Protect Your Estate. Preserve Your Legacy. Give Your Family Certainty.

The Estate Trust Program (ETP) is a funded estate administration plan that ensures your estate is properly managed, administered, and distributed according to the Last Will and Testament of the Member. The Protection ETP provides:
- 1. Insurance Trust via Group Term Life Assurance.
- 2. Lock-in fees for Estate Administration.
- 3. Lifetime custody of the Will and Trust Deed by PTB.
- 4. PTB is the appointed Executor & Trustee by the member.

1. Estate administration expense is secured by Group Term Life Assurance
2. Fixed Trustee and Legal Fees
3. Corporate Trustee as an Executor
4. Insurance Trust and Comprehensive Will
5. Lifetime Custody of the Will & Trust Deed

Any individual who is:
1. Not a minor,
2. Is within the age limit of up to 65 years,
3. And does not have any major or chronic health conditions (subject to eligibility requirements for group term life insurance policy)

1. E-membership card that enables family members to contact PTB of the members’ demise.
2. Priority rates for future will writing and establishment of other private Trust and other assets.
3. Personalised estate plan and financial services.

A will is a legal document that states how your assets are to be distributed after your death.

ETP Insurance trust is a structure where the trustee is appointed by the member to secure an insurance policy on behalf of the member, whereby the proceeds of the insurance will be used to fund the estate administration of the deceased member.

Will: Created during the lifetime of the member. However, the distribution takes place upon the death of the member as per the Will.
Insurance Trust: Created during the lifetime of the member to fund the Estate Administration of the deceased member

Estate administration is the process of distributing the member’s estate after death, as per the members last wish and testament. It also involves legal procedures such as applying for a Grant of Probate or Letters of Administration, and dealing with banks, lawyers, creditors, and relevant authorities to ensure the estate is properly and lawfully distributed.

Perpetual Trustees Berhad is a licensed Malaysian trust company will be appointed as Trustee and Executor.

As the appointed Trustee and Executor, PTB amongst others is responsible for:
1. Identifying the assets liabilities & beneficiaries of the estate.
2. Obtaining the letters of Administration or Grant of Probate
3. Dealing with tax returns and liabilities. Administering assets locally & abroad.
4. Settling the estate debts & acting as your trustee for a trust created under your will.
5. Distribution of assets to the beneficiaries, preparing & completing all the relevant accounts.

Yes, you may still enroll in the Estate Trust Program (ETP). Upon enrollment, a new Will will be prepared under ETP, which shall supersede and effectively revoke any previous will. This new Will shall stand as your last Will and Testament unless and until it is replaced or amended in the future.

Yes, you can. Membership fees are non-refundable. However, your Will is still valid and the cost of estate administration must be borne by your Estate. PTB’s appointment as Executor and Trustee remains Valid.

Yes, you may upgrade by:
1. Informing your agent
2. Paying the difference in fees

Yes. For downgrades:
1. Take effect in the next term of renewal
2. Require amendments to the trust structure

Any additional value may be subject to a 3% administration charge on the excess amount.

Yes, you can. A codicil is a legal document used to make minor changes to an existing Will without rewriting the entire document. (RM100 each codicil) and amendment to the Trust Deed is chargeable as well.

No, it does not. Assets oversees fall outside the jurisdiction of Malaysian laws.

1. The insurance component (GTLA) is automatically terminated
2. All other ETP benefits remain valid & effective. However you may incude other assets to fund your estate administration expenses.

Eligibility for the ETP insurance coverage requires that a member be accepted by the policy owner as an insured individual, be below 65 years of age (unless specifically approved in writing by the company), and have premiums paid within the prescribed period; additionally, a medical check-up is required at age 65 and above to maintain or qualify for coverage.

PTB may be notified through:
• Family members
• Next of kin
• Official records / E-Membership card
Members are encouraged to inform their family.

You should:
• Inform your next of kin / E-Membership card
• Keep your documents accessible
• Ensure records are maintained with PTB

Drakkar Capital International Berhad (DCI) is the Business Development Agent for PTB. They are a premier capital holdings firm within the Drakkar Holdings Group. It provides wealth and investment management, corporate advisory, capital deployment, business consultancy, and FinTech solutions, supporting individuals, businesses, and institutions through strategies, guidance, global market access, and tailored outcomes that drive sustainable growth and value.

Perpetual Trustees Berhad is a Malaysian trust corporation registered under the Trustees Act 1949 and Trust Companies Act 1949. It provides professional trust and fiduciary services, including wills, trusts, trusteeship, and estate administration. The company emphasizes professionalism, integrity, and continuity, offering independent third-party oversight to safeguard assets, manage estates, and ensure the orderly transfer of wealth across generations for clients.

Trustee responsibilities will be reassigned in accordance with regulatory requirements.

As early as possible. Estate planning should be done:
• Before risks arise
• While you have sound mind to be able to plan your estate clearly and orderly.

You can join by:
• Registering online / or Walk-Ins
• Contacting an authorized agent
• Completing onboarding and documentation followed by registration fee payment