Intestate Succession Act in Singapore: Distribution After Death

“How are your assets distributed after death?”

It’s not an everyday topic.

And it’s usually shrugged off because you didn’t think it was important at the moment.

But doing nothing has its implications.

It will go according to the law and the Intestate Succession Act in Singapore specifies the distribution rules.

How would it be like?

Read on!

Too Long; Didn’t Read

intestate succession act distribution table

The distribution seems simple but there may be negative implications when you leave it to the law..


When was the last time you conducted thorough financial planning or reviewed your finances?

In this day and age in Singapore, doing so will absolutely improve the quality of life for you and your loved ones.

Here are 5 reasons why financial planning is so important.

What Is the Intestate Succession Act in Singapore?

When someone passes away without a Will, he is said to have died intestate.

Even if he has written a Will, if it’s revoked or deemed invalid, the assets may fall into intestacy.

And that’s when the Intestate Succession Act comes in.

It is an act that specifies the distribution of such intestate assets after death.

It covers most assets such as CPF (if there wasn’t a CPF nomination made), HDB, bank accounts, investments, etc. Insurance proceeds will also be distributed according to the law if there are no insurance nominations or any Will written.

This act does not apply to muslims as they’d be under a separate law.

What Comes Before the Distribution

Once death happens, all assets of the deceased are frozen.

The freezing happens because no one has the right to access and control these assets anymore, until a court order is applied.

When there’s no Will, a next-of-kin should apply for the Grant of Letters of Administration (court order).

After being appointed the Administrator, the next-of-kin will then be allowed to gain control and distribute the assets accordingly.

This is the lengthy legal process one has to go through when dying without a Will in Singapore.

How Are Assets Distributed According to Intestacy Laws

The intestacy law in Singapore specifies 9 rules for the distribution of assets.

These rules are summarised into a simplified table form:

intestate succession act distribution table
(credits to Pang Zhe Liang for the design layout idea)
SurvivorsWho Gets How Much
Spouse (no parents or children)Spouse gets 100%
Spouse and children (with or without parents)Spouse gets 50%; Children get the other 50% split equally
Children (without spouse)Children get 100% split equally. Grandchildren can claim their parent’s share (split equally) if their parent is deceased
Spouse and parents (no children)Spouse gets 50%; Parents get the other 50% split equally
Parents (no spouse or children)Parents get 100% split equally
Brothers and sisters (no spouse, children or parents)100% split equally between brothers and sisters. Children of a deceased brother or sister can claim their parent’s share.
Grandparents (no spouse, children, parents or siblings)100% split equally between grandparents
Uncles and aunties (no spouse, children, parents, siblings or grandparents)100% split equally between uncles and aunties
None100% goes to the government

According to a survey conducted by MoneySense, about 3 out of 10 Singapore residents aged 30 to 59 had not started planning for their future financial needs. 

This isn't surprising because personal finance can seem complicated and daunting. But really, there are only a few things that you should focus on.

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3 Disadvantages of Leaving It to the Law

Here are some of the obstacles that your loved ones may have to go through if you leave the distribution to the law:

1) Delay in Settlement and Higher Costs

When you don’t specify certain aspects of your “estate plan”, more details need to be gathered and the court will have to decide.

There may even be delays in deciding who the Administrator will be.

This process can be lengthier as compared to having a Will (which has a lot more details spelt out already).

This generally translates to more paperwork needed and higher costs incurred.

Not forgetting a longer time for your family to have access to your assets.

2) Disputes Over the Distribution Create Unhappiness

There are many stories in the news of families having disputes over a deceased’s assets.

That’s the last thing you would want your family to face, when you’re not around.

Even the minor of things could create displeasure within family members.

I’m sure you want everything to be smooth for your family.

But because of this, things can turn out to be the opposite of what you want.

3) May Not Be According to Your Wishes

Perhaps you may be thinking you’re still too young for these thoughts.

But here’s the truth: death can be unexpected and swift.

And if you’re caught off guard, the rules of the intestacy law will apply.

That’s an important fact.

What the law wants may not be what you truly want.

So in a world where fairy tales may not exist, there’s one wish you can make that will always come true – a Will.

If You Don’t Want the Law to Decide

You can implement preventive measures to how your assets will be distributed with the basics of estate planning.

For the majority, there are 4 tools that you can consider utilising.

Firstly, you can make insurance nominations on life insurance policies that have a death benefit. This will be beneficial for your loved ones because they can get the insurance proceeds without going through the legal process.

Secondly, consider making a Will. This will ensure all your assets will be distributed according to your wishes.

Thirdly, make a CPF nomination. Why? Because you’re unable to include CPF monies in your Will.

And lastly, consider setting up a trust to be able to distribute your assets with a greater degree of flexibility.

It seems daunting but you just need to allocate a small amount of time to complete them.

And no matter what, they’re not set in stone, yet. You can change the details if your situation changes in the future.

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Disclaimer: The statements or opinions expressed on this site are of my own. The information is meant purely for informational purposes and should not be relied upon as financial advice.
Abram Lim

Abram Lim is the founder of SmartWealth and a licensed financial consultant with over 8 years in the industry. He ensures all published content is supported by data, well-researched, and includes both sides of the story. His work has been referenced by SingSaver, Business Insider, and Fortune.