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<p class="MsoNormal">You need to look at the policy. Pretty unusual language that agent is citing and I think the agent should stay in his/her lane. The policy is likely payable to the estate (as opposed to saying intestate heirs), and therefore, the Will
controls the disposition.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p style="FONT-SIZE: 10pt; FONT-FAMILY: ARIAL"><br><strong>Marcus
J. Fry</strong><br>Attorney | Witherspoon • Kelley<br><a href="mailto:mjf@witherspoonkelley.com">mjf@witherspoonkelley.com</a> | <a href="https://www.witherspoonkelley.com/marcus-j-fry">Attorney Profile</a>
| <a href="https://www.witherspoonkelley.com/s/mfj.vcf">vCard</a></p><br>
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<p style="FONT-SIZE: 10pt; FONT-FAMILY: Arial" align="right"><font color="#ffffff">222 N. 3rd Street<br>Yakima, WA 98901<br>(509)
248-7220 (office)<br>(509) 575-1883 (fax)<br>witherspoonkelley.com</font></p></td></tr></tbody></table><font color="#828282"><span style="FONT-SIZE: 8pt"><br><em>Confidentiality Notice: The
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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 width="106" height="106" style="width:1.1041in;height:1.1041in" id="Picture_x0020_3" src="cid:image001.png@01D7F104.7BD8D4D0"><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>
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<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://link.edgepilot.com/s/b075401e/sXNnYpUbskqS3h1LbxBDPA?u=http://www.hunterelderlaw.com/">https://link.edgepilot.com/s/b075401e/sXNnYpUbskqS3h1LbxBDPA?u=http://www.hunterelderlaw.com/</a>
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