After a policy holder dies, it is important to contact insurance companies to see whether a claim should be paid. Types of claims can include:
Typically assets with a beneficiary designation are not probate assets and should be paid to the person named as beneficiary. In some cases, third parties may refuse to discuss the policy or account unless a probate estate is opened. Unless there are other probate assets which justify opening an estate, then paying to open a probate estate is likely unnecessary if you can get through to someone with authority to speak with the beneficiary. A letter similar to the following might help identify the beneficiary who can then file a claim:
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