Back to Client Stories

By the team at randallteo.sg

What was keeping her up at night
"I found out three months after the divorce that my ex-husband was still the beneficiary on two of my insurance policies. My CPF nomination still had his name. My Will, which I had written during the marriage, left almost everything to him. I felt sick. If something had happened to me in those months, everything would have gone to the wrong person."
What we found when we looked properly

The policies had not been updated. The CPF nomination was unchanged. The Will, written in 2018, reflected a life that no longer existed: the wrong beneficiaries, the wrong executor, and no guardianship provision for her daughter now that the family structure had changed. Under Singapore law, divorce does not automatically revoke a Will or change insurance nominations.

What we did

We moved quickly because Priya wanted this resolved. We updated her CPF nomination, reviewed each insurance policy, drafted a new Will with updated beneficiaries and a guardianship clause for her daughter, and set up an LPA naming her sister as donee.

Where she is now

Priya said the session felt less like a planning exercise and more like finally being able to breathe. Everything now reflects her life as it actually is.

A major life change does not just change your circumstances. It changes who should benefit from everything you have built.

Your situation

If your circumstances have changed significantly, it is worth checking your documents still reflect them.

Worth a conversation