New York Life Death Benefit Proceeds: Fill & Download for Free

If a policyowner dies and has no beneficiaries, can the death benefit be used for funeral expense? This is a permanent life insurance with a $100,000 death benefit.Or does the answer depend on the life insurance company?Assuming the Policy Owner - and the Insured are one in the same, Yes.The death benefit could, and probably will, be used for funeral expenses.Absent named beneficiaries, the death benefit (life insurance proceeds) will go through the normal process of probate.One of the steps of the probate process is to pay off obligations created by the estate Which include such things as:funeral expenses,debts andtaxes of the decedent.LegalZoom .com has a good article on the Probate Process here. As does New York Life here. Both articles provide a high level outline of what happens to assets that fall into the clients estate and go through the probate process.Thanks for the A2A

it was created, built and maintained by TR.Teddy was a sickly runt as a boy. No athleticism. No physique. No manly appearance. “Roosevelt's youth was largely shaped by his poor health and debilitating asthma. He repeatedly experienced sudden nighttime asthma attacks that caused the experience of being smothered to death, which terrified both Theodore and his parents. Doctors had no cure.”“Hiking with his family in the Alps in 1869, Roosevelt found that he could keep pace with his father. He had discovered the significant benefits of physical exertion to minimize his asthma and bolster his spirits.”“Roosevelt began a heavy regime of exercise. After being manhandled by two older boys on a camping trip, he found a boxing coach to teach him to fight and strengthen his body.”TR was determined to change his image. Part was to become more physically fit which he did. But then he built up the public image of being rugged and fit.“Roosevelt first visited the Dakota Territory in 1883 to hunt bison. Exhilarated by the cowboy life, and with the cattle business booming in the territory, Roosevelt invested $14,000 in hopes of becoming a prosperous cattle rancher. For the next several years, he shuttled between his home in New York and his ranch in Dakota. He wrote about his experiences not only to make money but to bolster his image a rugged.”“Upon the outbreak of the Spanish–American War in late April 1898, Roosevelt resigned from his post as Assistant Secretary of the Navy. Along with Army Colonel Leonard Wood, he formed the First US Volunteer Cavalry Regiment.”“His wife and many of his friends begged Roosevelt to remain in his post in Washington, but Roosevelt was determined to see battle. When the newspapers reported the formation of the new regiment, Roosevelt and Wood were flooded with applications from all over the country.”“Referred to by the press as the "Rough Riders", the regiment was one of many temporary units active only for the duration of the war.”“The regiment trained for several weeks in San Antonio, Texas, and in his autobiography, Roosevelt wrote that his prior experience with the New York National Guard had been invaluable, in that it enabled him to immediately begin teaching his men basic soldiering skills.”“The Rough Riders used some standard issue gear and some of their own design, purchased with gift money. Diversity characterized the regiment, which included Ivy Leaguers, professional and amateur athletes, upscale gentlemen, cowboys, frontiersmen, Native Americans, hunters, miners, prospectors, former soldiers, tradesmen, and sheriffs. The Rough Riders were part of the cavalry division commanded by former Confederate general Joseph Wheeler, which itself was one of three divisions in the V Corps under Lieutenant General William Rufus Shafter. Roosevelt and his men landed in Daiquirí, Cuba, on June 23, 1898, and marched to Siboney. Wheeler sent parts of the 1st and 10th Regular Cavalry on the lower road northwest and sent the "Rough Riders" on the parallel road running along a ridge up from the beach. To throw off his infantry rival, Wheeler left one regiment of his Cavalry Division, the 9th, at Siboney so that he could claim that his move north was only a limited reconnaissance if things went wrong. Roosevelt was promoted to colonel and took command of the regiment when Wood was put in command of the brigade. The Rough Riders had a short, minor skirmish known as the Battle of Las Guasimas; they fought their way through Spanish resistance and, together with the Regulars, forced the Spaniards to abandon their positions.”TR wrote about his adventures in Cuba to enhance his aura.But it didn’t stop there. “In March 1909, shortly after the end of his presidency, Roosevelt left New York for the Smithsonian-Roosevelt African Expedition, a safari in east and central Africa.”