After Loss Tool
Estate Settlement Checklist
Settling an estate involves many steps over several months. This checklist guides you through the process in order, so nothing essential is missed.
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First Steps
Obtain certified death certificates
Order 10–15 copies for banks, insurers, and agencies.
Locate the will and estate documents
Check home safe, safe deposit box, or attorney.
Identify the executor
Named in the will, or appointed by the court if no will.
Secure the deceased’s property and assets
Legal & Financial
Determine if probate is required
Small estates may qualify for a simplified process.
File the will with the probate court
If probate is needed.
Notify banks and financial institutions
Notify Social Security and pension providers
File life insurance claims
With a certified death certificate.
Open an estate bank account
To manage estate funds.
Settling Affairs
Inventory and value all assets
May require professional appraisals.
Notify creditors and pay valid debts
From estate funds, in legal priority order.
File the final personal tax return
And any estate tax return if required.
Cancel subscriptions, memberships, and services
Notify the DMV and cancel the driver’s licence
Helps prevent identity theft.
Final Distribution
Distribute assets to beneficiaries
According to the will or intestacy law.
Transfer or sell property and vehicles
Provide a final accounting to the court
If required.
Close the estate
Once all assets are distributed and debts settled.
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