Wills15 January 2026·6 min read

Wills, CPF nominations, and the gap between them

Your will doesn't cover your CPF. Your CPF nomination doesn't cover your insurance. Here's how the three pieces fit together.

[Placeholder] Most Singaporeans I meet assume their will covers everything. It doesn't. CPF sits outside your estate. Insurance proceeds with a nominated beneficiary sit outside your estate too.

[Placeholder] What that means in practice: you can have a perfectly drafted will and still have your money go to the wrong person, because your nominations point somewhere else.

[Placeholder, to expand: walk through a worked example of CPF, insurance, and will alignment for a typical Singapore family.]

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