Writing a Letter of Last Instruction
When it comes to planning for the future, one of the most thoughtful gifts you can give your loved ones is a clear set of last instructions. These instructions can provide guidance and peace of mind during an emotionally challenging time.
A Letter of Last Instruction ("LOLI") is a document that provides additional information and instructions to your loved ones, Health Care Agent(s), Durable General Power of Attorney Agent(s), Executor(s), and Trustee(s), to be read and used in the time leading up to and after your death. LOLIs are not legally binding documents (as compared to Wills, Trusts, Health Care Powers of Attorney, Advance Directives/Living Wills, and Durable General Powers of Attorney), but they can be invaluable for those making final decisions for you and ensuring they carry out your wishes.
Beyond sharing logistics and practicalities, writing a LOLI is an opportunity to share your thoughts and wishes, honoring your life and the impact you've made on those around you.
Keep reading to learn about the types of information to include in your LOLI as well as a sample letter to help you get started.
A LOLI typically includes:
Personal Information: Details such as your full name, date of birth, Social Security number, and other identifying information.
Contact Information: Names and contact details of key individuals, such as your Attorney, Financial advisor, and Executor. You may also include names and contact details of individuals or organizations you want notified of your death.
Funeral Arrangements: Your preferences for funeral or memorial services, burial or cremation, and any pre-paid arrangements.
Financial Information: A list of your bank accounts, investment accounts, insurance policies, and other financial assets, along with account numbers and contact information for institutions.
Debts and Liabilities: Information about any outstanding debts, including mortgages, loans, and credit card accounts.
Location of Important Documents: Where to find your will, birth certificate, marriage certificate, property deeds, and other important documents.
Digital Assets: Information about your online accounts, including email, social media, and other digital assets, along with login credentials.
Personal Messages: Any personal messages or instructions you wish to leave for your loved ones.
While a LOLI cannot substitute for a Health Care POA, Advance Directive/Living Will, Durable General POA, Will, or Trust, it can complement your will by providing practical information and guidance to help your friends and family make decisions and manage your affairs more smoothly.
Make sure to revisit and update this letter whenever significant changes occur in your life. Providing a LOLI is a small step that can make a big difference for your loved ones during a difficult time. Take the time today to create your lasting legacy of love and clarity.
Click here to download a sample Letter of Last Instruction.
Disclaimer: this article was written by Attorney Heather Hazelwood of Hazelwood Law PLLC dba Ampersand Law. This article does not contain legal advice and is not a substitute for obtaining legal counsel. It is offered for general information purposes only.