<table>
<tr>
                                            <td vAlign="top" align="left" width="1330" height="64">
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">&nbsp;</span></p>
                                              <p class="MsoNormal" style="text-align: center">
                                              <b>
                                              <span style="font-family: Arial">
                                              WILLS ACT, 1971 (ACT 360)</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              ARRANGEMENT OF SECTIONS</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              Section</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              1. Power to make a will</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              2. Execution of a will</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              3. Executors and witnesses</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              4. Incorporation of other 
                                              documents</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              5. Alteration of a will</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              6. Armed Forces wills</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              7. Rules of construction</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              8. Lapsed dispositions</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              9. Revocation of a will</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              10. Revival of revoked will</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              11. Custody of wills</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              12. Deposit of wills found after 
                                              death of testator.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              13. Provision for dependants</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              14. Disposal of insurance money to 
                                              member of family by nomination.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              15. Wills made outside Ghana</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              16. Change of domicile</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              17. Ascertainment of internal law</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              18. Interpretation</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              19. Statutes ceasing to apply and 
                                              savings</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              20. Commencement </span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">&nbsp;</span></p>
                                              <p class="MsoNormal" style="text-align: center">
                                              <span style="font-family: Arial">
                                              THE THREE HUNDRED AND SIXTIETH</span></p>
                                              <p class="MsoNormal" style="text-align: center"></p>
                                              <p class="MsoNormal" style="text-align: center">
                                              <span style="font-family: Arial">
                                              ACT OF THE PARLIAMENT OF THE 
                                              REPUBLIC OF GHANA</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              ENTITLED</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              THE WILLS ACT, 1971</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              AN ACT to regulate the making of 
                                              wills and to give effect to 
                                              provisions therein.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              DATE OF ASSENT: 3rd July, 1971</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              BE IT ENACTED by the President and 
                                              the National Assembly in this 
                                              present Parliament assembled as 
                                              follows:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 1&#8212;Power to Make a Will.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Any person of or above the age 
                                              of eighteen years may in writing 
                                              and in accordance with this Act 
                                              make a will disposing of any 
                                              property which is his or to which 
                                              he will be entitled at the time of 
                                              his death or to which he may be 
                                              entitled thereafter.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) No person suffering from 
                                              insanity or infirmity of mind so 
                                              as to be incapable of 
                                              understanding the nature or effect 
                                              of a will shall have capacity to 
                                              make a will during the continuance 
                                              of that insanity or infirmity of 
                                              mind.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A will, or any provision of a 
                                              will, obtained by fraud or made 
                                              under duress or undue influence, 
                                              shall be void.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 2&#8212;Execution of a Will.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) No will shall be valid unless 
                                              it is in writing and signed by the 
                                              testator or by some other person 
                                              at his direction.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) No signature shall be 
                                              operative to give effect to any 
                                              disposition or direction which is 
                                              underneath or which follows it, or 
                                              which is inserted after the 
                                              signature has been made.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) The signature of the testator 
                                              shall be made or acknowledged by 
                                              him in the presence of two or more 
                                              witnesses present at the same 
                                              time.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) A signature by some other 
                                              person at the direction of the 
                                              testator shall be made by that 
                                              other person in the presence of 
                                              the testator and two or more 
                                              witnesses present at the same 
                                              time.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (5) The witnesses shall attest and 
                                              sign the will in the presence of 
                                              the testator, but no form of 
                                              attestation shall be necessary.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (6) Where the testator is blind or 
                                              illiterate, a competent person 
                                              shall carefully read over and 
                                              explain to him the contents of the 
                                              will before it is executed, and 
                                              shall declare in writing upon the 
                                              will that he had so read over and 
                                              explained its contents to the 
                                              testator and that the testator 
                                              appeared perfectly to understand 
                                              it before it was executed.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 3&#8212;Executors and Witnesses.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Any person of or above the age 
                                              of twenty-one years and having 
                                              capacity to enter into a contract 
                                              may be appointed an executor of a 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Any person appointed by a will 
                                              to be an executor may attest that 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A creditor of the testator may 
                                              be an attesting witness 
                                              notwithstanding that by the will 
                                              the property of the testator is 
                                              charged with the payment of debts.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) Any beneficial disposition of 
                                              or affecting any property other 
                                              than charges or directions for the 
                                              payment of any debt, given by a 
                                              will to a person who attests the 
                                              execution of that will, shall be 
