遗嘱信托规划 · Will & Trust Planning
没有遗嘱，家人拿什么继续走下去？ Without a Will, what's left for your family to hold on to?
身故后，银行户口、地产、股票会即刻【冻结】。家人需要时间和金钱才能向法庭申请解冻，孩子的监护权也可能不由你决定。 The moment you pass on, your bank accounts, property and shares are frozen — and without a Will, the court decides who raises your children.
资产冻结，是真实会发生的事Asset freeze is a real, immediate event
一个人身故后，他名下的银行户口、地产、股票、生意都会立刻被冻结。家人无法马上提款、卖屋或处理任何资产，直到法庭批出遗产管理书。
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1
银行户口无法提款
没有遗嘱，近亲属必须向法庭申请遗产管理书（Letters of Administration）才能动用资金。Family cannot withdraw funds until the court issues Letters of Administration.
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2
房产、股票无法处理
不动产不能出售，证券账户不能交易，资产被完全锁住。Property can't be sold and securities can't be traded while frozen.
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3
家庭开销顿时失去支柱
经济支柱离开后，能马上应急的通常只有公积金和保险赔偿金。Only EPF and insurance payouts are typically accessible immediately for urgent family expenses.
如果明天你不在了，谁来照顾孩子？If you weren't here tomorrow, who would raise your children?
没有遗嘱，孩子的监护权将交由法庭依据法律裁定 — 未必是你心中最信任的那个人。
- ✓指定监护人：由你亲自选择孩子的法定监护人，而不是法庭代你决定。
Name your children's legal guardian yourself — instead of leaving it to the court. - ✓财产管理：安排管理人代为处理孩子将继承的资产，直到他们成年。
Appoint someone to manage your children's inheritance until they come of age. - ✓表达意愿：清楚写明资产如何分配，以及孩子该如何使用这笔钱。
State clearly how assets should be divided and used for your children.
2021年疫情期间，吉隆坡一名12岁女孩在一周内相继失去母亲与外婆。家人原本已请律师准备遗嘱，但外婆在弥留之际来不及签署，女孩最终无依无靠，监护权也因此陷入悬而未决的局面。
During the 2021 pandemic in Kuala Lumpur, a 12-year-old girl lost both her mother and grandmother within one week. A Will had been prepared but the grandmother passed before she could sign it — leaving the child's guardianship unresolved.
立遗嘱的好处The advantages of having a Will
较低律师收费
相较于无遗嘱的遗产管理程序，费用明显更低。
Lower legal costs than administering an estate without a Will.
你决定分配与执行人
You decide how assets are divided and who executes it.
你决定谁照顾孩子
You choose who raises your young children.
避免复杂法律程序
Skip lengthy court procedures — assets are claimed faster.
无需两位担保人
No need to find two guarantors, unlike intestate estates.
减少家庭冲突
Reduces the risk of family disputes over the estate.
遗嘱方案Will Packages
两个方案，让你依据资产复杂度选择最合适的立遗嘱方式。价格与内容仅供参考，实际安排以咨询后确认为准。
遗嘱信托 Testamentary TrustWhen a Will alone isn't enough
普通遗嘱是直接把资产分配给受益人；而遗嘱信托可以让受托人按你的安排，分阶段、有条件地把资产交给孩子或其他受益人 — 尤其适合未成年子女。
资产保全
Assets are held and protected rather than paid out in one go.
资金控制
You control how and when your loved ones receive the money.
满足特殊需求
Provide financial security for beneficiaries with special needs.
保护特定受益人
Guard against beneficiaries who may misuse funds.
保护未成年子女
Hold assets for children until they're old enough to manage them.
与遗嘱搭配使用
Works alongside your Will for a complete estate plan.
15分钟，在手机上完成你的第一份遗嘱 Write your first Will online in 15 minutes
透过 MySmartWill 线上平台，跟着引导一步步填写，随时随地都能开始，不需要马上见面。完成后欢迎联系我做进一步咨询，确保安排合理、符合你的心愿。
- 01 — 点击下方专属链接进入平台
- 02 — 依照指示填写资产、受益人与监护人
- 03 — 完成后，我会收到通知并主动联系你
I'll be notified once you register, and can follow up for a short consultation — in person or online.
名下资产还有贷款？先确保保险足够Assets still under loan? Make sure your insurance is enough
如果你的房产、生意或资产仍有未还清的债务，遗产在分配前必须先偿还债务。若家人没有足够的现金，资产将无法解冻认领，甚至可能被迫贱卖。
If your property or business still carries debt, the estate must settle it before distribution. Without enough cash on hand, your family may not be able to unfreeze or claim the asset at all.
建议：搭配足额的人寿保险，作为身故后立即可用的现金，让家人有能力偿还债务、解冻资产。
A properly sized life insurance policy provides immediate cash for your family to settle debts and unlock frozen assets.
Mr Tai
遗嘱信托与保险规划顾问 · Estate & Insurance Planning Consultant
我协助家庭规划遗嘱、信托与保险保障，确保资产能顺利、快速地传承给你所爱的人，也让孩子在任何情况下都有你指定的监护人照顾。欢迎联系咨询，见面或线上会议皆可安排。
计算器与保单资讯Calculators & Policy Information
今天，为家人写下你的心愿 Today, put your family's wishes in writing
立遗嘱不是遥远的事，而是一份现在就能给家人的保障。15分钟，或联系 Mr Tai 一起完成。