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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72" style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal>Problem with disclaimer option is that under federal law I think only surviving spouse can disclaim an asset and then otherwise be a beneficiary of that same asset (e.g. disclaimer trust). Perhaps an indemnity agreement with title company/beneficiaries might work as risk would be low if NTC was given? Good luck! Cy<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><i>Cyrus W. Field, Attorney at Law (admitted in Washington and Oregon); Phone: 360-472-1223 <o:p></o:p></i></p><p class=MsoNormal><i>Mail: POB 367, Shaw Island, WA 98286; Physical Office: 640 Mullis St #214, Friday Harbor, WA</i><o:p></o:p></p><p class=MsoNormal><span style='font-size:8.0pt'>****************************************************************<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:8.0pt'>The information contained in this email message, including attachments, may be privileged, confidential and protected from disclosure. If you are not the intended recipient, any dissemination, distribution or copying is strictly prohibited. If you think you have received this email in error, please email the sender at <a href="mailto:cyfield@rockisland.com"><span style='color:#0563C1'>cyfield@rockisland.com</span></a> and destroy or delete the original and any copies.</span> <o:p></o:p></p></div><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com> <b>On Behalf Of </b>Jennifer L White<br><b>Sent:</b> Tuesday, September 28, 2021 1:58 PM<br><b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBAPT] Title Insurance for Transfer On Death Deed property<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Jane,<o:p></o:p></p><p class=MsoNormal>Off the top of my head:<o:p></o:p></p><ol style='margin-top:0in' start=1 type=1><li class=MsoListParagraph style='margin-left:0in;mso-list:l0 level1 lfo3'>Go to yet another title company. 3<sup>rd</sup> time may be the charm.<o:p></o:p></li><li class=MsoListParagraph style='margin-left:0in;mso-list:l0 level1 lfo3'>If you are within 9 mo’s from death, what about all TODD ben’s signing a disclaimer of their TODD ben status (not anything more). The TODD statute removes deceased ben’s, so if everyone signs this should put the property back into the estate. <o:p></o:p></li></ol><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-family:"Script MT Bold"'>Jennifer L. White, Esq.</span> <span style='font-family:"Script MT Bold"'><o:p></o:p></span></p><p class=MsoNormal><img border=0 width=105 height=105 style='width:1.0972in;height:1.0972in' id="Picture_x0020_4" src="cid:image001.jpg@01D7B477.2ABD0EA0"><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><i><span style='font-family:"Arial Rounded MT Bold",sans-serif'><a href="mailto:jen@appletreelaw.com"><span style='font-style:normal'>jen@appletreelaw.com</span></a><o:p></o:p></span></i></p><p class=MsoNormal><span style='font-family:"Arial Rounded MT Bold",sans-serif'>PO Box 11037<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial Rounded MT Bold",sans-serif'>Yakima, WA 98909<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Arial Rounded MT Bold",sans-serif'>509.225.9813<o:p></o:p></span></p></div><p class=MsoNormal><o:p> </o:p></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>> <b>On Behalf Of </b>Jane Bitz<br><b>Sent:</b> Tuesday, September 28, 2021 1:34 PM<br><b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> [WSBAPT] Title Insurance for Transfer On Death Deed property<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:12.0pt'>Hi All:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>I have a “new to me” issue in an estate. We opened probate on an estate where most of the cash assets passed to the beneficiaries as non-probate transfers. We (and our client) thought that the Estate had to sell a home and lot adjacent to the home. Unknown to our client, her mother had signed a Transfer on Death Deed (TODD) giving the property equally to all of the estate beneficiaries.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>In the process of listing the home, the realtor had preliminary title pulled on the property and the TODD was discovered. Now that Title company and one other have refused to title insure around the TODD until 2 years after the decedent’s death because “the property is subject to the debts of the decedent.”<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Even though I pointed out that the probate is open and creditor’s are being dealt with in the now unnecessary probate, they will not insure around the TODD. Any suggestions, feedback, etc. are welcome.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Thanks.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Jane.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:14.0pt;font-family:"Cambria",serif;color:#4472C4'>Jane G. Bitz</span></b><b><span style='font-size:14.0pt;font-family:"Cambria",serif;color:#1F497D'><o:p></o:p></span></b></p><p class=MsoNormal><span style='font-family:"Cambria",serif;color:#1F497D'>Of Counsel | Wolff, Hislop & Crockett, PLLC<o:p></o:p></span></p><p class=MsoNormal><i><span style='font-family:"Cambria",serif;color:#1F497D'>Helping Good People do Great Things!<o:p></o:p></span></i></p><p class=MsoNormal><span style='font-family:"Cambria",serif;color:#1F497D'>12209 E. 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