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<p class="MsoNormal">Hi Carol,<o:p></o:p></p>
<p class="MsoNormal">The default when no beneficiary is named is governed by the insurance company contract – the policy. You should ask for a full copy of the policy to review for the fall back distribution.<o:p></o:p></p>
<p class="MsoNormal">Good luck!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<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 width="105" height="105" style="width:1.0958in;height:1.0958in" id="Picture_x0020_2" src="cid:image002.jpg@01D7F102.F9C33EF0"><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="color:#0563C1;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>
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<p class="MsoNormal"><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>Carol Hunter<br>
<b>Sent:</b> Tuesday, December 14, 2021 3:51 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Life Insurance/Interplay with Will<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Dear Listmates,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I represent a PR in an estate in which there is a specific bequest that essentially says:<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">“If the Estate receives proceeds from any life insurance policy, then those proceeds shall be distributed to (individual)”<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The decedent did in fact have a policy, and no beneficiary was named.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The life insurance agent is telling the PR that when there is no beneficiary named, then the funds follow a “hierarchy” (his words) – akin to intestate succession as far as I can tell, payable directly to those individuals.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">It is my understanding that a policy lacking a beneficiary would default to the Estate.
<o:p></o:p></p>
<p class="MsoNormal">Any thoughts? <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">Sincerely, <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">Carol J. Hunter<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">Attorney at Law<o:p></o:p></span></p>
<p class="MsoNormal"><img border="0" width="106" height="106" style="width:1.1041in;height:1.1041in" id="Picture_x0020_3" src="cid:image003.png@01D7F102.F9C33EF0"><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">Hunter Elder Law, PLLC<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">2208 W Second Ave.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">Spokane, WA 99201<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy">509-747-0101<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;color:navy"><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.hunterelderlaw.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=kDcM-fraYQNOZ1rCslLoMSSRXJQXmQVvRJbE6ymQGho&m=GX-fQWCnZc862XNfeQJzDksj69SoPLIyOXqYD_xmeWc&s=7iQM7GnIWqQ_h2av79QPaGGyIjqgh0Xnyzj1ElpkGqI&e=">www.HunterElderLaw.com</a>
<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#C0504D">Hunter Elder Law PLLC follows current government mandates and recommendations with regard to the COVID-19 virus so we may continue to serve the general,
elderly and high risk populations. We continue to limit the number of persons in the office conference to two (plus the attorney), by appointment only. We request that all parties follow safety requirements of facial coverings and 6 feet social distance spacing
at all times (if you do not have a mask, we will provide one to you). We encourage Zoom video conferencing for all non-signing appointments, and electronic communications or mail to reduce in person contact when possible. We appreciate your understanding
and cooperation during this time. </span></b><span style="font-size:10.0pt"><o:p></o:p></span></p>
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