just read this thred briefly... i'm looking at the pb trustee way, had a look at some of the docs...

some issues in last 2 pages:

~ wills can be done with private lawyer, cos. like rockwills or bank trustees like pb trustee.

~ epf - yr nomination of beneficiary with epf is firm by law, a will can't override that, so pls change with epf if you need.

~ wongmunkeong has given a lot of info and details about pb trustee, pls read his posts again if interested!

~ imo, pb trustee is attractive because the 3 parts for costs are lower than most others:
1. will writing 50% off std rm500 if you have mutual gold, red carpet, platinum card, 50plus, etc. with them.
2. will custody service at rm80 per year or rm800 a life time - this is waived if you use them as sole executor in 3.
3. sole executor service charge - 1% for 1st 1mil, min rm3k - payable only when you're dead and hv no use for any money, so dun worry la.

a will is to make it easier for the beneficiaries to get the money as the trustee is a pro. w/o it, someone in the family will need to do all that, run around, etc. if there is a lawyer in the family or extended, maybe it's a lot easier w/o a will.