Frequently Asked Questions

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1. What do I get as a My Waris EAP member?
As a member of My Waris EAP, you will be able to enjoy the following benefits:
  1. A Will with unlimited number of clauses;
  2. Free lifetime custody of your Will; and
  3. Free execution of your Will (if your assets are between RM 3 to 12 million, depending on the plan you have subscribed and if you pass away before the age of 70)
2. Who can join as My Waris EAP member?
Anyone who is healthy and between age 18 to 55.
3. Can a foreigner join as My Waris EAP member?
Yes, as long as they comply with our membership requirement.
4. Should married couples join individually?
Yes, the membership is for one person only, so you and your wife need to join individually.
5. Do I need to go for medical checkup before I can join as My Waris EAP member?
No. You only need to fill up a Health Declaration Form if you are between age of 18 to the 55 and if you are accepted, then you can become My Waris EAP member.
6. Why do I need to get my spouse, children, parents or family members to sign as witness in the My Legacy Enrollment Form?
The reason why we need your family to sign as witness in the My Legacy Enrolment Form is for your family members to know that you have joined My Waris EAP as a member and in the event you pass away, they know who to contact so that they can enjoy Free Will Execution and a hassle free execution process.
7. I applied to be a member of My Waris last year but the application was rejected due to my failure to submit Health Declaration form. Can I apply again this year?
Yes. You can but you still need to fill in a fresh Health Declaration and get our Underwriter's approval. If the application is rejected, you are not able to join as My Waris member but you can still do your Will with My Legacy.
8. How much is the membership fee for My Waris EAP?
Our membership fee is RM3,600 for Classic Plan, RM 4,300 for Premier Plan and RM 7,600 for VIP Plan
9. Will the membership increase over time?
Yes. The membership fee will increase as time goes by. Therefore, it is better to join now and you will save some money instead of joining later.
10. How do I pay the Membership Joining Fee?
You can either pay by cheque, bank transfer, credit card or even e-Wallet.
11. Can I pay the Membership Joining Fee by installments?
Yes, you can. But you must have a Visa or Master credit card. Your payment will be split into Six (6) monthly payments without interest.
12. Are there any other fees besides the Membership Joining Fee?
Yes. There is a Yearly subscription fee of RM860.00 for Classic Plan, RM 1,720.00 for Premier Plan and RM 3,400.00 for VIP Plan payable until you pass away or until age 70, whichever is earlier.
13. What happen if I did not pay the Yearly Subscription Fee?
One month before the due date, we will send you a reminder message. If you did not pay the yearly subscription fee, then your free policy will lapse and your family will not enjoy the free Will execution and they need to pay the execution.
14. What should my family do when I pass away?
Your family needs to bring a copy of the Death Certificate and photocopy of all the beneficiaries' NRIC or passport and photocopy of all assets to Perpetual Trustees Berhad.
15. I have already written my Will with other Will Writing Companies, lawyers or DIY my own Will, why should I need to rewrite my Will with My Legacy?
You may have appointed a natural person(s) or Corporate Trust Company to be the Executor(s)/Trustee(s) in your previous Will and you may not have paid any execution fees. As such, your family members will need to pay for all Execution Expenses.

If you rewrite your Will with My Legacy by subscribing to MY Waris EAP, Perpetual Trustees Berhad will act as your Executor to execute your estate and distribute to your family in a proper manner. Perpetual Trustees Berhad will not charge your family any money if your assets are between RM3 to RM12 million depending on the plan you have subscribed. Therefore, it is best to rewrite your Will by subscribing as My Waris EAP member for the convenience of your family members.
16. Do I have to pay for the premium for the policy?
No. The yearly premium is paid by Perpetual Trutees Berhad. You only need to pay the Membership Fee and the Yearly Subscription fee.
17. Can I keep the Will myself instead of keeping it with Perpetual Trustees Berhad?
No. Since the membership provides lifetime custody of your Will free of charge, why do you want to take the risk of your Will being lost, destroyed or viewed by your family members? No point of writing a Will if it cannot be retrieved at the end of the day.
18. How do I know my Will is safely kept with the Trust Company?
Once Perpetual Trustees Berhad received your Final Will, they will send you a letter of acknowledgement within ten (10) working days from the day they received the Final Will so that you can have a peace of mind knowing that your Will is in the safe custody of the Trust Company.
19. Who is my Executor and Trustee?
Your Executor and Trustee of your Will is Perpetual Trustees Berhad, a private Trust Company established under the Trustee Act in 1998 to provide trust services to the public.
20. How long does it take to transfer my assets to my family when I pass away?
After Perpetual Trustees Berhad receives all the necessary documents from your family, it takes no more than one year for your assets to be transferred to your family provided you do not have any debts on your house, car, credit card and income tax and all your immovable properties fully paid with titles on hand.
21. What happen if my assets are more than RM3 million when I pass away?
Any amount more than RM 3 million will be charged at current rate of 3%. This rate will be locked in irrespective of the rate increases in the future.
22. If I want to rewrite my Will, what should I do ?
You can contact your existing agent or any agent from My Legacy informing them that you wish to rewrite your Will. They will get the necessary information from you to prepare your new Will. You will need to sign your new Will again in front of two witnesses.
23. How much do I have to pay to rewrite my Will?
The current rate to rewrite your Will is RM600.00 for Classic and Premier Plan and RM1,000.00 for VIP Plan for unlimited number of clauses. However, this rate may increase in the future.
24. Can I cancel My Waris EAP membership?
Yes, you can. You just need to fill Withdrawal of My Legacy Membership Form from My Legacy. No fees is required and the policy will lapse and no longer in-force. We will destroy your Will after you have cancelled your My Waris EAP membership.
25. How much of Will execution fees should I pay to Perpetual Trustees Berhad?
If the gross value of all the estate (immovable properties, vehicles, shares, unit trust, insurance and Employee Provident Fund with no nominations, etc) is RM 3 million and below, then there will be no charges.

