If I die today...

Recently i got to know an ex colleague of mine just lost his husband in an accident. And she couldn't see the husband for the last time, as the accident occurred oversea and his remain was buried there. Bergenang airmata bila dengar cerita ni. He left 2 children aged 7 and 2 years old. Bayangkan perasaan anak-anak bila dapat tau, yang ayahnya pergi outstation tapi takkan balik forever. Tak masuk lagi perasaan si isteri. Mau tak bergenang airmata. Itulah dinamakan ajal maut itu pasti cuma masa yang akan menentukannya. 

If i were to die today, have i prepare enough for my partner and kids to survive on their own? It may sound materialistic but its the reality. Some of the things that we can prepare ourselves for any unfortunate events

1. Wasiat

Mungkin harta kita tak seberapa, tapi jangan lupa buat wasiat untuk waris-waris kita yang berhak. Kalau takde wasiat, harta akan dibahagikan secara faraid. Senaraikan semua harta and akaun bank yang ada dan wasiatkan la kepada waris. More info from JAKIM.

2. EPF

Jangan lupa buat penamaan waris untuk EPF! Banyak tu EPF kalau dah 10 tahun kerja kan. So sedikit sebanyak duit ni boleh meringankan beban waris kelak. Sesiapa yang tak buat lagi yang ini, sila ke pejabat KWSP. Penamaan waris boleh diubah bila-bila masa. More info on EPF Death Withdrawal.

3. Insurance

If you are the main breadwinner, make sure you have an insurance policy. Generasi sekarang dah makin terbuka minda pasal insurance. Mungkin bulan-bulan bayar premium kita tak nampak hasilnya. Tapi kita tak tau apa yang akan berlaku in the future. So this is a 'saving' for the uncertainties of the future. 

4. Education Plan

If you have kids, please take an education policy for them. Some may say, SSPN or ASD is enough. But having education plan for your kids is a better option. Why? because when the depositor died, the insurance company will continue the payment till its maturity. Walla ur kids education fund is already there when he/she needs it.

So have we prepared ourselves, if we were to die today?