Think Your Will Is Settled? THINK AGAIN

Think Your Will Is Settled? THINK AGAIN

Many Singaporeans assume that once they’ve written a will, their family’s future is secure. But the truth is — life changes, and your will needs to keep up. If you fail to update it, your assets could end up in the wrong hands, and your loved ones might face frustrating legal complications and emotional turmoil.

 

Why You Should Stop Thinking “My Will is Done”


One such case covered in The Straits Times involved three siblings who ended up in court battling over their late mother’s HDB flat.


This isn’t a one-off. According to the Ministry of Law, only around 20% of Singaporeans have a valid will in place. If you pass away without a will, your assets will be distributed according to the Intestate Succession Act, which may not reflect your personal intentions.


Don’t wait until someone fights over your BTO or resale HDB flat to realise your will needs updating.


The Hidden Danger of an Outdated Will


You might have written your will years ago — before getting married, before having children, or before buying your property. But what happens when your life situation changes?


Ask yourself:

  • Did you write your will before getting married or divorced?
  • Did you name a legal guardian for your children — and are those details still valid?
  • Are family relationships or dynamics different now?

If your answer to any of these is yes, then your will might be dangerously outdated.


Your family could be left unprotected. Worse, your assets might go to someone you no longer trust or have ties with.


Estate Planning in Singapore: The Smart Move


Estate planning in Singapore involves more than scribbling down names and assets. 


It’s a comprehensive, evolving process that reflects your current life situation. Key moments when you should review your will include:

  • Marriage, divorce, or remarriage
  • Birth of children or grandchildren
  • Buying or selling a property
  • Changes in financial status or investment holdings

Failing to update your will can delay probate, trigger family conflict, or lead to misallocation of assets — even if you thought “I already settled everything.”


The 5-Step Checklist to Keep Your Will Updated


Here’s a quick checklist to help you stay ahead:

  1. Review your will every 3 years or after major life events.
  2. Name your child’s legal guardian clearly, including full names and NRIC numbers.
  3. Update your asset list, especially if you’ve bought new properties, policies, or investments.
  4. Nominate your CPF beneficiaries separately via the CPF Board (not covered in your will).
  5. Talk to your family about your plans. It might feel uncomfortable, but it prevents surprises and disputes later.

Final Thought: Don’t Leave Your Family’s Future to Chance


We buy insurance for our homes, cars — even our phones. But many still procrastinate on updating their will or doing proper estate planning in Singapore because they think it’s “too early” or “too mafan”.


But the risk? A messy legal battle. Delayed inheritance. Or worse, your children being left in the care of someone you never intended.


Think beyond “I already have a will.”

Make it a habit to review and update it regularly — especially when your life changes.


Need Help with Will Writing in Singapore?


If you’re unsure where to begin, or want peace of mind knowing your legacy is protected — speak to professionals like Sure Will One. They make will writing in Singapore and estate planning in Singapore simple, stress-free, and tailored to your needs.


Plan now. Protect later. Your family’s future depends on it.

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