Here’s why you should prepare a will.

  • Distribute your assets according to your wishes and avoid potential disputes among family members.

  • Decide on suitable person(s) to administer your estate and authorise them as required.

  • Appoint guardian(s) for your young children.

  • Save time and legal costs.

Here's a closer look at the types of wills available.

A simple will enables you to:

  • Appoint an executor and substitute executors for your assets.
  • Appoint a guardian/trustee, where necessary.
  • Make specific gifts of your assets to named beneficiaries and the proportion to be given.
  • Name an immediate substitute beneficiary in the event the original beneficiary does not survive you.

Mirror wills are identical wills made by two people, most commonly between husband and wife. It exists when one spouse wishes the other spouse to receive income from the estate during his/her lifetime and then to have it divided among their children. Either testator can revoke their Will during their lifetime, provided they have mental capacity.

The Lasting Power of Attorney

A Lasting Power of Attorney ("LPA") is a legal document governed under the Mental Capacity Act (Chapter 177A) which allows a person who has mental capacity and is 21 years of age or older (“Donor”) to voluntarily appoint one or more persons to be the Donor’s decision-maker (“Donee”) when the Donor lacks mental capacity and is unable to make decisions for himself or herself.

With the LPA, the Donee will be able to act on the Donor’s behalf with regards to the Donor’s Personal Welfare (including certain aspects of Medical Welfare), Property and Affairs or both categories when the Donor lacks mental capacity.

The LPA allows you to protect your interests by indicating your personal, considered choice of a proxy decision maker - someone you trust to be reliable, competent and capable - to make decisions and act on your behalf should you become vulnerable when you lose the mental capacity to make your own decisions one day.

There are two different prescribed LPA forms to cater to the different needs of individuals:

  • LPA Form 1 is for someone who desires to give his or her donee(s) wide ranging powers to make decisions on your behalf.
  • LPA Form 2 is to be used if you have more requirements to be included in your LPA. For example, if you wish to give specific powers to your donee(s) or when you require more than one (1) replacement donee.  You will need to engage a lawyer to draft your LPA Form 2.
  • You may select to give your donee(s) powers to decide matters about:
  • your Personal Welfare; or
  • your Property and Affairs; or
  • both your Personal welfare and Property and Affairs

Packages available

NTUC Income has service providers who can provide advice and assistance to complete and execute the various LPA forms and arrange for your LPA forms to be witnessed and certified by an LPA certificate issuer.

We have negotiated with our service providers to give you special rates for both simple and mirror wills. Customers may request for the service providers to include additional information based on their needs. Do note that additional fees may apply depending on the complexity of the request.

Will Writing Packages and Charges
No. Clause Description Package A Package B Package C
1 Appointment of Executor/Trustee - Maximum number included Up to 2 Executors Appointment of up to 2 Executors
and 2 substitute Executors
2 Revocation Clause Included
3 Appointment of Guardian for beneficiaries below 21 years of age Included for couples with children below 21
4 Distribution of assets Up to 5 beneficiaries Up to 10 beneficiaries
5 Additional Clause Not applicable

Appointment of up to 5 substitute beneficiaries or
inclusion of Accrual Clause

Not Applicable Select either:
- Common Disaster Clause or
- Exclusion from Will
6 Two Witnesses Provided by service provider
Will Writing Fees
Packages Package A Package B Package C
Policyholder Fee (per person)
Simple Will $267.50 $310.30 $353.10
Mirror Will $240.75 $278.20 $315.65
Non Policyholder Fee (per person)
Simple Will $374.50 $417.30 $460.10
Mirror Will $299.60 $337.05 $374.50
Lasting Power of Attorney (LPA) Fees
Fee Form 1 Form 2
Policyholder Rate $267.50 $1,605
Non-Policyholder Rate $299.60 $1,819
Will Writing and LPA Package Fees
Package Description Package A Package B Package C
Simple Will and LPA Form 1
Policyholder $481.50 $520.02 $558.54
Non-policyholder $606.69 $645.21 $683.73
Simple Will and LPA Form 2
Policyholder $1,685.25 $1,723.77 $1,762.29
Non-policyholder $1,974.15 $2,012.67 $2,051.19
Mirror Will and LPA Form 1
Policyholder $457.43 $491.13 $524.84
Non-policyholder $539.28 $572.99 $606.69
Mirror Will and LPA Form 2
Policyholder $1,661.18 $1,694.88 $1,728.59
Non-policyholder $1,906.74 $1,940.45 $1,974.15

Please note that charges are subject to revisions from time to time and charges applicable will be based on the time of submission of request to NIE and your LPA and Will details using the service provider’s prescribed forms.

Seminars and workshops

NTUC Income also holds a series of will writing webinars. Each of the webinar will include discussions on the benefits of having a will, what is covered under a will, how it could be done and the consequences in the absence of a will.  The speaker will also be speaking about arrangements for your CPF monies and insurance proceeds for your will making.  In addition, presentations will include the importance of Lasting Power of Attorney and Legacy Planning.

Date Time Speakers
Wed,10.11.21 7.00 pm


Patrick Tan, CEO, Fortis Law

Quek Chee Chyuan, NTUC Income


Click here to register for webinar link to be sent to you.  Registration will close on 5 November.

All opinions expressed in the speaker’s material are solely those of the speaker’s and do not reflect the opinions of NTUC Income or NIE. Neither should the material be deemed as an offer or solicitation for services by the speaker, Income or NIE. Neither Income nor NIE is responsible or liable to any party in any manner whatsoever in connection with the material. The speaker is solely and personally responsible for any opinion and information set out in the material including the accuracy and completeness of any information and use of any intellectual property rights in the material.