With roughly three out of four people dying in debt, the question of who must pay for those unpaid sums becomes a very real one for the next of kin. 

The easiest way to disinherit a spouse is through a prenuptial or postnuptial agreement. This legally binding document serves as an agreement between two parties about the division of property and the exclusion of one person from a will. Contractually, the spouse set to be disinherited should agree to the terms and sign for it to be legally binding.