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A beneficiary is the person or entity that you legally designate to receive the benefits from your financial products. For life insurance coverage, that is the death benefit your policy will pay if you die. For retirement or investment accounts, that is the balance of your assets in those accounts.
A request for a grant of probate is used to ask the court to confirm that the person named in the will has the authority to administer the estate. You may wish to contact a lawyer to provide assistance with determining if a grant is required.
The definition for a beneficiary is simple. It's an individual, chosen by you, who will receive a monetary payment upon your death. It sounds morbid, we know, but designating a beneficiary is one of the most important steps when enrolling in a group benefits plan and there's a lot to consider.
If you've been told by a bank that they need to see a probate grant, you can send a hologram court copy of the grant to them with the death certificate of the person who's died. They should make copies of these documents and then return the originals to you for your safekeeping.
Applications are typically processed within 15 business days. It may take longer if: you do not file all necessary documents or provide all necessary evidence and information.
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In general, the whole probate process can take anywhere between six to twelve months. Below is a general overview of how long it may take to both apply for a grant of probate and then get the application approved from the probate registry.
You are not legally required to have a will, but there are advantages to having one. If you die without a will, your estate will be distributed in accordance with Ontario's Succession Law Reform Act and someone would need to apply to the court to ask for authority to administer your estate.
You do not need a solicitor to apply for probate, but most executors and administrators choose to use a solicitor, especially if the estate is complex.
How to obtain a certificate of appointment without a Will in Ontario. In Ontario, the application is made to the Superior Court of Justice. The applicant must file the application in the office for the county or district where the deceased was living when they died.
After probate has been granted, it usually takes 6-12 months to settle the estate and distribute property, gifts, and other entitlements to beneficiaries.

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