How Do I Make a Will?

Last updated on April 15, 2019

In Singapore, wills are governed by the Wills Act, which states that a testator may devise, bequeath or dispose of his real or personal estate, via a will.

Formalities of a Will

The requirements for a valid will in Singapore are:

  1. The will must be committed to writing.
  2. The testator must be at least 21 years old.
  3. The testator must sign the will at the foot of the will.
  4. The testator’s signature must be witnessed by 2 or more witnesses, who must also sign the will in his presence.
  5. The 2 main witnesses cannot be beneficiaries of the will, or spouses of beneficiaries.

(1) Will must be made in writing; (2) Testator must be at least 21 years old; (3) Testator must sign at foot of will in front of 2 witnesses; (4) 2 main witnesses cannot be beneficiaries of the will

If the testator is unable to sign at the foot of his will, he may allow another person to sign it on his behalf and in his presence. In addition, witnesses apart from the 2 main witnesses can also be beneficiaries.

Because of the possible complexity of these requirements, hiring a professional adviser (such as a lawyer) to devise the will is advisable.

What to Include in a Will

  1. A list of all of your assets. A jointly-owned bank account or house cannot be devised by a will.
  2. A list of all your liabilities. You must state how you want your debts to be paid off before your assets are distributed to the beneficiaries.
  3. The beneficiaries (who to give the assets to) and guardians (for if the beneficiaries are too young), and how much each one is to receive. You may also want to include reserve (i.e. backup) beneficiaries in the event of simultaneous death.
  4. The executors (to carry out your will). A beneficiary may also be the executor.
  5. The advisors. For example, lawyers and accountants.
  6. A revocation clause to revoke any and all previous wills.
  7. A residuary clause that distributes any remainder of your estate according to your wishes. For example, if a beneficiary dies before you, the asset bequeathed to him becomes the remainder.

For more information, refer to our checklist for drafting a comprehensive will.

Will Central Provident Fund (CPF) monies be covered by your will?

As CPF savings are not covered under your will, you must make a CPF nomination if you want your CPF savings to be distributed according to your wishes upon your passing. Each nominee will receive a proportion as specified in your nomination.

Otherwise, your CPF savings will be transferred to the Public Trustee’s Office and distributed according to the rules in the Intestate Succession Act.

Read more about making a CPF nomination in Singapore here.

You may also download our free guide to will-making, to find out what are the assets you can distribute under your will, here:

Do You Need a Lawyer to Draft a Will?

You do not strictly need a lawyer to write a will. However, it is best to engage one if your requirements on who should inherit your assets are rather complex.

There are also will-writing services offered by non-lawyers. It is not true that these services will definitely be priced lower than lawyer services. Given the competitive legal market now, it is possible to engage a lawyer to write a will for approximately the same price as other will-writing services. Read our guide to will-writing services in Singapore.

We also offer a WillMaker service for individuals to conveniently make a will online for $89 per will. This flat fee includes unlimited edits and downloads of the will document for 1 month. Make a will online here.

What to Do with a Will

After writing a will, keep it in a safe place and let your family members know where it is so they can find it later on.

You could also approach the Wills Registry to deposit information of the will. This would greatly smoothen the probate process.

The information kept by the Wills Registry is strictly confidential. Access to such information will be limited to the person making the will, his or her next-of-kin and the relevant lawyers in the will-making process. Information that can be deposited includes:

  • Details of the person making the will
  • Date of the will
  • Details of the person who drew up the will
  • Details of where the will is held

Depositing information with the Wills Registry can be done through the “Deposit of New Will Record” service at the Public Trustee Office E-Services page. Hardcopy forms are not accepted. It costs $50 to deposit information on your will with the Wills Registry.

How to Revoke a Will

  1. A will is generally revoked by marriage.
  2. A will can be revoked by a new will, a written revocation, or by destroying the old will.

How a Will is Executed: Choosing an Executor

A will is executed by the executor. However, the executor can refuse to execute the will. Therefore, if you are making a will, it is important to consult whomever you wish to appoint as executor beforehand and obtain his consent.

