My name is Kamsi, and I’m 18. Six months ago, we buried Dad. Life changed that day, not just because we lost him, but because everything that held our world together began to fall apart.

At first, Dad’s brothers were kind. They came around often, offering comfort and support. But it didn’t last. One afternoon, they called a family meeting and told Mum we had three weeks to vacate our home so they could sell it. My own father’s house.

I will never forget how small Mum looked that day. But then she remembered something that changed everything; Dad had written a Will.

When the lawyer read it, we discovered that Dad had left everything to Mum. The house, the savings, the cars. Just like that, the storm calmed. My uncles had no say, and we were safe. For the first time in weeks, I saw Mum breathe again.

But last night, Mum passed in her sleep. The doctors said her blood pressure had spiked. Maybe her heart couldn’t take the grief of losing Dad. Now the house feels too quiet, and my siblings and I are left wondering what happens next. Does Dad’s Will still protect us, or does everything end with Mum?

Here’s what I’ve learned. A Will covers exactly what it says and who it names. When Dad willed everything to Mum, those things legally became hers. If his Will didn’t include a clause stating that the property should pass to us if she died, then we need to find out if Mum wrote her own Will.

If she didn’t, our next step would be to apply for what’s called a Letter of Administration from the court. It’s an official document that allows us to take charge of her estate and manage what she left behind.

It sounds simple, but in reality, these things can be complicated and emotionally draining. Between the loss, the paperwork, and family tension, it helps to have professionals who understand how estate matters work. They can guide families like ours through the process and ensure that what our parents worked hard for truly ends up where it belongs.

Kamsi’s story is not just about loss; it’s about learning. Life can change in a moment and love alone isn’t enough to protect those we care about. Planning ahead with a clear and updated Will, gives your family peace when they need it most.

Because even when you’re gone, clarity is one of the greatest gifts you can leave behind. Call us today at 02012715002, or write to us today at armtrustees-PT@arm.com.ng