Life Insurance

What Is a Pour-Over Will?

Ethos Life | Jul 1, 2025
Pour-Over Will

A pour-over will directs any remaining assets into your living trust after death. It acts as a safety net for anything you did not formally transfer to the trust during your lifetime. This ensures your estate flows through one central structure—your trust—so everything passes according to its terms.

How a Pour-Over Will Works

A pour-over will and trust work with a revocable living trust. When you die, your executor gathers any assets still in your name. The will then directs those assets into your trust. From there, your trustee takes over and manages everything under the rules you set in the trust.

The will itself does not avoid probate. Any assets it catches must pass through probate before your trustee can manage them. But it keeps your estate plan consistent, ensures no loose assets fall through the cracks, and honors the instructions in your trust.

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Why Use a Pour-Over Will in Estate Planning?

A pour-over will:

  • Catches assets left outside the trust
  • Redirects those assets into the trust
  • Keeps your plan organized
  • Reduces the risk of beneficiary disputes
  • Adds a layer of protection if you forget to transfer assets during life

It helps cover oversights without derailing your estate plan.

Limitations of a Pour-Over Will

While helpful, a pour-over will has limits:

  • It does not skip probate for non-trust assets
  • It may delay access to assets while probate proceeds
  • It still requires careful coordination with your trust
  • It does not cover assets with named beneficiaries (like life insurance or retirement accounts)

You’ll still need to move as many assets as possible into the trust before death to minimize probate.

How to Set Up a Pour-Over Will

To create a pour-over will, follow these steps:

  1. Set up a revocable living trust
  2. Draft a pour-over will with a clause transferring all remaining assets into the trust
  3. Sign both documents under state law
  4. Keep both documents updated as your life or assets change
  5. Let your executor and trustee know where to find your estate plan

Related Terms to Know

  • Living Trust – Holds your assets and directs how to manage them during life and after death
  • Executor – Handles your will and probate
  • Trustee – Manages trust property
  • Beneficiary – Receives trust or estate property
  • Probate – Court process that validates wills and settles estates
  • Estate Tax – Tax imposed on estates over a certain value threshold
  • Revocable Trust – A trust you can amend or revoke during your lifetime
  • Irrevocable Trust – A trust that cannot be changed once finalized

FAQs

What is the main purpose of a pour-over will?

  • Transfers leftover assets into your living trust
  • Protects items not moved into the trust before death
  • Ensures your trust terms govern your full estate

Does a pour-over will avoid probate?

  • No, it does not avoid probate
  • Assets must go through probate before moving to the trust
  • It can simplify probate and keep your estate plan consistent

Do I still need a trust if I have a pour-over will?

  • Yes, the pour-over will only work if a trust exists
  • Without a trust, the pour-over clause has no destination
  • The trust handles long-term asset management after probate

Can I write a pour-over will myself?

  • Possible, but not recommended
  • Legal mistakes can cause delays or rejection in court

What is the role of an executor in a pour-over will?

  • Locates assets still in your name
  • Pays debts and taxes
  • Moves the remaining property into the trust
  • Coordinate with your trustee to follow your plan

Disclaimer: The information and content provided is for informational purposes only, and it is not to be considered legal, tax, investment, or financial advice, recommendation, or endorsement. You should consult with an attorney or other professional to determine what may be best for your individual needs.

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