What is needed if the Life proceeds are to be paid to an estate?
We need to receive court documents of appointment before proceeds can be issued to an estate. The documents of appointment are referred to as the Letters of Administration (issued when there is no will) or the Letters of Testamentary (issued when there was a valid will at the time of death). This documentation will need to name the personal representative of the estate, often referred to as the executor, administrator, executrix, etc.
