Thank you for following up. Since there is no will, your husband is deemed to have died intestate
and thus the Massachusetts intestate succession laws govern the distribution of his estate. Under the applicable Massachusetts Statute, Chapter 521, you would inherit the entire estate. In order to access his estate assets and get them transferred to yourself, since the amount if over $30,000, you will have to file a petition with the Massachusetts probate
court to be appointed the personal representative of his estate. Once appointed, you will be issued documentation evidencing that appointment and it's that documentation that you will provide the banks and etrade to access the funds. With regard to the insurance policy, which passes directly to the named beneficiaries, you need simply ask the insurance company to provide you a claim form, complete it, and then send the completed form with a copy of the death certificate to the insurance company.
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