Estate Law Questions? Ask an Estate Lawyer.
The estate affidavit form is for you to file it to get authorization to handle your Mother's estate. Since your Father's name was still listed as a beneficiary and he died prior to your Mother, the money would go to your Mother's estate. By filing the small affidavit form, you or your sibling can become the personal representative of your Mother's estate and then obtain the proceeds of the insurance policy to pay funeral expenses. This would also allow you to transfer the house to your names and attempt to refinance or continue to pay the mortgage.
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