                                              void unless the will is duly 
                                              executed without his attestation 
                                              and without that of any other such 
                                              person.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 4&#8212;Incorporation of Other 
                                              Documents.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) A will may not incorporate 
                                              another document unless that 
                                              document was in existence at the 
                                              time the will was executed and is 
                                              sufficiently identified in the 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Oral evidence shall be 
                                              admissible for the purpose of 
                                              identification.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 5&#8212;Alteration of a Will.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) No alteration made in a will 
                                              shall have effect unless it is 
                                              separately executed in the same 
                                              manner as is required for the 
                                              execution of the will, or unless 
                                              it has been made valid by the 
                                              re-execution of the will or by the 
                                              subsequent execution of some 
                                              codicil thereto.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Notwithstanding section 2 (2), 
                                              a separate execution of an 
                                              alteration shall be deemed 
                                              sufficient if it is apparent on 
                                              the face of the will that the 
                                              testator intended to give effect 
                                              by such execution to the 
                                              alteration.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 6&#8212;Armed Forces Wills.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Notwithstanding any provision 
                                              of this Act to the contrary, any 
                                              member of the Armed Forces of 
                                              whatever age may, while engaged on 
                                              active service, make a will in any 
                                              of the following forms:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) written and unattested, if the 
                                              material provisions and signature 
                                              are in the handwriting of the 
                                              testator;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) written (whether or not in the 
                                              handwriting of the testator) and 
                                              attested by one witness;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (c) orally before two witnesses.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Any beneficial disposition of 
                                              or affecting any property other 
                                              than charges or directions for the 
                                              payment of any debt, given by a 
                                              will made under this section to a 
                                              witness to that will, shall be 
                                              void unless the will is duly 
                                              executed (if written) or witnessed 
                                              (if oral) without his attestation 
                                              and without that of any other such 
                                              person.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A will made in accordance with 
                                              this section shall remain valid 
                                              even though the testator ceases to 
                                              be a member of the Armed Forces.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) A will made in accordance with 
                                              this section may be revoked by 
                                              another will made in accordance 
                                              with this section or by any of the 
                                              means of revocation provided in 
                                              section 9.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (5) A will made in accordance with 
                                              this section may revoke an earlier 
                                              will made by the testator in 
                                              accordance with section 2.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 7&#8212;Rules of Construction.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) A will shall take effect as if 
                                              it had been executed immediately 
                                              before the death of the testator, 
                                              unless a contrary intention 
                                              appears from the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) A disposition of immovable 
                                              property without any words of 
                                              limitation shall pass the whole of 
                                              the estate or interest therein 
                                              which the testator has power to 
                                              dispose of by will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A general disposition of the 
                                              land of a testator or of his land 
                                              at any place, or in the occupation 
                                              of any person or otherwise 
                                              described in a general manner, 
                                              shall include lands of whatsoever 
                                              estate or tenure, unless a 
                                              contrary intention appears from 
                                              the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) A general disposition of the 
                                              movable or immovable property of a 
                                              testator shall include any 
                                              property to which he may have 
                                              power to appoint in any manner he 
                                              may think fit.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (5) A general or residuary 
                                              disposition shall operate to 
                                              confer a power to exercise a power 
                                              of appointment, unless a contrary 
                                              intention appears from the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (6) A residuary disposition shall 
                                              include property comprised in 
                                              lapsed and void dispositions, 
                                              unless a contrary intention 
                                              appears from the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (7) Where a testator and a 
                                              beneficiary under his will die in 
                                              circumstances:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) in which it appears that their 
                                              deaths were simultaneous; or</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) rendering it uncertain which 
                                              of them survived the other,</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              the beneficiary shall be deemed to 
                                              have survived the testator for all 
                                              purposes affecting the entitlement 
                                              to property under the will of that 
                                              testator; but for the purposes of 
                                              the entitlement of such testator 
                                              to that property under any will of 
                                              the aforementioned&nbsp; beneficiary, 
                                              that beneficiary shall be deemed 
                                              to have survived the 
                                              aforementioned testator, unless a 
                                              contrary intention appears from 
                                              the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 8&#8212;Lapsed Dispositions.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) A disposition made to a person 
                                              who predeceases the testator or 
                                              which is contrary to law or 
                                              otherwise incapable of taking 
                                              effect shall lapse and fall into 
