If there’s one thing many people delay, it’s creating or updating a will. It often feels like something you can “get to later”—but it’s one of the most important parts of your financial planning.

A valid will ensures that:
• Your assets are distributed according to your wishes,
• Your loved ones aren’t left dealing with unnecessary complexity,
• You can nominate guardians for minor children,
• Your estate is managed efficiently.

Without a will, your estate will be distributed according to default legal rules, which may not align with your preferences.

It’s also important to remember that while retirement fund benefits are handled separately through trustees, your personal assets, investments, and property form part of your estate—and your will guides how these are dealt with.
A will is not a “set and forget” document. You should review it whenever your life changes—marriage, divorce, children, or changes in financial position.

Good estate planning goes hand in hand with life cover. Together, they ensure that your loved ones are protected not just financially, but also practically, during a difficult time.