wingkitChoosing Life by Planning Ahead
It’s easy to avoid talking about death, but the truth is—planning early is one of the most loving acts you can do for your family. When you organise your estate, write a will, or update your nominees, you’re actually making sure your loved ones can continue living peacefully after you’re gone.
At Koha Digital, we believe legacy planning isn’t about fear; it’s about empowerment. It’s about living fully today, knowing tomorrow is secured.
Understanding the Malaysian Legal Context
In Malaysia, estate planning for non-Muslims is governed by the Distribution Act 1958 and the Probate and Administration Act 1959. These laws determine how your estate will be distributed if you pass away without a valid will. Without proper planning, your assets might not reach the people you wish to protect.
A valid will ensures:
- Your estate is distributed according to your wishes.
- A trusted executor manages your affairs.
- Your family avoids delays and potential disputes.
Digital platforms like Koha Digital integrate these legal standards, making will creation and secure document management easier and compliant.
6 Practical Steps to Take Now
1. Write or Update Your Will
Mr. Tan realised his old will didn’t include his second child. He updated it using Koha Digital’s guided platform to make sure his new family member is equally protected. A simple act that saves heartbreak later.
2. Review Your EPF and Insurance Nominations
Many Malaysians forget that EPF nominations override what’s written in your will for those specific funds. Reviewing your nominees ensures your intentions align with your current situation.
3. Identify and List Your Assets
From property titles to online accounts, knowing what you own is crucial. Keep an updated list and store it safely—Koha’s Digital Vault can help you manage and share this information securely.
4. Choose a Reliable Executor
Your executor is the person responsible for ensuring your wishes are followed. Choose someone trustworthy and brief them about where to find your documents.
5. Communicate Openly with Your Family
Priya decided to openly discuss her estate plans with her siblings. This helped everyone understand her decisions and prevented misunderstandings later.
6. Keep Your Documents Accessible and Safe
Traditional safes can deteriorate over time or be lost. Koha Digital’s hybrid model stores physical copies with professional partners while maintaining digital versions you can access anytime.
Quick Checklist: Key Documents to Prepare
- Will (original and digital copy)
- Identification documents
- Property titles and loan agreements
- EPF statement with updated nominees
- Insurance policies and bank account details
- List of digital assets and passwords
Frequently Asked Questions (FAQ)
Q1: Can I write my own will without a lawyer?
Yes, but it must follow legal requirements. Koha Digital works with professional legacy planners to ensure your will is valid.
Q2: If I already have a will, how often should I review it?
Every two to three years, or whenever major life changes occur (like marriage, new children, or property purchases).
Q3: What if I don’t have much wealth?
Estate planning isn’t just for the wealthy—it’s about making things easier for your loved ones.
Q4: Where should I keep my original will?
Store it securely—a digital copy in Koha’s vault and physical copy with a trusted professional.
Conclusion: Securing Your Family’s Future
Life is unpredictable, but your love and planning can bring certainty. Preparing a clear will is one of the most generous acts you can do. It’s not about expecting the end—it’s about living meaningfully today while protecting your tomorrow.
How Koha Digital Can Help
Koha Digital simplifies estate planning for all Malaysians. Our platform connects you with legacy planners, offers Conventional Wills and secure document storage, and helps you focus on what truly matters—family harmony and peace of mind. Because at the heart of every legacy is love.
