Michigan Wills vs. Trusts: Your Essential Estate Planning Guide

January 22, 2024
Written by: Insurance&Estates | Last Updated on: April 10, 2025
Fact Checked by Jason Herring and Barry Brooksby (licensed insurance experts)

Insurance and Estates, a strategic life insurance provider composed of life insurance professionals, is committed to integrity in our editorial standards and transparency in how we receive compensation from our insurance partners.

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Michigan Wills vs. Trusts

The Great Lakes State offers unique estate planning features including a statutory will template, simplified probate for small estates under $15,000, and strong spousal protections. With Michigan’s holographic will recognition and “Lady Bird Deeds” for real estate transfers, understanding the important differences between wills and trusts can save your family significant time, money, and stress while preserving your legacy.


US Map For The Different Will and Trust Requirements by State

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Interested in other state’s law regarding wills and trusts? Click the ABOVE state you want to be taken to. 

Statutory Authority

Wills

Mich. Comp. Law §§700.2501, et. seq.

Trusts

Michigan Trust Code, Mich. Comp. Law §§700.7101, et. seq.

Michigan Will Requirements

A Michigan Last Will and Testament should include:

  • Age and Capacity: Testator must be mentally competent and at least 18 years old
  • Format: Must be in writing
  • Signature: Must be signed by the testator
  • Witnesses: Must be signed by two competent witnesses

Mental Competence

Testators are mentally competent under Michigan law if they:

  • Understand the nature and extent of their assets
  • Know who their heirs are and who stands to benefit from the will
  • Understand that the will provides for disposition of assets after death

Witness Requirements

For Michigan wills:

  • Witnesses must actually observe the testator either signing the will or declaring that the document is intended as a will and that the signature is genuine
  • Though disinterested witnesses are generally preferable, neither a Michigan will itself nor any provisions thereof are invalidated if one of the witnesses has an interest in the will

Incorporation by Reference

Under Michigan law, a will can incorporate another document by reference if:

  • The document is in existence when the will is executed
  • It is sufficiently described to allow identification
  • Michigan law expressly authorizes testators to incorporate personal property memoranda providing for specific bequests of tangible personal property items
  • Personal property memoranda should be signed by the testator and may be prepared before or after execution of a will
In Michigan, a testamentary document can sometimes be effective even if not technically in compliance with all ordinarily required formalities if it can be established through clear and convincing evidence that the decedent intended the document to serve as his or her will (or as an amendment, revocation, or revival of the decedent’s will).

Self-Proved Wills

Wills in Michigan do not need to be notarized. However, a Michigan will can be made “self-proved” via execution of a statutorily compliant notarized affidavit:

  • Within the affidavit, the testator acknowledges the will’s authenticity, and the witnesses provide attestation that the testator signed the will with the intent that it would serve as a will
  • When a self-proved affidavit is present, it serves as evidence of a will’s authenticity in probate, avoiding the need for witness testimony
  • The Michigan legislature publishes a form self-proved affidavit within the Michigan Compiled Laws, at §700.2504

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Amendment, Revision, and Revocation of Michigan Wills

Amending a Michigan Will

A Michigan will can be amended or revised through:

  • Execution of a codicil (an addendum to an existing will)
  • To validly amend a will, a codicil must comply with all legal formalities that apply to creation of a will

Revoking a Michigan Will

A will can be revoked or amended through:

  • Execution of a new will expressing the intent to revoke or supplement the prior will
  • If a new will does not expressly revoke a prior will, the new will is interpreted as supplementing the prior will, with the later-executed will controlling in the event of any conflicting provisions
  • If the later will disposes of substantially all of the testator’s assets, the testator is assumed to have intended the new will to fully supersede the earlier will
Alternatively, a Michigan will may be revoked through intentional physical destruction of the document (such as through burning, tearing, or shredding the document) by the testator or someone else at the testator’s direction and in the testator’s presence.

Automatic Revocation by Divorce

If a testator is divorced after executing a Michigan will, any devises or other provisions relating to the former spouse are rendered ineffective, unless the language of the will suggests that the provisions were intended to survive divorce. Will provisions revoked by operation of law due to a divorce can be revived if the testator re-marries the former spouse.

Effect of Marriage After Will Execution

If a testator marries after executing a will, the spouse receives a share of the testator’s estate as if the testator had left no will unless the will contemplates the marriage.

Holographic and Oral Wills

Holographic Wills

Michigan law recognizes holographic wills, with or without witnesses, if the document in question:

  • Is signed and dated by the testator
  • All material provisions within the document are recognizably written in the testator’s own handwriting

Oral (Nuncupative) Wills

Oral (or “nuncupative”) wills are not recognized under Michigan law.

