Prenuptial Agreements in Illinois

September 30, 2025

When couples prepare for marriage, discussions about finances and future plans often take a backseat to more romantic considerations. However, creating a prenuptial agreement (or “prenup”) can be a practical and forward-thinking way to protect both parties’ interests.

 

Prenuptial agreements play a specific role in Illinois divorces, primarily addressing financial matters and property division. They are limited in what they can and cannot contain or govern/

What is a Prenuptial Agreement in Illinois?

A prenuptial agreement is a legally binding contract created before marriage that outlines how certain matters will be handled in the event of divorce or death. Common issues addressed in a prenup include:

 

  • Division of property and assets
  • Allocation of debts
  • Spousal maintenance (alimony)
  • Listing Pre-Marital Assets, such as retirement account balances and inheritances

 

Elements of a Valid Prenuptial Agreement in Illinois

 

While prenups provide clarity and protection, they must meet specific requirements under Illinois law to be enforceable. A valid prenuptial agreement must be in writing and signed freely by both parties.  For a prenuptial agreement to be valid, both parties must fully disclose their financial situations before signing. This includes sharing documents related to:

 

  • Income
  • Assets, including bank accounts, real estate, and investments
  • Debts, such as loans or credit card balances

 

Failure to provide accurate and complete information can render the agreement invalid. This exchange ensures that both parties enter into the agreement with full knowledge of each other’s financial circumstances. This is because the other party cannot give up an asset that is hidden from them

 

What Prenups Cannot Do in Illinois

 

While prenuptial agreements are versatile tools, there are certain matters they cannot govern. Most notably:

 

  • Parenting Plans and Child Support: In Illinois, prenups cannot dictate how parenting time or decision-making responsibilities will be allocated in the event of a divorce. Courts decide these matters based on the child’s best interests at the time of the divorce.
  • Illegal or Unreasonable Provisions: Prenups cannot include clauses that are illegal or against public policy, such as requiring one spouse to stay married or limiting child visitation rights.

 

Division of Property and Maintenance in  an Illinois Prenuptial Agreement

 

One of the key purposes of a prenuptial agreement is to outline how property and assets will be divided in the event of a divorce. For example:

  • Certain assets, like a family heirloom or a business, can be designated as separate property.
  • The agreement can specify how marital property will be divided.
  • Another important aspect of a prenup is the potential inclusion of a maintenance waiver, which is a clause stating that one spouse will not seek spousal support in the event of a divorce.

 

However, Illinois courts may not enforce a maintenance waiver if enforcing it would lead to an unjust outcome. For instance:

 

  1. If enforcing the waiver would leave one spouse in financial hardship.
  2. If there is a significant disparity in income or assets that was unforeseen when the agreement was made.
  3. Courts have the discretion to override maintenance waivers in the interest of fairness.

When is a Prenuptial Agreement a Good Idea?

 

Prenuptial agreements are particularly beneficial in the following situations:

 

  • Protecting Premarital Assets: If one or both parties have significant assets they wish to keep separate, a prenup can help clarify ownership.
  • Business Ownership: Entrepreneurs can use prenups to protect their business interests.
  • Debt Protection: A prenup can outline which spouse is responsible for specific debts, preventing liability for the other party’s financial obligations.
  • Blended Families: Couples with children from previous relationships can use a prenup to safeguard inheritance plans.
  • Enforceability of Prenuptial Agreements

 

To ensure a prenuptial agreement is enforceable in Illinois, it must meet the following criteria:

 

  1. Voluntary Signing: Both parties must sign the agreement voluntarily, without coercion or pressure.
  2. Full Disclosure: Each party must disclose their financial situation accurately and completely.
  3. Fairness: The agreement must not be unconscionable at the time it is created or at the time it is enforced.

 

If these requirements are not met, the court may invalidate all or part of the agreement.

 

Final Thoughts

A well-drafted prenuptial agreement can provide peace of mind and prevent disputes in the event of a divorce. However, it’s important to understand its limitations, including its inability to dictate parenting plans and the potential for maintenance waivers to be disregarded.

 

If you’re considering a prenuptial agreement in Illinois or have questions about enforcing one during a divorce, contact me. Let’s discuss your unique situation and ensure your interests are protected with a carefully crafted agreement. With over 20 years of experience, I can guide you through this process with confidence and clarity.

 

Disclaimer: This blog post is for informational purposes only and does not constitute legal advice. It is essential to consult with an attorney to discuss your specific situation and legal options.