The executor may be a person or a professional trust specialising in wills. The executor applies for probate and administers the estate. He will settle the deceased’s debts and distribute the assets to the beneficiaries according to the will.

A will can be contested by those who dispute its validity, and a court may declare it wholly or partially invalid. It is therefore important to ensure that it complies with the provisions of the Wills Act.

What If You Die Without Leaving a Will?

If no will is left behind before a person dies, his property would be distributed according to the rules in the Intestate Succession Act.

If you would like to write a will, you may contact one of our wills lawyers and obtain a quotation from them. You can also use our WillMaker service to make a will online.

Estate Planning
  1. Fiduciaries and Fiduciary Law in Singapore
  2. Muslim Inheritance Law in Singapore
  3. What Happens to Your Debts When You Die?
  4. How to Donate your Assets to Charity
  5. Organ Donation in Singapore (under HOTA, or For Science)
  6. Can I Use My Will to Distribute Insurance Proceeds?
  7. 8 Tools You Must Know for Estate Planning in Singapore
  8. Who Pays for the Mortgage Debts and Medical Bills After Death?
  9. Complete Guide to CPF Nominations and How to Make One in Singapore
  10. Is Inheritance Tax/Estate Duty Payable When You Die in Singapore?
  11. Missing Persons Singapore: Legal Steps to Find and 'Presumed Dead'
Making a Will
  1. How Do I Make a Will?
  2. Choosing an Executor for Your Will in Singapore
  3. Get An Affordable Will Made By Experienced Lawyers
  4. Where Should You Store Your Will?
  5. Why Should You Make a Will?
  6. What is a Mutual Will, Mirror Will and Joint Will?
  7. How Can I Change My Will?
  8. Checklist for Drafting a Comprehensive Will in Singapore
  9. Appointing a Guardian for Your Children in Your Will in Singapore
  10. The Complete Guide to Making Your Will in Singapore
Preparing for Incapacity
  1. How to Plan for Mental Incapacitation
  2. What is a Lasting Power of Attorney and How to Make One in Singapore
  3. Advance Medical Directives in Singapore
  4. Appointment of Deputies under the Mental Capacity Act
  5. Revocation of a Lasting Power of Attorney
  6. How to Appoint a Deputy for a Loved One Lacking Mental Capacity in Singapore
  7. Advance Care Planning in Singapore: Why and How to Get Started
  8. Mental Capacity Assessment for LPAs and Wills
Setting Up a Trust
  1. What is a Trust? Trust Law in Singapore
  2. Setting Up a Discretionary Living Trust in Singapore
Distribution of Estate Assets
  1. An Executor’s Checklist to Executing a Will in Singapore
  2. What Happens If You Die Without a Will in Singapore?
  3. How Do I Contest a Will?
  4. Wills, Probate, and Executors: What to Do When a Loved One Passes Away in Singapore
  5. Applying for Letters of Administration: Intestacy Laws in Singapore
  6. Unfair Maintenance: What Can Singapore's Law Do for You?
  7. Applying for a Grant of Probate in Singapore
  8. Can a half-brother be considered a next of kin? (when distributing the assets of the deceased)
  9. What happens to property when a deceased’s next-of-kin or named personal representative is uncontactable?
  10. Obtaining a Fresh Grant of Probate and Resealing a Foreign Grant of Probate
  11. What happens to residuary property not accounted for?
  12. What happens to a Singapore expatriate's assets when he passes on?
  13. How to Access the Bank Account of a Deceased Spouse
  14. What happens to my assets overseas when I pass on?
  15. What Happens to the HDB Flat When One Owner Passes Away?
  16. Simultaneous Death: How are Assets Distributed When Family Members Die at the Same Time?
  17. What to Do If the Will Cannot be Found
  18. What to Do If There are Disputes With or Between the Executors of a Will in Singapore
  19. What If a Beneficiary Dies Before Receiving His Inheritance?
  20. What Happens to the Car When the Owner Passes Away?
  21. How Can Your Minor Beneficiaries Receive Their Inheritance?