Michigan Trust Requirements

To create a valid trust under Michigan law:

  • The grantor must have sufficient legal capacity to create the trust
  • For revocable trusts, the standard for capacity is the same as for creation of wills
  • The trustee must have actual duties to perform
  • The trust must usually have a definite beneficiary—subject to a few exceptions such as animal trusts and charitable trusts

Trust Purpose Requirements

The purposes of a Michigan trust must be:

  • Lawful
  • Not in conflict with public policy
  • Possible to achieve
As a general rule, the same individual cannot be a trust’s sole trustee and its sole beneficiary.

Oral Trusts

Though most trusts are memorialized by a written instrument, Michigan law permits oral trusts as long as the terms of the trust can be established by clear and convincing evidence.

Revocation or Amendment

The grantor of a revocable trust subject to a written trust instrument can revoke or amend the trust by executing a written instrument that clearly expresses the intent to revoke or amend the trust.

Trust Creation Methods

Under the Michigan Trust Code, a trust is created when:

  • A settlor transfers title to one or more assets to a trustee for a beneficiary’s benefit
  • Upon the grantor’s declaration that he or she holds property as trustee for someone else’s benefit
  • Upon execution of a written appointment of a trustee

Trust Termination

A Michigan trust terminates when:

  • It is revoked or expires under its own terms
  • When the trust’s purpose has been achieved
  • When the purpose has become impossible, unlawful, or contrary to public policy

A Michigan court may also terminate or modify a trust if, due to unanticipated circumstances, termination or modification is necessary to further the trust’s purpose or likely intent of the grantor.

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Special Considerations

Michigan Statutory Will

Fill-in-the-Blank Will Template

The Michigan legislature has established a fill-in-the-blank will template which, if fully completed and signed by the testator and two witnesses, is deemed to constitute a valid will under Michigan law. The Michigan Statutory Will is published at Mich. Comp. Law, §700.2519.

Estate Taxes

No State Estate Tax

Michigan does not impose any state-level estate tax. Large Michigan estates may still be liable for the federal estate tax.

Simplified Probate

Small Estate Procedures

Upon an executor’s petition, Michigan probate courts may permit an expedited probate process for small estates:

  • If the gross value of the estate after paying final expenses totals $15,000 or less, the probate court can order estate property turned over to a surviving spouse or, if none, to lawful heirs
  • Similarly, if an estate inventory reveals that there are no assets in excess of lawful exemptions (e.g., homestead allowance, family allowance, expenses related to the decedent’s final illness), the personal representative can distribute assets directly to lawful beneficiaries

Non-Probate Transfers

Beneficiary Designations

  • POD (payable-on-death) and TOD (transfer-on-death) designations can be used to automatically transfer financial accounts, CDs, securities, and some other financial assets
  • Michigan does not recognize TOD designations on vehicle titles or within real estate deeds

Lady Bird Deeds

  • “Lady Bird Deeds” (a/k/a “enhanced life estate”) can be used to transfer Michigan real estate under terms very similar to a TOD deed

Joint Ownership

  • Michigan recognizes two forms of joint ownership that include a “right of survivorship”
  • With both joint tenancy and tenancy by the entireties (available only for spouses), full title automatically vests in a surviving owner upon the other owner’s death, with no need for probate

Spousal Shares

Strong Spousal Protections

Michigan law affords surviving spouses strong protections against disinheritance. Upon the death of a spouse who left a will, a surviving spouse has two options:

  • The spouse can choose to receive the inheritance provided under the will
  • Or, he or she can elect to receive a share equal to one-half of the inheritance the spouse would have received had the decedent spouse died without a will, reduced by half of the value of any non-probate assets the surviving spouse receives from the decedent spouse

Intestate Spousal Share

If a decedent spouse leaves no will, a surviving spouse’s intestate share is:

  • The entire estate if the decedent is not survived by a descendant or parent
  • Otherwise, the share is either $100,000 or $150,000, plus either ¾ or ½ of the remaining value—with precise values depending on the descendants of the decedent spouse and surviving spouse

Spendthrift Trusts

Creditor Protection Through Trusts

When a Michigan trust includes a valid spendthrift clause:

  • A creditor of a beneficiary cannot attach trust property until distributed directly to the beneficiary
  • However, interests in spendthrift trusts can be attached to satisfy claims for domestic support obligations, government debts, or claims arising from services that enhance, preserve, or protect the beneficiary’s interest in the trust
  • If a spendthrift trust is revocable, creditors of the settlor can reach trust assets during the settlor’s lifetime
  • If irrevocable, creditors of the settlor can only reach the amount of assets that can be distributed for the settlor’s benefit

Need help creating the right estate plan for your Michigan family?

Our estate planning specialists can help you navigate Michigan’s unique laws and create a personalized strategy.

