Most Singaporeans believe a will takes care of all they leave behind. But your CPF savings and your insurance payouts are passed on under entirely separate rules — and a will doesn't touch them. Let's make sure nothing falls through the cracks.
First things first
If you pass on without a will, the law decides who receives your estate — not you. A clear, valid will spares your loved ones uncertainty, delay, and disagreement during the hardest of times.
Decide clearly who inherits your property, bank savings and investments — in the proportions you choose.
Name a guardian you trust to care for young children, rather than leaving it to the courts to decide.
A valid will is the foundation. It's quicker to act on, and it removes guesswork for the people you love.
For the will itself, we connect you with a trusted professional will-writing service that handles the legal drafting and safekeeping. We focus on the bigger picture — making sure your will, your CPF and your insurance all work together.
The part most people miss
Here's what surprises almost everyone: two of your largest assets aren't governed by your will at all. They each need their own instruction. Miss one, and the people you intended may not receive what you meant for them.
"I've made a will, so I'm sorted." It's the most common — and most costly — misunderstanding in estate planning.
of Singaporeans don't have a will at all
Industry survey, 2022
how long unnominated CPF can take to reach family — plus an administrative fee
CPF Board / Public Trustee's Office
of your CPF or trust-nominated insurance is governed by your will
Insurance Act & CPF nomination rules
The patterns we see
Three situations we come across often. Each one was avoidable with a short conversation.
A father in his forties had a proper will drawn up when his second child arrived. He assumed it covered his CPF — by then almost six figures. It didn't. With no CPF nomination, the money went to the Public Trustee, and his family waited months to receive it.
Years ago, she nominated her parents as the beneficiaries of her insurance policy. Then she married and had a child — and never updated it. When the policy paid out, it went exactly where she'd once said, but not to the family she'd built.
Single, supporting ageing parents, he kept meaning to "sort it out one day." With no will and no nominations, the law decided how everything was divided. It was orderly — but it wasn't what he would have chosen.
These are illustrative composites, not real clients — but the situations behind them are everyday ones.
Who this is for
Which is to say — almost every working Singaporean. These moments are when it matters most.
You want certainty that your children are provided for, no matter what.
A home is most families' largest asset — and the source of the most disputes.
Supporting both children and ageing parents — your plan needs to hold everyone.
CPF builds up quietly over decades. Few people have told it where to go.
Your next step
A relaxed, no-obligation conversation to map out your will, CPF and insurance nominations — and spot any gaps. No jargon, no pressure. Just clarity.
Your request has come through. We'll reach out within one working day to arrange your complimentary legacy review.