WILLS & ESTATES
A Practical Guide to Estate Administration
Losing a loved one is difficult enough without having to deal with banks, property, debts and court papers. A lawyer is not always necessary, but some estates become complicated very quickly.
JOO TOON LLCÂ Â LITIGATION TEAMÂ Â 2 MIN READ
Losing a loved one is difficult enough without having to deal with banks, property, debts and court papers. The honest answer is that a lawyer is not always necessary. Some straightforward estates can be administered personally, while others become complicated very quickly.
Is a court grant required?
​
A Grant of Probate gives an executor named in a valid will authority to deal with the estate. If there is no will, an eligible person may apply for Letters of Administration (Probate and Administration Act 1934; the order of priority among applicants is set out in the Intestate Succession Act 1967). Whether a grant is needed depends on the assets, how they are held and the requirements of the institution dealing with them.
​
Some assets may pass without a grant, including CPF savings paid under a valid nomination, jointly owned property passing by survivorship and certain insurance or jointly held assets. Other assets, particularly property or substantial bank and investment accounts, commonly require a grant.
​
When might you manage without a lawyer?
​
A personal application may be realistic where the will is clear, the executor is available, the assets and debts are easy to identify, all beneficiaries agree and there are no foreign assets, caveats or unusual complications.
​
Even then, the applicant must gather the documents, identify the estate accurately, file the required court papers and deal with any requisitions raised by the registry.
​
When is legal help especially useful?
​
Legal advice is usually sensible where there is no will, uncertainty over who should apply, family disagreement, a threatened will challenge, concerns about undue influence or forgery, significant debts, business interests, overseas assets or competing applications.
​
A lawyer can help identify the correct applicant, advise whether a grant is required, prepare the papers, respond to requisitions, deal with caveats, advise on creditors and guide the distribution.
​
The personal representative has legal duties
​
Executors and administrators do more than collect and divide assets. They must identify and preserve the estate, pay proper debts and expenses, keep accounts and distribute to the correct beneficiaries. Distributing too early, overlooking a creditor or paying the wrong person may expose the personal representative to liability (the common law doctrine of devastavit, i.e. maladministration of the estate).
​
Where beneficiaries disagree, the representative must remain neutral and administer the estate according to the will and the law, rather than simply following the wishes of the loudest family member.
​
Sometimes limited advice is enough
Â
Full representation is not always necessary. A short consultation may clarify whether a grant is needed, who has priority to apply, what documents are required and whether there are warning signs that make a personal application risky.
​
Key takeaway
​
A simple, undisputed estate may be manageable without a lawyer. Where there is uncertainty, conflict or complexity, early advice can prevent expensive mistakes and make the administration far more manageable.
​
Frequently asked questions
​
​It depends on the assets and how they are held. Property and substantial bank or investment accounts commonly need a Grant of Probate or Letters of Administration, while some assets, such as CPF savings under a valid nomination or jointly owned property passing by survivorship, may pass without one.
Sometimes. A personal application can be realistic where the will is clear, the assets and debts are easy to identify, all beneficiaries agree and there are no caveats or overseas assets. Where there is uncertainty, conflict or complexity, early advice can prevent expensive mistakes.
An eligible person may apply for Letters of Administration, and the estate is distributed under the Intestate Succession Act 1967. Who has priority to apply and who inherits depends on the family circumstances, so it is worth getting advice before you start.
Disclaimer: These articles are intended to provide general information only and do not constitute legal advice. Each article is prepared based on the law and information available as at its date of publication. While care is taken to ensure that the contents are accurate and informative, the law is subject to change, and subsequent legislative, regulatory or judicial developments may affect the interpretation or application of the matters discussed. These articles should not be used or relied upon as a substitute for professional legal consultation, and legal advice should be sought in relation to any specific legal matter.