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Will & Trust
Do you know?
Your Assets Will Be Frozen When You Pass On
How Long Does It Take?

For your loved ones to receive you asset when you are not around

Without Will (Intestate)
With Will (Testate)

Take up to 5 to 9 years.

Take up to 6 to 24 months.

Trust Deed

Immediate

Understanding The Process
Death

Asset Frozen

No Will

Intestate

Choose
Administrator
Value Estate

Asset & Liability

2 Sureties

2 person that has equivalent to the gross value of the estate for administration bond

Apply for Letter of Administration
Collect Asset

For debt collector to make claim on the Estate. e.g. LHDN, Banks, etc.

Advertise in Gazette
Clear Debts

All debts must be paid first

Distribute Asset

Finally the Beneficiary receives the Asset

Final Account

Administrator must prepare final accounts

5
YEARS
Without Will

Intestate

Death

Asset Frozen

With Will

Testate

Apply for Grant of Probate
Collect Asset

For debt collector to make claim on the Estate. e.g. LHDN, Banks, etc.

Advertise in Gazette
Clear Debts

All debts must be paid first

Distribute Asset

Finally the Beneficiary receives the Asset

Final Account

Administrator must prepare final accounts

6
MONTHS
With Will

Testate

Plan you family legacy with Charis Group & RHB Trustees
Contact Us
Our Insurance Advisors

KL Charis

Level 29, AIA Capsquare Tower, Jalan Munshi Abdullah, 50100 Kuala Lumpur

​

info@charisgroupagency.com

​

PEGGY LOW

Manager

019 311 5023

​

LAM KAH MENG

Wealth Management Advisor

017 321 6200

​

JENNY LEE

Wealth Management Advisor

012 638 0798

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