[gcparent]

I can’t read the answer to letter. But Insurance policies do not go through probate.

[kjam22]

But Insurance policies do not go through probate.

Exactly. There is no way the wife will ever get the 100K

[Ol' Dan Tucker]

I can’t read the answer to letter. But Insurance policies do not go through probate.

Correct. And, in some states, such as California, probate is only necessary when the estate is above a certain monetary value, or if the decadent owns real property.

If the estate is below that limit and there is no real property, there's no need to open probate.