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<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">Hi,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">I’m curious what the heirs plan to do with the real property. Is the property in mom’s name, or was it a joint tenancy property? Is mom the named
insured on the insurance policy? Has the property’s use changed?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">Unless it was joint tenancy, it seems like the heirs are going to have to open a probate eventually, and it may make sense to do it now. You could
potentially open it and close it the same day, after cashing the check and recording the deed. Is the check large enough to cover the probate costs?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">My $.02.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959">John<o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">John Creahan</span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes">206-621-5848<br>
<a href="http://www.cairn-law.com/"><span style="color:#595959">www.cairn-law.com</span></a></span><span style="font-family:"Tw Cen MT",sans-serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#4F6228;mso-no-proof:yes"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";color:#595959;mso-no-proof:yes"><o:p> </o:p></span></p>
</div>
<p class="MsoNormal"><span style="mso-bidi-font-size:11.0pt;mso-bidi-font-family:"Times New Roman";color:#595959"><o:p> </o:p></span></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman"">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-font-family:"Times New Roman""> wsbapt-bounces@lists.wsbarppt.com
[mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Jennifer Johnson<br>
<b>Sent:</b> Friday, December 18, 2015 4:48 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Insurance check issued to deceased person<o:p></o:p></span></p>
</div>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">Good afternoon,<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""><o:p> </o:p></span></p>
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<div>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">Client recently received a check from an insurance company that was issued to the estate of her deceased mother. Her mom passed away four years ago and left a piece of real property
and an insurance policy covering the real property, neither of which were ever transferred by the heirs. She took the check to the bank and, not surprisingly, the bank wants letters testamentary, an EIN for the estate, etc. Also not surprisingly, client
does not want to probate.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""><o:p> </o:p></span></p>
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<div>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">I am wondering if, provided that mom’s estate qualifies, the small estate affidavit might be used to get the bank to either cash the check or let client deposit it? Or to get the
insurance company to reissue a check to the successor instead of the estate? Or perhaps there is a simpler solution that my Friday afternoon brain isn’t thinking of?<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""><o:p> </o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">I appreciate any advice or experience you all may have.<o:p></o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">Thank you,<o:p></o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""><o:p> </o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman"">Jennifer<o:p></o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman""> <o:p></o:p></span></p>
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<div>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">Jennifer Johnson | Attorney<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">Hanigan Law Office, PS<o:p></o:p></span></p>
</div>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">PO Box 39 - 68 Main Street<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">Cathlamet, WA 98612<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">(360) 795-3494<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="mso-fareast-font-family:"Times New Roman";color:black">(360) 795-3001 (f)<o:p></o:p></span></p>
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