How to Choose a Guardian for Your Young Children

As parents, you provide everything your children need. Don't neglect their care if you are incapacitated or die before they turn 18. Carefully select a guardian and ensure your children are cared for by someone you know and trust.

Considerations when selecting a guardian

1. Consider everyone. Start the selection process with a list of candidates. Close and extended family members are obvious choices, but also consider friends, coworkers, neighbors, child care providers and teachers.
2. Consider philosophies and values. Because guardians raise your children in your place, they should share your child-rearing and educational philosophies and values, and ideally your moral and religious beliefs.
3. Don't prioritize income or assets. A potential guardian's financial holdings shouldn't be the main focus. With adequate life insurance and sensible money management, your children can be cared for properly.
4. Age matters. While many grandparents successfully raise grandchildren, consider whether an older person on your short-list is physically able and willing to parent until your children are adults.
5. Look at family dynamics. If guardians already have children, think about age compatibility, relationships between the children, and whether adding more kids would enrich the household or cause stress.
6. Choose good, not perfect, guardians. No one is perfect, but you can make a thoughtful, sensible choice for your children's care.
7. Place your wishes in writing. Add your guardianship preference to your legal will and write down why you selected that person. A clear statement of your wishes helps if a custody decision is ever contested.

You owe it to your kids to choose guardians for them. Thoughtfully make the decision, communicate it with the chosen person, and then confidently record your choice in your estate documents.

Related information on planning and care can be found at Protecting What Matters Most: Children Shelters Insurance, Timely Planning for Long-Term Care and Estate Matters, and Protecting Children: Dental Health, Guardianship, Caregiving, Financial Education, and Life Insurance.

If you want help selecting a guardian or reviewing options, talk to an agent.

Frequently Asked Questions

How do I name a legal guardian for my child?

Name your chosen guardian in your will and include a clear statement of your wishes; requirements vary by jurisdiction so follow local procedural rules when executing documents.

Can I name more than one guardian?

Yes. Many parents name a primary guardian and one or more backups in case the primary is unable or unwilling to serve.

What if family members disagree with my choice?

Your written designation of a guardian carries weight with courts, but disagreements can occur; a clear explanation of your decision and supporting documentation can help.

How often should I review my guardian choice?

Review your selection after major life changes such as moves, births, deaths, or changes in health, and update your documents as needed.