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If you are looking to recieve the insurance check and are wondering if you have to have an estate open in order to receive it your answer is here. The thing is you do not have to have an estate open to receive an insurance check if you are a critical thinker. You need one way or another to get the insurance check, so if you have a P.O. Box that is set up or maybe a friend that you can have it mailed to, there is no reason you won't receive the insurance check.

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17y ago

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Yes, it will be the responsibility of the estate. No will is necessary to open an estate. North Carolina law will designate the beneficiaries, if the estate value exceeds the debts.


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If it's not been a year and you did not cash the check. Then it is still opened.


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Check with the Dept of Insurance in your state or the National Association of Insurance Commissioners website (naic.org/state_web_map.htm) for links to the state officials you are looking for


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Can you switch insurance plans if you are covered through my job?

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