Cover land parcels via proper trust setup, not generic nomination fields
Nomination Registry's "trust" channel type previously reused the same nominee/institution fields as EPF/Takaful/bank nominations — wrong shape for a trust, which needs a trustee (and successor) holding title, not a beneficiary named on a policy. Coverage math already counted any nomination-type entry as fast-path regardless of shape, so land parcels were silently "covered" without the actual structure a trust requires. Now: selecting "trust" swaps in trustee/successor-trustee/beneficiaries fields, and adds a dedicated trust-setup drafting-aid export (same treatment as the Waqf deed export) explaining what still needs a real trust company/lawyer to execute. e2e-trust.cjs: new suite verifying the full path for a land parcel — exposed -> trust suggestion -> trustee fields -> deed export -> coverage flips to 100% -> death trigger generates its execution packet. 12/12 passing. Re-verified e2e-uat.cjs (32/32) and e2e-fastpath.cjs (16/16) with no regressions.
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@@ -22,14 +22,51 @@
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{ value: 'trust', label: 'Pre-funded trust / nominee holding', note: 'For land or illiquid assets with no nomination bypass — requires setting up a real trust or nominee entity now, while alive.' }
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];
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const emptyForm = () => ({ linkedAssetId: '', type: 'epf', institution: '', nomineeeName: '', referenceNumber: '', trusteeName: '', successorTrustee: '', trustBeneficiaries: '' });
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let nominations = $state(load('nominations', []));
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let form = $state({ linkedAssetId: '', type: 'epf', institution: '', nomineeeName: '', referenceNumber: '' });
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let form = $state(emptyForm());
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function addNomination() {
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if (!form.linkedAssetId || !form.nomineeeName) return;
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if (!form.linkedAssetId) return;
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if (form.type === 'trust') {
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if (!form.trusteeName) return;
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} else if (!form.nomineeeName) {
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return;
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}
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nominations = [...nominations, { ...form, id: crypto.randomUUID() }];
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save('nominations', nominations);
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form = { linkedAssetId: '', type: 'epf', institution: '', nomineeeName: '', referenceNumber: '' };
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form = emptyForm();
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}
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function exportTrustDeed(n) {
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const asset = assets.find(a => a.id === n.linkedAssetId);
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const lines = [
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'TRUST / NOMINEE HOLDING SETUP — DRAFTING AID',
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`Generated: ${new Date().toISOString().slice(0, 10)}`,
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`Asset: ${asset ? `${asset.type} — ${asset.description}` : '(asset removed)'}`,
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`Trustee: ${n.trusteeName}`,
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`Successor trustee: ${n.successorTrustee || '________________________'}`,
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`Beneficiaries: ${n.trustBeneficiaries || '________________________'}`,
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'',
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'PURPOSE: this asset has no nomination-based probate bypass available (unlike EPF or',
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'Takaful). A pre-funded trust or nominee holding structure — set up and title-transferred',
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'NOW, while the settlor is alive — is the only way to move it out of the probate-bound',
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'estate. Once the trustee holds legal title on the beneficiaries\' behalf, distribution at',
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'death is an internal trustee record update, not a Land Office / court filing.',
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'',
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'ACTION REQUIRED: this document is a drafting aid only. It does not itself create a trust',
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'or transfer title. A licensed trust company, Amanah Raya-equivalent body, or lawyer must',
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'draft the actual trust deed and complete the title transfer at the Land Office (or',
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'equivalent registry) for this to have legal effect and actually bypass probate.',
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'',
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'DISCLAIMER: Not a fatwa. Not legal advice. Drafting aid only.'