                                              residue, unless a contrary 
                                              intention appears from the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Notwithstanding subsection 
                                              (1), a disposition made by a 
                                              testator to his descendant (other 
                                              than for an estate determinable at 
                                              or before the death of that 
                                              descendant) shall not lapse where 
                                              that descendant predeceases the 
                                              testator leaving issue surviving 
                                              the testator, but shall take 
                                              effect as a disposition to such 
                                              issue per stirps, unless a 
                                              contrary intention appears from 
                                              the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 9&#8212;Revocation of a Will.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) A will may be revoked by 
                                              tearing or other physical 
                                              destruction by the testator or by 
                                              some other person in his presence 
                                              and by his direction with the 
                                              intention of revoking it.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) A will may be revoked by a 
                                              written declaration of intention 
                                              to revoke, executed in the same 
                                              manner as a will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A will may be revoked by the 
                                              execution of another will which is 
                                              expressed to revoke the previous 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) A will which is not expressed 
                                              to revoke a previous will shall 
                                              not be deemed to have revoked that 
                                              previous will except to the extent 
                                              that it is inconsistent with the 
                                              previous will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (5) Where a testator destroys a 
                                              will&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) as a result of fraud or undue 
                                              influence; or</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) under a mistake of fact or law 
                                              intending to make some other 
                                              disposition of his property which 
                                              is not validly made, such 
                                              destruction shall not be deemed to 
                                              have revoked the will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 10&#8212;Revival of Revoked 
                                              Will.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) No will or any part of a will 
                                              which is in any manner revoked 
                                              shall be revived otherwise than by 
                                              its re-execution or by a written 
                                              declaration of intention to revive 
                                              it, executed in the same manner as 
                                              a will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Whenever a will which is 
                                              partly revoked and afterwards 
                                              wholly revoked is revived, the 
                                              revival shall extend to the whole 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 11&#8212;Custody of Wills.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              Any person may, in his lifetime, 
                                              deposit for safe custody in the 
                                              High Court his own will, sealed up 
                                              under his own seal and the seal of 
                                              the Court.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 12&#8212;Deposit of Wills Found 
                                              After Death of Testator.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Any person who has in his 
                                              possession or under his control 
                                              any paper or writing of any 
                                              deceased person, being or 
                                              purporting to be testamentary, 
                                              shall immediately deposit it with 
                                              the High Court or any other Court.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) If the Court with which any 
                                              such paper or writing is deposited 
                                              is not the High Court it shall 
                                              forthwith cause it to be 
                                              transmitted to the High Court.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) Any person who fails to 
                                              deposit any such paper or writing 
                                              as required by subsection (1) of 
                                              this section within fourteen days 
                                              after having knowledge of the 
                                              death of the deceased, shall be 
                                              guilty of an offence and liable on 
                                              conviction to a fine not exceeding 
                                              N¢10,000 or to imprisonment not 
                                              exceeding ten years or to both.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 13&#8212;Provision for 
                                              Dependants.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) If, upon application being 
                                              made, not later than three years 
                                              from the date upon which probate 
                                              of the will is granted, the High 
                                              Court is of the opinion that a 
                                              testator has not made reasonable 
                                              provision whether during his 
                                              lifetime or by his will, for the 
                                              maintenance of any father, mother, 
                                              spouse or child under 18 years of 
                                              age of the testator, and that 
                                              hardship will thereby be caused, 
                                              the High Court may, taking account 
                                              of all relevant circumstances, 
                                              notwithstanding the provisions of 
                                              the will, make reasonable 
                                              provision for the needs of such 
                                              father, mother, spouse or child 
                                              out of the estate of the deceased.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Without prejudice to the 
                                              generality of subsection (1), such 
                                              reasonable provision may include&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) payment of a lump sum, whether 
                                              immediate or&nbsp; deferred, or grant 
                                              of an annuity or a series of 
                                              payments;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) grant of an estate or interest 
                                              in immovable property for life or 
                                              any lesser period.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 14&#8212;Disposal of Life 
                                              Insurance Money to Member of 
                                              Family by Nomination.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Notwithstanding anything in 
                                              this Act or any other enactment, 
                                              where a person takes out a policy 
                                              of life insurance on his life for 
                                              a sum which is expressed on the 
                                              face of the policy to be for the 
                                              benefit of a member of his family 
                                              then, unless the nomination of 
                                              that member is expressly revoked 
                                              by a will duly made in accordance 
                                              with this Act or in any other 
                                              manner approved by the contract of 
