Does Life Insurance Need To Go Through Probate? 
In Canada , typically if the beneficiaries of the policy are individuals then the proceeds of the policy do not need to go through probate . If the beneficiary is the estate then the proceeds will have to be probated and subject to claims of creditors . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 