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Estate Planning · 5 Minutes

No will — how does the law split it? See your estate readiness

Pick your family structure and assets, and see at a glance how the law would split your estate without a will, which assets get frozen pending probate, and a 0-100 estate-readiness score.

Does Islamic inheritance law (Faraid) apply to this estate?

If the deceased is Muslim, the estate is distributed under Faraid (Islamic inheritance law), which works differently from the Distribution Act 1958 calculation below.

01

Family structure

Where the estate is located
Marital status
0 10
Are your parents living
Do you have a will
02

Asset inventory

Property
RM
RM 0 RM 20.0M
How it's held

Common misconception: joint ownership does NOT automatically pass entirely to the spouse — Malaysian land defaults to "tenants-in-common", so the deceased's share still requires estate administration.

EPF
RM
RM 0 RM 5.0M
Have you made a nomination
Life insurance
RM
RM 0 RM 10.0M
Have you set up a trust nomination (FSA s.130)
Bank accounts
RM
RM 0 RM 5.0M
Company shares
Overseas assets
Analysis
Example numbers · fill in your own above
Legal distribution (Distribution Act 1958 estimate)
Spouse33%
Children67%

The legal distribution above is an educational summary, not reviewed by a lawyer — for reference only, not legal advice. Please consult a lawyer for your specific situation.

Assets frozen pending probate
  • PropertyRM 800,000
  • Life insuranceRM 500,000
  • Bank accountsRM 50,000

Probate typically takes 6–24 months, depending on the case.

Paid directly via nomination — no probate wait
  • EPFRM 300,000
Estate readiness
33/100

1 items covered · 2 items not covered

Still to handle
  • No will yet
  • Insurance has no trust nomination (FSA s.130) yet
Want to talk through your estate plan?

How to set up a will, nominations, or a shares succession plan — worth discussing your family's specific situation with JMarc.

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This tool is an educational self-check only — not legal advice. The Distribution Act 1958 summary below is educational content that has NOT been reviewed by a lawyer — for reference only; always confirm your specific situation with a lawyer. Stored locally on your device only, never uploaded.

Methodology by
JMarc Chong
Licensed Chartered Financial Planner · verifiable on the BNM register · SC eCMSRL/B9396/2019
The signature stands behind the methodology, not any outcome.
Past performance is not indicative of future performance. This page has not been reviewed by the Securities Commission Malaysia.