                                              insurance, upon the death of the 
                                              insured person, the sum assured 
                                              shall not form part of his estate 
                                              but shall, subject to the 
                                              provisions of this section, be 
                                              paid to the person so nominated.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) A nomination to which 
                                              subsection (1) of this section 
                                              applies shall become void if the 
                                              person nominated predeceases the 
                                              insured person.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) Subsection (7) of section 7 of 
                                              this Act shall, with such 
                                              modifications as may be necessary, 
                                              apply to any such nomination as it 
                                              applies to a disposition in a 
                                              will.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) Subject to subsections (5) and 
                                              (6) of this section, any insurer 
                                              who, in good faith and without 
                                              notice of any revocation referred 
                                              to in subsection (1) of this 
                                              section pays the sum assured to or 
                                              for the benefit of the person 
                                              nominated in respect thereof shall 
                                              be deemed to be duly discharged in 
                                              respect of that sum.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (5) Where a person nominated as 
                                              entitled to receive any moneys 
                                              under a policy of life insurance 
                                              after the death of the person 
                                              insured is a minor, or of unsound 
                                              mind or suffering from any other 
                                              disability rendering him unfit to 
                                              manage his own affairs, the High 
                                              Court may, upon application made 
                                              to it for the purpose, appoint any 
                                              person to administer the aforesaid 
                                              moneys in accordance with the 
                                              order of the Court and on behalf 
                                              of such nominee.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (6) Without prejudice to the 
                                              provisions of subsection (5), the 
                                              powers conferred upon the High 
                                              Court by that subsection may be 
                                              exercised:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) by a District Court, in any 
                                              case where the sum assured does 
                                              not exceed two thousand new cedis;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) by a Circuit Court, in any 
                                              case where the sum assured exceeds 
                                              two thousand new cedis but does 
                                              not exceed four thousand new cedis.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (7) This section shall have effect 
                                              without prejudice to the 
                                              provisions of section 5 of the 
                                              Contracts Act, 1960 (Act 25).</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (8) This section shall apply to 
                                              all sums assured which are to be 
                                              paid after the commencement of 
                                              this Act whether the policy or 
                                              nomination in question was taken 
                                              out or effected before or after 
                                              such commencement.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (9) In this section&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;member of family&quot; means&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">a 
                                              spouse, child, parent, 
                                              grandparent, parents child, 
                                              brother's child, sister's child, 
                                              grandchild, parents' brother or 
                                              sister, parents' brother's child, 
                                              parents' sister's child, step 
                                              brother or sister or step child;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;policy of life insurance&quot; means&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">a 
                                              policy issued by an insurer upon 
                                              any life or lives or upon any 
                                              event or contingency relating to 
                                              or depending upon any life or 
                                              lives;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &#8220;sum assured&quot; includes any moneys 
                                              payable by an insurer in respect 
                                              of a policy which has lapsed.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 15&#8212;Wills Made Outside 
                                              Ghana.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) A will shall be deemed to be 
                                              properly executed if its execution 
                                              conformed to the internal law in 
                                              force in the territory where it 
                                              was executed, or in the territory 
                                              where at the time of its execution 
                                              or of the testator's death, he was 
                                              domiciled or had his habitual 
                                              residence or in a state of which 
                                              he was a national at either of 
                                              those times.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) Without prejudice to 
                                              subsection (1), the following 
                                              shall be deemed to be properly 
                                              executed:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) a will executed on board a 
                                              vessel or aircraft of any 
                                              description, if its execution 
                                              conformed to the internal law in 
                                              force in the territory with which 
                                              having regard to its registration 
                                              if any and other relevant 
                                              circumstances, the vessel or 
                                              aircraft may be taken to have been 
                                              most closely connected;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b)&nbsp; a will so far as it disposes 
                                              of immovable property, if its 
                                              execution conformed to the 
                                              internal law in force in the 
                                              territory where the property was 
                                              situated;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (c) a will so far as it revokes a 
                                              will which under this Act would be 
                                              deemed to be properly executed or 
                                              revokes a provision which under 
                                              this Act would be deemed to be 
                                              comprised in a properly executed 
                                              will, if the execution of the 
                                              later will conforms to any law by 
                                              reference to which the revoked 
                                              will or provision would be so 
                                              deemed;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (d) a will so far as it exercises 
                                              a power of appointment if the 
                                              execution of the will conformed to 
                                              the law governing the essential 
                                              validity of the power.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) A will so far as it exercises 
