Someone who has gone and wrote a will said to me Amanah Raya Berhad is a scam. So what she did was divide the stuff directly before she dies, she is still living btw. And if anything happens, transition of assets have already been done prior to that. Says that wills are not really the way to go. its more like changing names before getting into trouble. Well if you are 60+ then maybe you will start writing a will anyway. Don't think you have a lot of assets when you are 20+