Binnaem Travel & Tours Sdn Bhd

Create Your Personalized Life Plan.

Let Alya, our AI-powered Virtual Advisor, provide you with valuable insights and tailored recommendations to help you take control of your future—all at no cost to you!

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Islamic

Conventional

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Dependent (Children)

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You can proceed without providing the following information but it will be helpful to create a complete Life Planning for you.

Monthly Income (RM)

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Gender

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We will assist you in preparing a complete and Shariah-compliant Will.

The purpose of a Will is to:

Appoint an Executor or Estate Administrator
Appoint a Guardian of Assets for minors or persons with disabilities (OKU)
Bequeath assets to non-heirs (up to one-third of your total estate)

Appoint an Executor or Estate Administrator
You may appoint up to 4 Executors

Example:
Ahmad bin Abdullah (Son)
Fatimah bte Adam (Wife)

What is an Executor
An Executor is a person appointed by the testator in the Will to administer the estate after the testator’s death, including fulfilling the testator’s wishes and instructions.

You may appoint either an individual or an organization such as a trust company. The testator is free to appoint anyone as the Executor, whether from among the heirs or trusted friends.

Appoint a Property Guardian
For those who have children who are still minors or persons with disabilities (PWD)

Do you have children who are still minors or persons with disabilities (OKU)?

Yes

Husband

Yes

Note: It is highly recommended to appoint the wife as the Property Custodian for the children.

The father is the primary and rightful custodian of both the person and the property of his underage children. When the father passes away, the legal right of guardianship over the child is transferred to the paternal grandfather (the father of the husband, i.e., the wife’s father-in-law). If the grandfather has also passed away, the guardianship right will then transfer to the executor (wasi) appointed by the father.

If the father did not leave a will at the time of his death and his father (the child’s grandfather) has also passed away, the wife does not have the legal right under Islamic law to manage her underage child’s property. In such a case, the inheritance received by the child will be handed over to Amanah Raya to be managed until the child reaches adulthood.

Note: It is best to request your husband to prepare a will and appoint you as the Property Custodian.

The father is the primary and rightful custodian of both the person and the property of his underage children. When the father passes away, the legal right of guardianship is transferred to the paternal grandfather (i.e., the husband’s father or the wife’s father-in-law). If the grandfather has also passed away, the right of guardianship is then transferred to the executor (wasi) appointed by the father in his will.

If the father did not leave a will at the time of his death and his own father has also passed away, then the wife does not have the legal right under Islamic law to manage the property of her underage children. In such a case, the inheritance received by the children will be entrusted to Amanah Raya to be managed until they reach adulthood.

Note: If you are already divorced and your ex-husband is still alive, he is the Property Custodian for your children. There is no need to appoint another Property Custodian.

Note: If you are already divorced and your ex-wife is still alive, you may appoint her as the Property Custdian for these children.

Example:
Fatimah bte Adam (Wife)

You don’t have to appoint any Property Custodian

You may bequeath up to 1/3 of your total estate to:

Non-heirs (such as adopted children)
Heirs who are excluded from inheritance (for example, grandchildren from a deceased son when you still have another living son)
Donate as Waqf to organizations (Charitable Bodies, Waqf Foundations, etc.).

Do you intend to bequeath a portion of your property to non-heirs?

Yes

Since you do not intend to bequeath any portion to non-heirs, all of your assets will be distributed according to Faraid (Islamic inheritance law) or equally, with the agreement of all heirs.

Example
House in Taman Aman (RM500,000)
– Kamal bin Abdullah (Adopted Son) 50%
– Aminah bte Abdullah (Adopted Daughter) 50%

Agricultural Land in Kuala Pilah (RM100,000)
– Waqf Foundation – 100%

The balance, after deducting the portion bequeathed to non-heirs, will be distributed among your heirs according to Faraid (Islamic inheritance law) or equally, with the agreement of all heirs.

You may also prepare other inheritance documents such as a Hibah Declaration and Matrimonial Property (Harta Sepencarian). Our consultants are ready to assist you in planning the distribution of your assets so that it reflects your wishes, is fair, and complies with Shariah law.

However, it is IMPORTANT that you prepare this Will document first. By appointing an Executor and a Guardian of Assets, you will ease the responsibilities of your heirs.

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