Will if I’m young? +
Yes — especially with dependants, a mortgage, or significant assets. Accidents and illness don’t only happen to older people.

Protect Your Family — Insurance AND a Will

The most complete protection is the right insurance combined with a valid Will. Talk to us today — the Will is free with your risk policy.

📅 Book a Free Consultation📞 Call Us Today

🏅 MDRT Member  •  🏆 Most Trusted Award  •  📋 Licensed FSP  •  🤝 Independent Advisors

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