In brief
Some accounts and policies transfer to named beneficiaries outside a will, subject to applicable law and plan terms.
What to do next
- List retirement accounts and life insurance policies
- Check primary and contingent beneficiaries
- Review after marriage, divorce, birth or death
- Confirm designations with each institution
- Coordinate designations with the overall estate plan
Questions worth asking
Who has legal authority? Which assets are involved? Which state’s law applies? Are there court deadlines, tax issues, or disagreements that require professional advice?
Where to go from here
Use the state directory to locate the relevant jurisdiction and verify current requirements with official courts or government agencies. The free tools can help organize information before a professional appointment.