Have you nominated a beneficiary under your insurance cover, pension, sacco or investment scheme? In Kenyan law, the benefits payable under such covers or plans do not form part of the estate of the nominator upon their demise which means that they cannot be passed under a will and cannot be subject to probate/administration proceedings. Thus, the right of the nominated beneficiary will override the right of an heir despite any attempt to bequeath the benefits in a will. It is therefore crucial for you to keenly consider who your preferred nominees will be and the allocation of the share of the funds that you will give each of your nominees. It is also advisable to update your nominations regularly to ensure that you include your intended beneficiaries.