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<p class="MsoNormal">I repeat: if the insurance company is trying to make it easy, why fight? Especially if the amount of money is small?<o:p></o:p></p>
<p class="MsoNormal">Phil Jones<o:p></o:p></p>
<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>Dalynne Singleton<br>
<b>Sent:</b> Monday, November 4, 2024 11:18 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">This was a bar exam professional responsibility questions when I took the bar in 2003. A minor cannot sign a legal document and Power of Attorney - the insurer should not
be giving legal advice.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif">I agree the way to go is conservatorship or appoint a custodian for the minor for the minor account. I did that awhile back when a Will which provided real property to two
minor grandchildren. I appointed the father as custodian first and then recorded a deed after a court order was received.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><i><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">Dalynne Singleton</span></i></b><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">Gourley Law Group<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">Snohomish Escrow/The Exchange Connection<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">1002 10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">Snohomish, WA 98291<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">360.568.5065<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">360.568.8092 fax<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual"><a href="mailto:dalynne@glgmail.com" target="_blank"><span style="color:#467886">dalynne@glgmail.com</span></a>
<u>Website: </u><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.glglawgroup.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=4kml89WhbjKTTRbFRCT0kSBR3uoa4b7_3EaqjiUBdvE&m=CEU1IY7b5J87VLYGGR8w23YbAgDPfLkizN_4tgONIpzm5ItP_iWN9OKuxHH0CqvV&s=ZJAgagv7AHJObUdDXK64crL1BhGi6OJ6QJ19EUF5ESM&e=" target="_blank"><span style="color:#467886">www.glglawgroup.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">Attorney/client meetings will be handled virtually whenever possible. If you would like to set a telephone conference, zoom, or in person
meeting, please call or email one my paralegals Valerie <a href="mailto:valerie@glgmail.com">
<span style="color:#467886">valerie@glgmail.com</span></a>, Kelly <a href="mailto:kelly@glgmail.com">
<span style="color:#467886">kelly@glgmail.com</span></a>, or part time paralegal Theresa
<a href="mailto:theresa@glgmail.com"><span style="color:#467886">theresa@glgmail.com</span></a>. Attorney Spencer Clower & paralegal, Kristin Jacobs, can be reached for Estate litigation (<a href="mailto:spencer@glgmail.com"><span style="color:#467886">spencer@glgmail.com</span></a>
and <a href="mailto:kristin@glgmail.com"><span style="color:#467886">kristin@glgmail.com</span></a>).
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-ligatures:standardcontextual">LICENSED IN WASHINGTON. IMPORTANT/CONFIDENTIAL: This e-mail message (and any attachments accompanying it) may contain confidential information,
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notify the sender by reply e-mail, and then destroy all copies of the message and its attachments, if any.<o:p></o:p></span></p>
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<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>Marcus Fry<br>
<b>Sent:</b> Monday, November 4, 2024 11:02 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">You have encountered a common issue. The insurance company is asking for things that don’t work, but they don’t know it because they are just pushing out standard protocol without understanding actual facts. Custodianship is the route
I usually go. Look at 11.114.060 & 070. Minor guardianship is another option.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">-Marcus<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<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>Philip N. Jones<br>
<b>Sent:</b> Monday, November 4, 2024 10:50 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="background:white"><strong><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black;background:white">* NOTICE: EXTERNAL EMAIL *</span></strong><span style="font-size:9.0pt;font-family:"Helvetica",sans-serif;color:black"><o:p></o:p></span></p>
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<p class="MsoNormal">I am tempted to say that the insurance company is trying to make it easy for you, and you should go along. Why fight? This might be the first time in history that a life insurance company is trying to make things easy.<o:p></o:p></p>
<p class="MsoNormal">But be careful of the possible liability. First, who do you represent? Second, what happens if the parents abscond with the money? Will someone (the child) point the finger at you? Perhaps a professional fiduciary might be better.
With a bond.<o:p></o:p></p>
<p class="MsoNormal">How much money is involved? If it is a small amount, the answers might be different than if it is a large amount.<o:p></o:p></p>
<p class="MsoNormal">Phil Jones <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:#000001">Philip N. Jones</span><span style="font-size:1.0pt;font-family:"remialcxesans",serif;color:white"></span><span style="font-size:1.0pt;font-family:"template-Ij3tRfheEeqW9QANOhMLNA",serif;color:white"></span><span style="font-size:1.0pt;font-family:"zone-1",serif;color:white"></span><span style="font-size:1.0pt;font-family:"zones-AQ",serif;color:white"></span><span style="font-size:12.0pt;color:#000001"> <o:p></o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:12.0pt;color:#000001">BLACK </span></b><b><span style="font-size:12.0pt;color:red">|</span></b><b><span style="font-size:12.0pt;color:#000001"> HELTERLINE LLP<o:p></o:p></span></b></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:#000001">805 SW Broadway, Suite 1900<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:#000001">Portland, OR 97205<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:#000001"><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__philip.jones-40bhlaw.com&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=4kml89WhbjKTTRbFRCT0kSBR3uoa4b7_3EaqjiUBdvE&m=CEU1IY7b5J87VLYGGR8w23YbAgDPfLkizN_4tgONIpzm5ItP_iWN9OKuxHH0CqvV&s=EilkTIDewm5KUk_Poudpa1wSnMEmgDdoJPPKNKP7i7Q&e=" target="_blank"><span style="color:#000001;text-decoration:none">philip.jones@bhlaw.com</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:1.0pt;color:white">Philip N. Jones.nosig<o:p></o:p></span></p>
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<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>Ryan Castle<br>
<b>Sent:</b> Monday, November 4, 2024 10:25 AM<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] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">All,<o:p></o:p></p>
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<p class="MsoNormal">I have an issue I have not encountered. The beneficiary of a life insurance policy is a minor child. Grandma is the deceased who listed her grandchild as beneficiary. The parents of the minor child were informed by the insurance company that
the child needed to give power of attorney to the parents in order for the company to distribute funds. This is not a life insurance trust.<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">This sounds odd to me. A minor cannot give power of attorney, is my understanding. Has anyone encountered this issue before? It seems that proving parentage would be sufficient. The minor is 15. Should the minor talk to the insurance company
and give approval for disbursement? What does the insurance company really need? Should the parents set up an account under the UTMA? Should they set up a conservatorship or guardianship in court? What am I missing?<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">Thanks for your help!<br clear="all">
<o:p></o:p></p>
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<p class="MsoNormal"><span class="gmailsignatureprefix">-- </span><o:p></o:p></p>
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<p class="MsoNormal">Ryan Castle (he/him)<o:p></o:p></p>
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<p class="MsoNormal">Castle Law Firm, PLLC<o:p></o:p></p>
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<p class="MsoNormal">Managing Attorney<o:p></o:p></p>
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<p class="MsoNormal">T: 360-685-4260 <o:p></o:p></p>
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<p class="MsoNormal">F: 360-524-6838<o:p></o:p></p>
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<p class="MsoNormal">1313 E. Maple St., Suite 213<o:p></o:p></p>
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<p class="MsoNormal">Bellingham, WA 98225<o:p></o:p></p>
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