Money awarded from an insurance policy, particularly the death benefit, does not ordinarily go through a probate process since the insurance company automatically sends the payment to the beneficiary. (insuranceopedia.com)
Because the policy payout can pass straight to your spouse when you die, without going through probate court and without being subject to estate taxes. (smartasset.com)
These accounts do not go through probate, which can be a long, drawn out process. (rocketlawyer.com)