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Last time, my insurance's changes of beneficiaries was done at the Insurance's office and need two witnesses.
I used the insurance's customer service officers as witnesses.
if its a complicated insurance matter, sorry, i am not sure.
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HDB is a very complicated matter due to its changes in policies.
perhaps, she can firstly check with HDB Legal Dept for a basic understanding.
Moreover, at HDB Hub in toa payoh, there are many Law firms.
I tink their prices are about the same.
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Hope this helps....
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xxx