Do life insurance or retirement benefits need to go through probate?
Generally, life insurance benefits and retirement benefits do not have to go through the probate process if a beneficiary is designated. It’s very important to review your documents to make sure that you have a beneficiary named. You can name a primary beneficiary as well as a secondary beneficiary in the event that the primary beneficiary is deceased. If you have not named a beneficiary for those assets then those assets would have to go through the probate process as they would be payable to your estate.