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<p class="MsoNormal">Always get a copy of the policy and read it. I once had a case in which the policy specified that the ‘next of kin’ got the proceeds if there was no named beneficiary. Thorny issues like what law controls and where was the decedent or
other owner when policy was acquired pop up their heads if you have to litigate such questions.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Roger Hawkes, WSBA # 5173
<o:p></o:p></p>
<p class="MsoNormal"><i><span style="font-size:14.0pt"><o:p> </o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-size:14.0pt">Sultan</span></i> Office: 423 Main (physical office)<o:p></o:p></p>
<p class="MsoNormal"> Box 351, Sultan, WA 98294 (incoming mail)<o:p></o:p></p>
<p class="MsoNormal"> Sultan, WA 98294<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Shoreline Office: 19944 Ballinger Way NE<o:p></o:p></p>
<p class="MsoNormal"> Shoreline, WA 98155<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Phone: 206 367 5000; fax: 206 367 4005<o:p></o:p></p>
<p class="MsoNormal">Email: <a href="mailto:roger@law-hawks.com">roger@law-hawks.com</a>
<o:p></o:p></p>
<p class="MsoNormal">Web site: <a href="http://www.hawkeslawfirm.com/">www.hawkeslawfirm.com</a><o:p></o:p></p>
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<p class="MsoNormal"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Josh Grant<br>
<b>Sent:</b> Wednesday, August 25, 2021 9:42 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] Life Insurance in insolvent estate<o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:13.5pt;color:black">If there is no beneficiary then the estate gets the proceeds and must pay valid claims.</span><span style="font-size:14.0pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:13.5pt;color:black">48.18.410 reads “The lawful beneficiary” ... shall be entitled to the proceeds and avails of the policy against the creditors... of the insured...</span><span style="font-size:14.0pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:13.5pt;color:black">So only creditors of a beneficiary are protected.</span><span style="font-size:14.0pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal"><strong><span style="font-size:18.0pt;font-family:"Calibri",sans-serif;color:#004080">Joshua F. Grant</span></strong><span style="font-size:14.0pt;color:#004080"><br>
</span><span style="font-size:14.0pt;color:black"><img border="0" width="207" height="43" style="width:2.1583in;height:.45in" id="_x0000_i1029" src="cid:image002.png@01D7999F.874513E0" alt="advocates"></span><span style="font-size:14.0pt;color:black"><br>
</span><span style="color:#004080">P. O. Box 619<br>
Wilbur, WA 99185<br>
509 647 5578</span><span style="font-size:14.0pt;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Timothy Lehr
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">Sent:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> Wednesday, August 25, 2021 8:59 AM<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">To:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> WSBA Probate & Trust Listserv
<o:p></o:p></span></p>
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<p class="MsoNormal" style="background:whitesmoke"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black">Subject:</span></b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif;color:black"> [WSBAPT] Life Insurance in insolvent
estate<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black">All,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">I have an estate that has two life insurance policies with no named beneficiaries, and otherwise the estate is insolvent. There are some outstanding debts as well. Wondering if life insurance proceeds payable to
the “estate” are protected from the estate creditors? When I read RCW 48.18.410, it seems to me they are exempt. Any thoughts or am I missing another relevant statute?
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">Thanks! <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="color:black">Timothy C. Lehr<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="color:black">Attorney at Law<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"><img border="0" width="191" height="69" style="width:1.9916in;height:.7166in" id="Picture_x0020_1" src="cid:image003.jpg@01D7999F.874513E0"></span><span style="color:black"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">p: 360.855.0131<o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">e: <a href="mailto:timothy@stileslaw.com">
timothy@stileslaw.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black">w: <a href="http://www.stileslaw.com/">
www.stileslaw.com</a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="color:black">NOTICE</span></b><span style="color:black">: The information contained in this email is proprietary and/or confidential and may be privileged. If you are not the intended recipient of this communication, you
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