However, this is provided if you pass away before your Seventy-One (71st) birthday. If you pass away at age 71 and beyond, then Perpetual Trustees Berhad will charge the execution fee based on the fixed rate at the time of joining. However, all the Membership Fee and Yearly Subscription fees that you have paid up to the maximum amount depending on plan you have subscribed can be considered as part payment of the Will execution fees and your family just need to pay the balance.

The Will execution locked-in fee is inclusive of the Perpetual Trustees Berhad's service charge, Court Fees, Legal Fees, Memorandum of Transfer (MOT) for immovable properties, Puspakom fee and other miscellaneous expenses in transferring the assets but excluding Properties Valuation fee, Audit fee, overseas movable and immovable assets and any Stamp Duty not paid for the immovable properties.
26. What are covered under the Free Will Execution?
The Free Will Execution only covers the below circumstances;
  1. The Free Will Execution covers members who had passed away between the age of 18 to 70 years old.
  2. Any death due to any pre-existing conditions which were not declared at the time of joining shall be invalid and the Free Will Execution is no longer applicable.
  3. No money shall be payable from the policy if the member family engages other lawyers or trust companies to execute the Will.
  4. The Free Will Execution covers the gross value of all movable and immovable properties in Malaysia not exceeding RM3 million for Classic Plan, RM 6 million for Premier Plan and RM 12 million for VIP Plan. These amounts must not exceed 3 properties and 3 vehicles for Classic Plan, 6 properties and 6 vehicles for Premier Plan and 12 properties and 12 vehicles for VIP Plan.
  5. The Free Will Execution includes ;
    1. Legal fees for Transmission, Transfer of Three (3) properties, Filing of CP57, CKHT 1, 2A and 3 and change of new title for Three (3) properties for for Classic Plan , Six (6) properties for Premier Plan and Twelve (12) Properties for VIP Plan..
    2. Land search for Three (3) to Twelve (12) properties depending on the plan subscribed.
    3. Court filing fees and Notice of Extraction fees
    4. Commissioner of Oaths fees
    5. Court CTC of the Grant of Probate List of Assets and Will for up to the maximum limit of immovable properties and vehicles for each plan.
    6. Stamp Duty (immovable properties must be free from encumbrances)
    7. Registration fees for Transmission and Transfer (Land Office)
    8. Travelling, printing and other miscellaneous expenses
27. What are the fees that is not covered in Free Will Execution ?
The deceased's family needs to pay the extra fees to Perpetual Trustees Berhad when executing the Will for the below situations:
  1. Properties valuation fees and unpaid Stamp Duty
  2. Auditor fees for businesses or companies; and
  3. Overseas movable and immovable properties.
28. I have passed away at age 71 and I do not enjoy the Free Will Execution. But I have paid My Legacy Joining Fee and the Yearly Subscription fee, can I get a refund for all the fees paid?
There is no refund for My Waris EAP Joining Fee and Yearly Subscription Fees paid. However, if your family continues to appoint Perpetual Trustees to be your Will executor or trustee, Perpetual Trustees Berhad will deduct all the fees paid subject to a maximum amount of your subscribed plan from the fixed rate charged on the Will execution, which means that you do not lose a single cent even though you did not enjoy the Free Will Execution.
29. What are the conditions that all my yearly subscription fees paid can be offset?
In order to enjoy the offset of the fees paid, you must fulfill the below conditions :
  1. Pass away after Age 70; or
  2. Continue paying the Yearly Subscription fee every year until age 70.
Customers can offset these paid fees from the fixed Execution fee rate charged, up to a maximum limit of each plan
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