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DOES A WILL COVER EVERYTHING I OWN?

No. Generally speaking, your will affects only those assets which are in your name alone at your death. Common assets that are not affected by your will include:

  • Life insurance
  • Retirement plans
  • Assets owned as a joint tenant.
  • Assets titled “Transfer on death” or “payable on death.”
  • Assets owned with another with a right of survivorship.
  • Assets held in Living trusts.
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