Millioner af kroner lander i de forkerte hænder – derfor får mange ikke oprettet testamente

Udgivet i af

Hvert år går tusindvis af danskere bort, og hver gang der sker et dødsfald, sker der ligeledes opgørelse af arven og fordeling til arvingerne.

Det er dog kun ca. 19% af danskerne, der har fået oprettet et testamente, og som derved udtrykkeligt har tilkendegivet, hvordan arven ønskes fordelt, når de går bort. Derfor ryger der årligt flere millioner kroner i hænderne på de forkerte personer.

En undersøgelse foretaget af Analyse Danmark i 2018 konkluderer, at selvom kun 19% af danskerne rent faktisk når at oprette testamente – så er det reelt 54% af danskerne, der ønsker at oprette testamente, inden de går bort. Man kan derfor spørge sig selv, hvorfor der er denne store forskel i, hvor mange der ønsker et testamente, kontra hvor mange der rent faktisk får testamentet oprettet i tide.

De mest almindelige grunde til at folk ikke får oprettet testamente:

1) Det er besværligt
De klart oftest forekommende grunde til, at danskerne ikke får oprettet testamentet, er, at det kan synes som en stor opgave at skulle sætte sig ind i, hvordan egne arveforhold er, og herefter at skulle tage kontakt til en advokat. Mange opgiver allerede ved tanken om, hvor besværlig, de tror processen er.

2) Det er dyrt
Flere opgiver at oprette testamente, fordi de ikke kan få et entydigt svar på, hvad der koster at oprette testamente. Ofte bliver prisen angivet i cirkatal eller med prisintervaller, og derfor er det ikke til at vide, hvad prisen bliver på netop ens eget testamente. Hos de advokatkontorer, der har faste testamentepriser, starter prisen ofte ved 3.500-4.000 kr. – og opefter. Hos de advokater, der kører med timebetaling, afhænger prisen selvsagt af, hvor meget arbejde, advokaten skal lave i forbindelse med testamentet, samt hvor mange møder der evt. skal holdes. (Se priser hos de forskellige udbydere her)

3) Misforståelser af arvelovgivningen
Rigtig mange danskere undlader at tænke over testamentet, fordi de simpelthen er uvidende om, hvilken forskel det gør for dem. Mange ægtefælle tror f.eks., at fordi de er gift, så er de også bedst muligt sikret ved hinandens død. Dette er dog en udbredt misforståelse, da ægtefæller kun arver 50% efter hinanden – dette kan øges til 87,5%. Mange ægtefæller fortæller, at de jo “bare skal sidde i uskiftet bo efter hinanden”. Dette er en meget farlig tankegang at indrette sig efter, da uskiftet bo bestemt ikke er uden ulemper – her stiller testamentet jer meget bedre.
Desuden arver ugifte samlevende intet efter hinanden, uanset hvor længe de har boet sammen, eller om de har børn sammen – det er der mange ugifte samlevende, der ikke er klar over.

Sådan nemt er det blevet at oprette testamente:

Der er i de seneste år dukket en række virksomheder op, som for alvor har ydet konkurrence til den etablerede advokatbranche indenfor området “testamenteskrivning”.

Du kan således i dag oprette dit testamente både online eller via telefon, og nogle udbydere udarbejder endda testamentet fra bunden indenfor 24 timer. Du får ofte gratis rådgivning – og så er vi faktisk ud over de 3 barrierer, der holder danskere tilbage ift. oprettelse af testamente. Én af de virksomheder, som er stormet frem de seneste år, er f.eks. testamente-virksomheden Arvesikring.dk

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