                                              a power of appointment shall not 
                                              be deemed to be improperly 
                                              executed by reason only that its 
                                              execution was not in accordance 
                                              with any formal requirements 
                                              contained in the instrument 
                                              creating the power.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (4) Where a law in force outside 
                                              Ghana falls to be applied in 
                                              relation to a will, any 
                                              requirement of that law whereby&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) special formalities are to be 
                                              observed by testators answering a 
                                              particular description; or</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) witnesses to the execution of 
                                              a will are to possess certain 
                                              qualifications, </span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              shall be deemed to be a formal 
                                              requirement only, notwithstanding 
                                              any rule of that law to the 
                                              contrary.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 16&#8212;Change of Domicile.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">A 
                                              will shall not be held to be 
                                              revoked or to have become invalid, 
                                              and its construction shall not be 
                                              altered, by reason of any 
                                              subsequent change of domicile of 
                                              the testator.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 17&#8212;Ascertainment of 
                                              Internal Law.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) Where under this Act the 
                                              internal law in force in any 
                                              territory or state is to be 
                                              applied in the case of a will, but 
                                              there are in force in that 
                                              territory or state two or more 
                                              systems of internal law relating 
                                              to the formal validity of wills, 
                                              the system to be applied shall be 
                                              ascertained as follows:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (a) if there is in force 
                                              throughout the territory or state 
                                              a rule indicating which of those 
                                              systems can properly be applied in 
                                              the case in question, that rule 
                                              shall be followed; or</span></p>
                                              <p class="MsoNormal" style="text-align: justify; margin-left: 36.0pt">
                                              <span style="font-family: Arial">
                                              (b) if there is no such rule, the 
                                              system shall be that with which 
                                              the testator was most closely 
                                              connected at the relevant time; 
                                              and for this purpose the relevant 
                                              time is the time of the testator's 
                                              death where the matter is to be 
                                              determined by reference to 
                                              circumstances prevailing at his 
                                              death, and the time of execution 
                                              of the will in any other case.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) In determining for the 
                                              purposes of this Act whether or 
                                              not the execution of a will 
                                              conformed to a particular law, 
                                              regard shall be had to the formal 
                                              requirements of that law at the 
                                              time of execution, but this shall 
                                              not prevent account being taken of 
                                              an alteration of law affecting 
                                              wills executed at that time if the 
                                              alteration enables the will to be 
                                              treated as properly executed.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 18&#8212;Interpretation.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              In this Act, unless the context 
                                              otherwise requires:&#8212;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &#8220;active service&quot; has the meaning 
                                              given to it by section 98 of the 
                                              Armed Forces Act, 1962 (Act 105);</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &#8220;child&quot; includes a person adopted 
                                              under any enactment for the time 
                                              being in force relating to 
                                              adoption, any person recognised by 
                                              the person in question to be his 
                                              child or to whom he stands in loco 
                                              parentis, and in the case of a 
                                              Ghanaian, includes also any person 
                                              recognised by customary law to be 
                                              the child of such person;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;descendant&quot; means a child or 
                                              grandchild of the testator;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;internal law&quot; in relation to any 
                                              territory or state means the law 
                                              which would apply in a case where 
                                              no question of law in force in any 
                                              other territory or state arises;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;property&quot; includes movable and 
                                              immovable property and any right, 
                                              benefit, expectancy or other 
                                              interest;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &#8220;spouse&quot; means the wife or husband 
                                              of a deceased person;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &#8220;state&quot; means a territory or group 
                                              of territories having its own law 
                                              of nationality;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              &quot;will&quot; includes a codicil and any 
                                              other testamentary instrument, and 
                                              &quot;testator&quot; shall be construed 
                                              accordingly.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 19&#8212;Statutes Ceasing to 
                                              Apply and Savings.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (1) The English statutes relating 
                                              to wills as they apply in Ghana 
                                              shall cease to apply.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (2) This Act shall only apply to 
                                              wills made after the commencement 
                                              of this Act.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              (3) This Act shall not affect the 
                                              validity of oral testamentary 
                                              dispositions made in accordance 
                                              with customary law.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <b>
                                              <span style="font-family: Arial">
                                              Section 20&#8212;Commencement.</span></b></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">
                                              This Act shall come into force on 
                                              the first day of June, 1971.</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">&nbsp;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">&nbsp;</span></p>
                                              <p class="MsoNormal" style="text-align: justify">
                                              <span style="font-family: Arial">&nbsp;</span></td>
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          <td width="76" height="50" bgcolor="#003366">&nbsp;</td>
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