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<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif">Generally if the named beneficiary does not survive, no rights survive to their estate. The policy documents will control who the default beneficiary is, but I would generally expect it to be
the decedent daughter’s estate, and that you will simply need to provide mom’s death certificate to prove she did not survive her daughter.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif">Heather<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:16.0pt;font-family:"Vladimir Script";color:#1F497D">Heather S. de Vrieze</span><b><span style="font-size:16.0pt;font-family:"Aptos",sans-serif;color:#1F497D"><br>
</span></b><i><span style="font-family:"Garamond",serif;color:#1F497D">Attorney-at-Law</span></i><i><span style="font-size:11.0pt;font-family:"Garamond",serif;color:#1F497D;mso-ligatures:none"><o:p></o:p></span></i></p>
<p class="MsoNormal"><i><span style="font-family:"Garamond",serif;color:#1F497D;mso-ligatures:none"><img width="189" height="105" style="width:1.9666in;height:1.0916in" id="Picture_x0020_1" src="cid:image001.jpg@01DAF87C.B063E1E0"></span></i><i><span style="font-family:"Garamond",serif;color:#1F497D"><o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">3909 California Avenue SW<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">Seattle, WA 98116-3705
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">(206)938-5500
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"><a href="mailto:heatherd@westseattlelaw.com"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">heatherd@westseattlelaw.com</span></a></span><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"><a href="http://www.westseattlelaw.com/"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">www.westseattlelaw.com</span></a></span><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:red"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:red">Our office will be closed on FRIDAYS from June 7, 2024 through August 30, 2024.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#002E8A">Click here to connect with de Vrieze | Carney on Facebook:
</span></b><b><span style="font-family:"Aptos",sans-serif;color:#1F497D"> </span></b><a href="https://www.facebook.com/DeVriezeCarney"><b><span style="font-family:"Aptos",sans-serif;color:blue;mso-ligatures:none;text-decoration:none"><img border="0" width="72" height="21" style="width:.75in;height:.2166in" id="Picture_x0020_2" src="cid:image002.png@01DAF87C.B063E1E0" alt="FB Logo"></span></b></a><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt;font-family:"Aptos",sans-serif;color:#A6A6A6"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt;font-family:"Aptos",sans-serif;color:#A6A6A6">CONFIDENTIAL & PRIVILEGED. This e-mail message may contain legally privileged and/or confidential information. If you have received this e-mail in error, please
notify the sender immediately and delete all copies of this e-mail message and any attachment.</span><span style="font-size:16.0pt;font-family:"Cambria",serif;color:blue"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;mso-ligatures:none">From:</span></b><span style="font-size:11.0pt;mso-ligatures:none"> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Rod Harmon<br>
<b>Sent:</b> Tuesday, August 27, 2024 12:24 PM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> [WSBARP] disposition of benefit of deceased beneficiary of life insurance<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Beneficiary of life insurance policy is deceased. What happens to her benefit and what documentation will the insurance company (MetLife) need to process the claim?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Decedent Daughter had a whole life insurance policy in which she named her Mother as the beneficiary. Mother died 20 years prior to daughter’s death. Widowed Mother died intestate
and without probate-able assets, so no probate. Decedent Daughter was her mother’s only child.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Probate of intestate decedent Daughter’s estate has been opened. Her two children (Mother’s Grandson and Granddaughterr) are her heirs. Granddaughter is her administrator.
To whom would MetLife be willing to send the policy proceeds:<o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo3"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Estate of Mother? (groan, so I have to open a probate of Mother’s estate?)<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo3"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Estate of Daughter? (I can supply Mother’s death certificate, but how do I satisfy MetLife that decedent Daughter was
Mother’s only heir?)<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo3"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Grandson and Granddaughter jointly?<o:p></o:p></span></li><li class="MsoListParagraph" style="margin-left:0in;mso-list:l0 level1 lfo3"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">Something else?<o:p></o:p></span></li></ul>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif">And in what form will the insurance company want proof of facts? The policy is only $1100, taken out in 1960 to cover burial expenses.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Aptos",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif;color:#1F497D;mso-ligatures:none">Rod Harmon<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Aptos",sans-serif;color:#1F497D;mso-ligatures:none"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none">RODNEY T. HARMON</span></b><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Attorney at Law</span></b><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> P.O. Box 1066</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Bothell, WA 98041</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Tel: (425) 402-7800</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> Fax: (425) 458-9096</span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> <a href="http://www.rodharmon.com/">www.rodharmon.com</a></span><span style="font-size:11.0pt;font-family:"Aptos",sans-serif;mso-ligatures:none"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D;mso-ligatures:none"> <a href="mailto:rodharmon@msn.com">rodharmon@msn.com</a></span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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