Heirloom Life
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Having or adopting a child

A new child changes both who you may want to provide for and who may need to care for them. Your estate plan should reflect the whole family and include suitable backup arrangements.

A new child — a new chapter in life

The legal position

The birth or adoption of a child does not revoke a Will. Whether the child benefits depends on the Will’s language and succession law. Naming a preferred guardian records an important testamentary choice, but it does not displace the court’s overriding responsibility for the child’s best interests.

What may need attention

01

Guardianship wishes

A Will can record who you wish to act as guardian, but suitability and the child’s best interests remain important. Name alternatives where appropriate.

02

How children receive gifts

Consider whether children are covered as a class, what happens for future children, and who manages property for a child before they reach the chosen age.

03

Financial protection

Review life insurance and superannuation nominations alongside the Will, particularly if household income or care responsibilities changed.

When professional advice matters

Seek advice for blended families, children with disability or additional needs, informal care arrangements, overseas guardians, trusts or significant concerns about future claims.

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Useful official information

Australian Taxation Office: Superannuation death benefits ↗

General information only, not legal, financial, tax or medical advice. The effect of a life event depends on your jurisdiction, documents and circumstances.