I am very sorry for your father's death and the situation you now find yourself in. There are lots of facts that you do not know and that is clouding the things that you think you DO know. Life insurance almost never passes by Will. Life insurance passes to the designated beneficiary. So even if the Will mentioned the insurance, it does not matter, as long as the beneficiary is designated. You would file the death certificate and a claim form with the insurance company and they will send a check. As for the remaining assets, it depends on the title. If the house is titled in your father's name alone, probate will be necessary. In that case, copies of the Will may work as well as the original, but the wife can elect to take against the Will and she would be entitled to a substantial portion of the estate. In the absence of a Will, the estate would pass by way of the intestacy laws. The wife would be entitled to roughly $200k, plus half of all remaining assets. It sounds like there may be a fight in probate, so you probably are going to need to retain an attorney to make sure your rights are protected.
Answered on Apr 03rd, 2014 at 4:21 AM