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Wills vs. Trusts: Comparison

Feature Wills Trusts
When It Takes Effect After death Can be immediate (living trust) or after death (testamentary trust)
Probate Process Requires probate Assets in trust avoid probate
Privacy Public record Generally private
Challenges Can be challenged in probate court More difficult to challenge
Cost to Create Generally less expensive Usually more expensive
Ongoing Administration None until death May require ongoing management
Protection During Incapacity None (requires separate power of attorney) Can provide management if grantor becomes incapacitated
Michigan Special Feature Statutory will template; recognizes holographic wills Spendthrift provisions for creditor protection; oral trusts recognized

Conclusion

Creating a will or trust does not have to be difficult or intimidating for Michigan residents. However, certain circumstances—like second marriages, stepchildren, aging parents, special needs beneficiaries, guardianships, and business interests—can add complexity and result in unforeseen consequences.

Michigan offers unique estate planning tools including a statutory will template, simplified probate for small estates under $15,000, and strong spousal protections. The state’s recognition of holographic wills provides additional flexibility, while “Lady Bird Deeds” offer an alternative to traditional TOD real estate transfers. These tools, combined with Michigan’s spendthrift trust provisions, provide residents with multiple options to create effective estate plans.

When any out-of-the-ordinary issues are present, it’s advisable to consult with an experienced attorney familiar with and licensed under Michigan law to ensure your estate plan takes full advantage of the state’s provisions while avoiding potential pitfalls.

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  • ✓ Avoid costly probate and family disputes
  • ✓ Maintain privacy of your financial matters
  • ✓ Protect assets during incapacity
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FAQs: Michigan Wills and Trusts

Q: What are the requirements for a valid will in Michigan?

A: A valid Michigan will must be in writing, signed by the testator (who must be at least 18 and of sound mind), and witnessed by two competent people. The witnesses must observe the testator either signing the will or declaring that the document is their will and the signature is genuine. Michigan also recognizes holographic wills that are entirely in the testator’s handwriting, signed, and dated, even without witnesses. Additionally, Michigan offers a statutory will template that residents can complete as a legally valid option.

Q: Does Michigan have estate or inheritance taxes?

A: No, Michigan does not impose state-level estate taxes or inheritance taxes. This means assets passing to heirs are not subject to additional taxation at the state level beyond any federal estate tax that might apply to very large estates. The federal estate tax only affects estates worth more than $12.92 million per individual (as of 2023), so most Michigan residents won’t need to worry about estate taxes at all.

Q: What is a Michigan Statutory Will?

A: The Michigan Statutory Will is a fill-in-the-blank will template created by the Michigan legislature. Found in Michigan Compiled Laws §700.2519, this template allows residents to create a legally valid will by simply completing the form and having it signed by themselves and two witnesses. While it doesn’t offer customization for complex situations, it’s an accessible option for straightforward estates and ensures compliance with Michigan law. It covers basic provisions like naming an executor, guardians for minor children, and directing the distribution of property.

Q: What is a Lady Bird Deed in Michigan?

A: A Lady Bird Deed (also called an enhanced life estate deed) is a special type of deed that allows property owners in Michigan to transfer real estate to beneficiaries upon their death while retaining complete control during their lifetime. Unlike traditional life estate deeds, Lady Bird Deeds allow the owner to sell, mortgage, or otherwise use the property without beneficiary consent. These deeds function similarly to transfer-on-death deeds (which Michigan doesn’t recognize) and help avoid probate for real estate while potentially preserving Medicaid eligibility.

Q: Can I avoid probate with a small estate in Michigan?

A: Yes, Michigan offers simplified probate procedures for small estates. If the gross value of the estate after paying final expenses totals $15,000 or less, the probate court can order estate property transferred directly to a surviving spouse or lawful heirs through a streamlined process. Similarly, if an estate inventory shows no assets exceeding lawful exemptions (like homestead allowance, family allowance, and final illness expenses), the personal representative can distribute assets directly to beneficiaries without full probate administration.

Q: How are surviving spouses protected under Michigan law?

A: Michigan provides strong protections for surviving spouses. If a decedent leaves a will, the spouse can either accept what’s provided in the will or elect to take a statutory share equal to one-half of what they would have received under intestacy (reduced by half the value of non-probate assets they received). If there’s no will, the spouse receives the entire estate if the decedent had no descendants or parents. Otherwise, they receive $100,000-$150,000 plus a percentage (1/2 to 3/4) of the remaining estate, depending on whose descendants are involved.

Q: What happens if I marry after making my will in Michigan?

A: If you marry after executing a will in Michigan, your new spouse may receive a share of your estate as if you had died without a will (an intestate share), unless your will specifically contemplated the marriage. This means your spouse could receive a significant portion of your estate regardless of what your will states. To avoid unintended consequences, it’s important to update your estate planning documents after marriage to ensure they reflect your current wishes.

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