Question

11. Under what circumstances would a life insurance policy be included in the estate of a decedent?

Answer 1

When the policy states the payment of certain amount on the death of the decedent. Than it will be included in the estate of decedent.

Although if Nominee is mentioned the amount will be given to nominee but you have to state in the policy that there is no nominee & after the decedent's death the policy amount will distributed in the way his other estate are distributed.

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