Why Every Single Parent Needs a Will – and What You Need to Know

Sep 9
3 min read

PUBLISHED: 9 September 2025 | 3 MINUTE READ

Here’s a sobering reality: more than 85% of South Africans don’t have a will. Even more worrying, five out of six estates registered at the Master of the High Court in Pretoria can’t even be executed because they’re not legally compliant.

For single parents, this gap has heartbreaking consequences. The Financial Services Sector Conduct Authority (FSSCA) reports that around 5 million single mothers are not leaving guardianship instructions for their children. Add to that the fact that over 60% of children born in South Africa don’t have a father listed on their birth certificate, and it’s clear: too many children risk being left vulnerable if their parent passes away without a plan.

And it’s not just about kids. With 8.7 million homeowners and 5.4 million car owners not having proper estate instructions, many families could face long, messy legal battles instead of clarity and protection.

Stian de Witt, CFP® and Executive Head of Financial Planning at NMG Benefits, puts it plainly:

“If someone dies intestate (without a valid will), their estate is wound up by the State. It’s often slow, complicated, and the outcomes may not reflect the deceased’s wishes – especially if minor children are involved. Children may not be financially protected, or someone you didn’t choose may end up being responsible for their care.”

That’s why every single parent should have a will in place. Here are five essentials you need to know.

1. Drawing up a will is simpler than you think

You need to be of sound mind, over 16, and sign your will in the presence of two witnesses who aren’t beneficiaries. Platforms like NMG Benefits even offer a free online tool where you can create, update, and safely store your will.

2. Update your will regularly

Life changes fast—marriage, new babies, divorce, or even losing a loved one can make an old will outdated. Review it often to make sure it reflects your current reality.

3. Choose your executor wisely

Your executor is the person who makes sure your debts are settled and your assets are passed on. Pick someone you trust who can handle the process. If you don’t, the Master of the High Court will appoint one for you—and it may not be the person you would have chosen.

4. Create a trust for minor children

If your children are under 18 and you don’t have a will, their inheritance will likely be managed by the state’s Guardian’s Fund. Instead, you can set up a testamentary trust in your will. This allows a trustee you choose to manage the money until your children are old enough to handle it responsibly. As de Witt notes:

“We always advise our clients to work with legal professionals to ensure this aspect is watertight.”

5. Communicate your wishes

Your will is only useful if people know about it. Let your family know where it’s stored and talk openly about your intentions. As de Witt reminds us:

“A will is there to make life easier for the loved ones left behind.”

Beyond the will: estate planning matters too

A will is one piece of the puzzle. True estate planning looks at the bigger picture—things like pension funds, life insurance policies, and investments. Some of these have their own nominated beneficiaries, which override your will if they’re outdated. That means if you don’t update your paperwork after major life changes, your benefits could end up going to the wrong person.

The bottom line for single parents

Drafting a will might feel like a heavy task, but it’s one of the most empowering steps you can take for your children. It’s your safeguard, ensuring they are cared for, financially protected, and guided by the people you trust most.

As de Witt says:

“Your will is a safeguard for your children’s future and a way of protecting the legacy you are working so hard to build. Working with a Certified Financial Planner® will help ensure your wishes are carried out after you pass away.”

Mama, you’re already juggling so much. Take this step now—it’s not just about paperwork, it’s about peace of mind.