Now drawing up a will is as easy as making a phone call... to Rockwills. Rockwills Professional Estate Planner can take your instructions in the privacy of your office or the comfort of your home. Using our unique Professional Will-writing system and personalized service, your will can be tailor made to suit every situation. This will avoid the pitfalls of an intestacy illustrated below.

Mr. Khoo dies untimely in a fatal accident, leaving behind his spouse and 2 minor children, his aged parents and a disabled brother, all of whom are maintained by him and living in the same household. With Mr. Khoo's untimely passing without a will, his estate will be distributed under the Intestate Succession Act (Cap 146). Under the Act, only Mr. Khoo's wife and his children will benefits. The wife will receive 1/2 and the 2 children will get the other 1/2 in equal shares.

The aged parents and the disabled brother will not get anything from Mr. Khoo's estate and this is not ideal. Much will then depend on Mr. Khoo's spouse to decide on the amounts to give for the maintenance of the aged parents and the disabled brother. The chances are that disputes and quarrels over the amounts of maintenance for various family members will occur and this will lead to an unhappy family situation.

Ask yourself:

• Do you want your parents to struggle without the security of funds for their maintenance?
• Do you want to put your spouse and children through an unnecessary long legal process before getting their entitlements to your estate?
• Do you want persons not chosen by you to manage the estate for your spouse and children?
• Do you want to put your spouse and children through the difficulty of finding 2 persons to be sureties (guarantors) for the administration bond?
• Do you want your spouse and children to be burdened with high distribution costs and administrative delays in distributing assets?
• Do you want your beneficiaries to end up arguing over the payment of high legal fees and costs?

If your answer to any of the above is "No", then you will need to write a will to protect your loved ones from the above difficulties.