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<p class="MsoNormal"><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;mso-bidi-font-size:11.0pt;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">This was a bar exam professional responsibility questions when I took the
bar in 2003.<span style="mso-spacerun:yes"> </span>A minor cannot sign a legal document and Power of Attorney - the insurer should not be giving legal advice.<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;mso-bidi-font-size:11.0pt;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman"">I agree the way to go is conservatorship or appoint a custodian for the
minor for the minor account.<span style="mso-spacerun:yes"> </span>I did that awhile back when a Will which provided real property to two minor grandchildren.<span style="mso-spacerun:yes">
</span>I appointed the father as custodian first and then recorded a deed after a court order was received.<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;mso-bidi-font-size:11.0pt;font-family:"Book Antiqua",serif;mso-bidi-font-family:"Times New Roman""><o:p> </o:p></span></font></p>
<div>
<p class="MsoNormal"><b><i><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;font-style:italic;mso-no-proof:yes">Dalynne
Singleton</span></font></i></b><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes"><o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">Gourley
Law Group<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">Snohomish
Escrow/The Exchange Connection<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">1002
10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">Snohomish,
WA 98291<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">360.568.5065<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><b><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;font-weight:bold;mso-no-proof:yes">360.568.8092
fax<o:p></o:p></span></font></b></p>
<p class="MsoNormal"><font size="4" face="Book Antiqua"><span style="font-size:14.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;mso-no-proof:yes"><a href="mailto:dalynne@glgmail.com" target="_blank"><font color="#467886"><span style="color:#467886">dalynne@glgmail.com</span></font></a><span style="mso-spacerun:yes">
</span><span style="mso-spacerun:yes"> </span><u>Website: </u><a href="http://www.glglawgroup.com/" target="_blank"><font color="#467886"><span style="color:#467886">www.glglawgroup.com</span></font></a><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="3" face="Book Antiqua"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;mso-no-proof:yes">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"><font color="#467886"><span style="color:#467886">valerie@glgmail.com</span></font></a>, Kelly
<a href="mailto:kelly@glgmail.com"><font color="#467886"><span style="color:#467886">kelly@glgmail.com</span></font></a>, or part time paralegal Theresa
<a href="mailto:theresa@glgmail.com"><font color="#467886"><span style="color:#467886">theresa@glgmail.com</span></font></a>.
<span style="mso-spacerun:yes"> </span>Attorney Spencer Clower & paralegal, Kristin Jacobs, can be reached for Estate litigation (<a href="mailto:spencer@glgmail.com"><font color="#467886"><span style="color:#467886">spencer@glgmail.com</span></font></a> and
<a href="mailto:kristin@glgmail.com"><font color="#467886"><span style="color:#467886">kristin@glgmail.com</span></font></a>).
<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="3" face="Book Antiqua"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;mso-no-proof:yes"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="3" face="Book Antiqua"><span style="font-size:12.0pt;font-family:"Book Antiqua",serif;mso-fareast-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";mso-font-kerning:1.0pt;mso-ligatures:standardcontextual;mso-no-proof:yes">LICENSED
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<p class="MsoNormal"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;mso-fareast-font-family:"Times New Roman";font-weight:bold">From:</span></font></b><span style="mso-fareast-font-family:"Times New Roman""> wsbapt-bounces@lists.wsbarppt.com
<wsbapt-bounces@lists.wsbarppt.com> <b><span style="font-weight:bold">On Behalf Of
</span></b>Marcus Fry<br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, November 4, 2024 11:02 AM<br>
<b><span style="font-weight:bold">To:</span></b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b><span style="font-weight:bold">Subject:</span></b> Re: [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></span></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">-Marcus<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal" style="mso-outline-level:1"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-weight:bold">From:</span></font></b>
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<b><span style="font-weight:bold">On Behalf Of </span></b>Philip N. Jones<br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, November 4, 2024 10:50 AM<br>
<b><span style="font-weight:bold">To:</span></b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b><span style="font-weight:bold">Subject:</span></b> Re: [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Phil Jones
<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="1" color="white" face="Calibri"><span style="font-size:1.0pt;color:white">Philip N. Jones.nosig<o:p></o:p></span></font></p>
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<p class="MsoNormal" style="mso-outline-level:1"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-weight:bold">From:</span></font></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><span style="font-weight:bold">On Behalf Of </span></b>Ryan Castle<br>
<b><span style="font-weight:bold">Sent:</span></b> Monday, November 4, 2024 10:25 AM<br>
<b><span style="font-weight:bold">To:</span></b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b><span style="font-weight:bold">Subject:</span></b> [WSBAPT] Life Insurance Minor Beneficiary Issue<o:p></o:p></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">All,<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">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></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Thanks for your help!<br clear="all" style="mso-special-character:line-break">
<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Ryan Castle (he/him)<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Castle Law Firm, PLLC<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">Managing Attorney<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">T: 360-685-4260 <o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt">F: 360-524-6838<o:p></o:p></span></font></p>
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