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If you have not yet created a last will and testament that addresses how you want your estate assets to be distributed after you die, it’s a good time today as any to put one in place.

I get it. No one really likes to ponder their own mortality and this is probably a big part of why a majority of Canadian adults do not have a will.

Another reason for the lackluster statistics when it comes to writing wills could be the perceived difficulties of the process and expensive lawyer (legal) fees.

This is where a company like Willful comes into play. They simplify the will-making process so that you can create a will from the comfort of your home and at a reasonable cost.

If you are skeptical about online wills and whether they are legally binding in Canada, you can rest easy.

The will you create online using Willful is totally legit even if it costs you several hundred dollars less than what a lawyer will charge you.

Read this Willful review to learn about how to create a legal will in less than 20 minutes and for less than $100, plus take advantage of our special $20 discount when you enter the promo code SAVVY20.

willful wills - cheap online will kit canada

What is Willful?

Willful is a fintech company that offers legal online wills in Canada. The company was founded in 2017 by Kevin Oulds and is based in Toronto.

Willful’s online will templates are put together by lawyers who have decades of Estate Law experience backing them up.

From only operating in Ontario, Willful has grown and now offers its services in several provinces including Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, and British Columbia.

What is a Will?

A will is a legal document that expresses your final wishes and how you want your property to be disposed of.

Also referred to as your “last will and testament,” a will gives you control over how your estate is disbursed instead of leaving it to the discretion of your beneficiaries or of the state.

If you die without a will, you are said to have died “intestate” and your estate has to go through probate and be distributed according to provincial laws.

The different types of wills you can utilize are:

A. Attested Will: This is also referred to as a “formal” will and is the most common type of will. An attested will must be signed by you (the testator) in front of two witnesses. A Willful will is an attested or formal will.

B. Notarial Will: This is a will similar to an attested will and is available only in Quebec. It is signed by you, the notary, and one witness.

C. Holographic Will: This is a will written by hand and dated and signed by you. No witnesses are required which may leave the will open to legal challenges.

How Much Does a Will Cost in Canada?

From store-sold will kits costing a couple of bucks to up to a thousand dollars or more when you use a lawyer, the cost of a will can vary across Canada.

When you create a will using Willful, you can save anywhere from $200 to $850 in fees compared to visiting a lawyer.

Willful offers three plans.

Willful wills pricing

1. The Essentials Plan ($99)

This plan covers what you need to prepare your last will and testament. You decide how your assets are distributed among your beneficiaries, name your executor, and choose guardians for your kids.

All Willful plans allow for unlimited changes.

2. Premium Plan ($149)

In addition to the options available in the essential plan, you can choose a power of attorney for your finances and property, and plan for medical emergencies.

The premium plan includes your:

  • Last will and testament
  • Power of attorney for emergency (finance and property)
  • Healthcare emergency representatives and wishes

3. Couples Plan ($249)

The couples plan is basically a premium plan for two individuals. If you and your spouse have similar beneficiaries, you save $50 compared to choosing two premium plans.

You and your spouse can complete a mirrored plan and create separate documents for each person including:

  • Last will and testament x 2
  • Powers of attorney for an emergency (finance and property) x 2
  • Healthcare emergency representatives and wishes x 2

While the pricing is already competitive as is, Willful is offering my readers an extra $20 off using the promo code SAVVY20.

How To Create a Legal Will With Willful

Willful is set up to eliminate the stress that often comes with writing a will. 

Although there is no rush for you to complete the process in one sitting, Willful actually makes it possible to create your legal will online in 15-20 minutes.

To get started:

  • Visit Willful here and click on the “Start for Free” button.
  • Enter your basic information and choose a plan that meets your needs.
  • Complete your last will and testament, identify your beneficiaries, executor, and guardians for your children.
  • Depending on your plan, you can also make arrangements for medical emergencies and choose your Power of Attorney.
  • If you are married or in a common-law relationship, you and your spouse (or partner) can use the same account and mirror your wishes.
  • Print and sign your will before storing it securely.
  • Your Willful account allows unlimited free changes to your will.

Willful (Online Wills) vs. Lawyer vs. Will Kits

Online wills like Willful and Legalwills offer a middle point between using basic will kits you can purchase anywhere and visiting a lawyer.

DIY will kits or the ones you purchase off the shelf are often very generic and do not take specific provincial legislation into consideration. Since you are left to figure out things on your own, there is a high chance for errors which may render the entire will invalid.

Online wills are affordable and provide guidance on the necessary steps required to create a legal will. You can reach out to customer support online or by phone, and it is very convenient. Also, they allow you to make unlimited updates if your situation changes in the future.

If your estate is complex, sitting down with a lawyer may be preferable. Although it will cost you a lot more, it can save your beneficiaries a lot of stress when you pass. An example of a complex estate is when you own assets abroad or have complex trust arrangements.

Is Willful Safe?

When you store your private information online, you want to be sure that:

  1. The company holding your data is legitimate.
  2. Your data is secure.

Willful uses AES-256 encryption to protect your data. They also note in their terms of service that your information is used in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA).

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Conclusion and Willful Promo Code

Creating a will is important and ensures you have the last word.

Similar to how you budget and plan your finances on a daily, monthly and annual basis, a well-written will is a crucial part of your overall financial planning and strategy.

Willful makes it easy to create your will in 20 minutes or less.

For even further savings on their low fees, use the Willful discount promo code SAVVY20 to save an extra $20.

Create a Will Online here.

Willful Review


Willful makes it easy to create a legal will online in Canada for cheap. This Willful review comes with a $15 discount promo code and covers what you need to know about writing your last will and testament.