Life inusrance policies have designated beneficaries, so it doesn't go through probate. Unassigtned assets generally go through probate. Qualified retirment plans also have assigned beneciaires, so those assets also by pass probate. It's important to consult with an estate or probate attorney before retitling ownership or the reassignment of any beneficaries.
Life insurance that is left to a person as beneficiary does not have to go through probate. A check is sent to the beneficiary shortly after the death claim and certified death certificate are sent to the life insurance insurance company.
On the other hand, if the estate is set up as the beneficiary, or if the beneficiaries stated on the policy are not alive at the time of the death of the insured person, the proceeds would go to the estate and then, through probate.
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On the other hand, if the estate is set up as the beneficiary, or if the beneficiaries stated on the policy are not alive at the time of the death of the insured person, the proceeds would go to the estate and then, through probate.