How do i claim my mums insurance?she died last week why does it have to go to probate when i am the only one i?

rookethorne

So your Mum died last week and all you are worried about is the insurance money?

I bet the insurance company and Police will find that a bit suspicious.

Bardic

Sorry about your loss. The law of the land says that a will must be "proved" to the Court's satisfaction and then they will issue you (assuming you're the Executor) a Grant of Probate. That is the Executor's authority to get on and deal with things.

You will have to prove to the insurance company's satisfaction that a) your mum has indeed passed away (for this you'll need an official copy of the Death Certificate, or sometimes the original) and, b) you have the authority under the Grant of Probate to make the claim.

regerugged

Life insurance should not be a part of probate. The check should be sent to the named beneficiary on the policy. When there is a will, probate is necessary to prevent anyone from coming forward and making a claim against the estate.

oklatom

The old saying is the only sure thing is death and taxes. But taxes owed and creditors claims even go beyond death. If goes to probate to assign someone to take care of all claims against the estate and show proof to the court that things were done in a proper way, and not just hand the cash to someone left behind, even if you are the only one in line to inherit.

thunder2sys

because its the law and they have to verify and wait the period of time to see if anyone contests it.

timothy p

creditors get the opportunity to collect against her estate. They will be paid and then you will get what is left(if any)

COLIN T

If your mum only died last week Foxy you are in for another shock. Getting a grant of probate may take a lot longer than you think and the fact that you are the sole beneficiary is neither here nor there.

The insurance company will require a copy of the death certificate and at least a certified copy of the grant of probate before they will release any funds and then will release the funds to who ever is named as the executor of the estate and not to you directly unless you are also named as the executor..

Big John

The will has to be proved valid. That is what the Probate court is for. You can do probate yourself. For a simple will it is not too hard. You will save a lot of money in Solicitors fees

Becky H

If your mum made a will then it has to go to probate first. There may be outstanding bills, rent, mortgage credit card accounts, council tax, they all have to come out of your mums 'estate' You will need a death certificate. Contact the insurers and ask them what stage they're at.

lucy

there maybe laws based on your age or other family members that could possibly be entitled

call your probate court and ask them.

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