It must be expected, nevertheless, that some policyholders, for whatever reason, will never come forward to claim the moneys due. For example, the policyholder may have died without informing his or her heirs of the existence of the policy. The person may have emigrated and discontinued correspondence with the life company or decided that the amount due under the policy was not worth pursuing. Therefore, the Dormant Accounts Act introduced a scheme for disbursement, for charitable purposes or purposes of societal and community benefit, of funds not likely to be reclaimed. Moneys transferred to the fund under this new Bill will be subject to the same disbursements scheme. However, this is still on the basis that sufficient funds will be held back to meet any potential claims from owners.