- Setting Nominee(s) isn't enough. You need a WILL.
- If you do not have a WILL, your assets are distributed according to the rules of *the respective succession act which applies to your religion*
- A nominee is **not** a beneficiary, only a custodian of your assets. They are bound by law to distribute those assets to the rightful heir.
- WILL supersedes a legal heir certificate, though, so it is the single most important document which follows your *actual* wishes.
- You should do both Nominee and WILL.