With the birth of his daughter, Heartland Boy has a genuine dependent on his hands now. This has prompted him and his wife to review their insurance policies to ensure that they are comprehensive enough to cater for an additional dependent should anything untoward happen to them. The next major financial action to take is to write his own will after such a life-changing event. This led him to MoneyOwl, which provides online will writing services in Singapore.

If Heartland Boy passes away without making a will, intestacy laws will determine how his estate (assets) are distributed to his beneficiaries. Based on his current family make-up, that means that half of his assets will go to Heartland Girl (surviving spouse) and the other half will go to Heartland Baby. While his current assets