Generally, benefits from any insurance policy will be paid to the people you name on the policy. Nominations made under the insurance policy cannot be overridden by your Will. The same goes for your EPF money, where the payments from your Employee Provident Fund (EPF) will be made in line with your registered nominations. However, in the event that the EPF/insurance policy does not have a record of your nomination or your nominee predecease you, your EPF money and/or insurance policy will be paid according to your Will.