What is per stirpes?
Per stirpes divides an estate by branches of the family so a deceased heir’s children step in.
Why it matters
It keeps a share in the family line if a child predeceases you.
Common confusion
Per stirpes follows family branches; per capita splits among living individuals.
Frequently Asked Questions
Example of per stirpes?
If a child dies first, their children inherit that child’s share.
Is it the default?
Often, but a will can choose per capita instead.
Why use it?
To represent a deceased beneficiary through their children.