Will.com / Living trust / Delaware

DE · Revocable Living Trust

Make your Delaware living trust.

Skip probate, keep your estate private, and stay in control while you're alive. Legally valid in Delaware. Free to create, or add secure online document storage with the $29/year subscription.

Delaware living trust requirements

Witnesses required1 witnesses
Notarization1 disinterested witness OR 2 credible witnesses

Special notes for Delaware

  • Delaware sets the witness rule as '1 disinterested or 2 credible persons,' not notary-plus-witness (12 Del. C. § 3545). Notarization is not required by the trust statute (though strongly recommended for real-property funding and for the §§ 901-908 elective-share spousal-waiver clause if applicable).
  • The notary who acknowledges the trustor's signature may also serve as the disinterested or credible witness; the two roles need not be separated.
  • Electronic execution changes the medium, not the formalities. Delaware permits a governing instrument or other document described in the trust-witnessing statute, other than a will or codicil, to be executed under the Uniform Electronic Transactions Act, but only 'if otherwise validly executed' (12 Del. C. § 3550(a)(1), referring to § 3545 and to Chapter 12A of Title 6). The disinterested-witness or 2-credible-witness requirement still applies, and there is no electronic route for a will or codicil.
  • Delaware is a leading asset-protection-trust jurisdiction. The Qualified Dispositions in Trust Act permits a settlor to transfer assets to an irrevocable Delaware trust with a qualified Delaware trustee, retaining limited interests (income, special power of appointment, trustee-removal right), shielding the principal from most creditors subject to statutory limits: a creditor whose claim arose concurrent with or after the qualified disposition must bring an avoidance action within 4 years of the disposition and must prove actual intent to defraud, while a creditor whose claim pre-dated the disposition gets the Title 6 fraudulent-transfer limitations period. The creditor bears a clear-and-convincing burden and the Court of Chancery has exclusive jurisdiction. A creditor's rights against a qualified disposition are limited to those the statute provides (12 Del. C. §§ 3570-3576; the operative sections are §§ 3572, 3573 and 3574). This Delaware-specific regime is distinct from a standard revocable living trust.
  • The asset-protection limits do not reach every creditor. A spouse, former spouse or child owed support or alimony under an agreement or court order, a spouse or former spouse owed a division of property incident to a separation or divorce, and a person whose death, personal injury or property damage was caused by the transferor on or before the disposition are all outside the protection, each to the extent of that debt or claim (12 Del. C. § 3573(a)). The support and property-division carve-out does not itself extend to a claim for forced heirship, legitime or elective share (12 Del. C. § 3573(b)). The protection applies against the transferor's own spouse only where the spouse gave written consent before the disposition, after being given the trust instrument, a list and reasonable valuation of the property, a copy of the Act, and the capital-letters warning the statute prescribes, signed by the spouse and witnessed by someone unrelated to the transferor (12 Del. C. § 3573(c)).

How it works

  1. 1

    Answer a few questions

    About your assets, trustees, and beneficiaries.

  2. 2

    Download your trust

    A complete, personalized revocable living trust, formatted for Delaware.

  3. 3

    Sign and fund

    Sign with 1 disinterested witness OR 2 credible witnesses. Fund the trust by transferring assets into its name.

Joint or individual

Married couples can make one joint Delaware living trust that both spouses sign, in place of an individual one. The questionnaire asks which you want, and Will.com generates either.

Signing a Delaware living trust

A trust provision under which someone other than the trustor acquires or is divested of an interest whose enjoyment is contingent on surviving the trustor is void unless it is in a writing executed by the trustor and witnessed in writing in the trustor's presence by at least 1 disinterested person or 2 credible persons, or in a writing executed by a trustee who is a disinterested person (12 Del. C. § 3545(a)). A disinterested person is one with no beneficial interest in the trust that the change would materially increase or decrease. A notary public or similar official may serve as the witness, whether signing as a witness or solely in a notarial capacity.

Proving your Delaware trust without handing it over

When a bank, brokerage, title company, insurer, or transfer agent asks to see your trust, Delaware law lets your trustee give them a short certification of trust instead (12 Del. C. §3591). It states that the trust exists, who the trustee is, and what the trustee may do. It leaves out who inherits and what each person receives, so your beneficiaries stay private.

Will.com generates the Delaware Certification of Trust alongside your trust, built to the contents that section requires. Sign it in front of the same notary, at the same sitting as the trust, then give out copies of the certification rather than the trust itself.

Tenancy by the entirety

Delaware recognizes tenancy by the entirety. It's a form of co-ownership available only to married couples. Neither spouse can convey or encumber the property acting alone, and at the first death it passes to the surviving spouse by survivorship, outside probate. Whether it also puts the property beyond the reach of a creditor of one spouse alone is a separate question the states answer differently, so confirm what the tenancy does in Delaware before relying on it as creditor protection. When you transfer such property into a revocable trust, you may lose whatever entireties protection it carries unless your trust is drafted to preserve it.

Funding Delaware real estate into the trust

To transfer Delaware real estate into your trust, you sign a new deed conveying the property from yourself to yourself as trustee, then record the deed with the Recorder of Deeds of the county where the property is located. The trust does not control real estate unless the deed transfer is recorded.

Two tiers, both private

Free: nothing leaves your browser. No account, no storage. Clear your answers whenever.

Subscription ($29/year): zero-knowledge encrypted storage. We store the ciphertext; only you hold the key. Edit and update as life changes.

Ready to create your trust?

Whatever you decide today, your family won’t have to guess. Start free, or save it to your account for $29 a year.

Also for Delaware