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];
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const blob = new Blob([lines.join('\n')], { type: 'text/plain' });
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const url = URL.createObjectURL(blob);
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const a = document.createElement('a');
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a.href = url; a.download = 'trust-setup-draft.txt'; a.click();
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URL.revokeObjectURL(url);
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}
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function remove(id) {
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@@ -63,10 +100,19 @@
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{#each CHANNEL_TYPES as c}<option value={c.value}>{c.label}</option>{/each}
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</select>
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</label>
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<label class="field"><span>Institution</span><input type="text" bind:value={form.institution} placeholder="e.g. KWSP, Bank Islam, Takaful Ikhlas" /></label>
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<label class="field"><span>Nominee name</span><input type="text" bind:value={form.nomineeeName} /></label>
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<label class="field"><span>Reference / policy / account number</span><input type="text" bind:value={form.referenceNumber} /></label>
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<button class="btn-primary" onclick={addNomination}>Add nomination</button>
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{#if form.type === 'trust'}
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<div class="trust-fields">
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<p class="trust-note">Land and other illiquid assets have no legal nomination bypass — a trust needs a trustee, not just a "nominee", and title must actually be transferred to them while you're alive for this to work.</p>
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<label class="field"><span>Trustee</span><input type="text" bind:value={form.trusteeName} /></label>
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<label class="field"><span>Successor trustee</span><input type="text" bind:value={form.successorTrustee} /></label>
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<label class="field"><span>Beneficiaries</span><input type="text" bind:value={form.trustBeneficiaries} placeholder="e.g. equal split among children" /></label>
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</div>
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{:else}
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<label class="field"><span>Institution</span><input type="text" bind:value={form.institution} placeholder="e.g. KWSP, Bank Islam, Takaful Ikhlas" /></label>
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<label class="field"><span>Nominee name</span><input type="text" bind:value={form.nomineeeName} /></label>
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<label class="field"><span>Reference / policy / account number</span><input type="text" bind:value={form.referenceNumber} /></label>
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{/if}
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<button class="btn-primary" onclick={addNomination}>Add {form.type === 'trust' ? 'trust setup' : 'nomination'}</button>
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</div>
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{#each nominations as n (n.id)}
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@@ -75,10 +121,18 @@
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<div class="nomination-row">
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<div class="nomination-info">
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<strong>{asset ? asset.description : '(asset removed)'}</strong>
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<span class="muted">{channelInfo?.label} · {n.institution || '—'}</span>
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<span class="muted">Nominee: {n.nomineeeName} · Ref: {n.referenceNumber || '—'}</span>
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<span class="muted">{channelInfo?.label}{n.type !== 'trust' ? ` · ${n.institution || '—'}` : ''}</span>
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{#if n.type === 'trust'}
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<span class="muted">Trustee: {n.trusteeName} · Successor: {n.successorTrustee || '—'}</span>
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<span class="muted">Beneficiaries: {n.trustBeneficiaries || '—'}</span>
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{:else}
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<span class="muted">Nominee: {n.nomineeeName} · Ref: {n.referenceNumber || '—'}</span>
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{/if}
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</div>
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<div class="row-actions">
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{#if n.type === 'trust'}<button class="export-btn" onclick={() => exportTrustDeed(n)}>Export</button>{/if}
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<button onclick={() => remove(n.id)}>✕</button>
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</div>
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<button onclick={() => remove(n.id)}>✕</button>
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</div>
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{:else}
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<p class="empty">No nominations logged yet.</p>
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@@ -103,4 +157,8 @@
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.muted { color: #8A8478; font-size: 11.5px; }
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.nomination-row button { background: none; border: none; color: #8A8478; cursor: pointer; }
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.empty { font-size: 13px; color: #8A8478; text-align: center; padding: 20px 0; }
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.trust-fields { background: rgba(201,168,76,0.05); border-radius: 10px; padding: 12px; margin-bottom: 12px; }
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.trust-note { font-size: 11.5px; color: #C9A84C; line-height: 1.5; margin-bottom: 10px; }
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.row-actions { display: flex; gap: 8px; align-items: center; }
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.export-btn { background: rgba(46,204,113,0.15); color: #2ECC71; border: none; border-radius: 8px; padding: 6px 10px; font-size: 11px; cursor: pointer; font-weight: 600; }
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</style>
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