“Roosevelt's party landed in Mombasa, East Africa (now Kenya) and traveled to the Belgian Congo (now Democratic Republic of the Congo) before following the Nile to Khartoumin modern Sudan. Financed by Andrew Carnegie and by his own writings, Roosevelt's party hunted for specimens for the Smithsonian Institution and for the American Museum of Natural History in New York.”“On October 14, 1912, while campaigning in Milwaukee, Wisconsin, Roosevelt was shot by a saloonkeeper named John Flammang Schrank. The bullet lodged in his chest after penetrating his steel eyeglass case and passing through a thick (50 pages) single-folded copy of the speech titled "Progressive Cause Greater Than Any Individual", which he was carrying in his jacket.Schrank was immediately disarmed (by Czech immigrant Frank Bukovsky), captured, and might have been lynched had Roosevelt not shouted for Schrank to remain unharmed.”“ Roosevelt assured the crowd he was all right, then ordered police to take charge of Schrank and to make sure no violence was done to him.”“As an experienced hunter and anatomist, Roosevelt correctly concluded that since he was not coughing blood, the bullet had not reached his lung, and he declined suggestions to go to the hospital immediately. Instead, he delivered his scheduled speech with blood seeping into his shirt.”“He spoke for 90 minutes before completing his speech and accepting medical attention. His opening comments to the gathered crowd were, "Ladies and gentlemen, I don't know whether you fully understand that I have just been shot, but it takes more than that to kill a Bull Moose."This only added to his mythos.“Finally, after he retired from politics, he went on an expedition to the Amazon. During the trip down the river, Roosevelt suffered a minor leg wound after he jumped into the river to try to prevent two canoes from smashing against the rocks. The flesh wound he received, however, soon gave him tropical fever that resembled the malaria he had contracted while in Cuba fifteen years before.”“ Because the bullet lodged in his chest from the assassination attempt in 1912 was never removed, his health worsened from the infection.”“ This weakened Roosevelt so greatly that six weeks into the adventure, he had to be attended to day and night by the expedition's physician and his son Kermit. By then, he could not walk because of the infection in his injured leg and an infirmity in the other, which was due to a traffic accident a decade earlier. Roosevelt was riddled with chest pains, fighting a fever that soared to 103 °F (39 °C) and at times made him delirious, at one point constantly reciting the first two lines of Samuel Taylor Coleridge's poem "Kubla Khan": "In Xanadu did Kubla Khan / A stately pleasure dome decree". Regarding his condition as a threat to the survival of the others, Roosevelt insisted he be left behind to allow the poorly provisioned expedition to proceed as rapidly as it could, preparing to commit suicide with an overdose of morphine. Only an appeal by his son persuaded him to continue.”“Despite Roosevelt's continued decline and loss of over 50 pounds (23 kg), Colonel Rondon reduced the pace of the expedition to allow for his commission's mapmaking and other geographical tasks, which required regular stops to fix the expedition's position by sun-based survey. Upon Roosevelt's return to New York, friends and family were startled by his physical appearance and fatigue. Roosevelt wrote, perhaps prophetically, to a friend that the trip had cut his life short by ten years. For the rest of his few remaining years, he would be plagued by flare-ups of malaria and leg inflammations so severe as to require surgery.”“Before Roosevelt had even completed his sea voyage home, critics raised doubts over his claims of exploring and navigating a completely uncharted river over 625 miles (1,006 km) long. When he had recovered sufficiently, he addressed a standing-room-only convention organized in Washington, D.C., by the National Geographic Society and satisfactorily defended his claims.”So when one looks at the life of TR, one sees many unusual risks taken. Risks that harmed his health. Risks that shortened his life. But there was a purpose. There was a method to his madness. There was an aura, a mythos that TR was trying to create. He was not the sickly little boy. That aura endures to today.Theodore Roosevelt - Wikipedia

I’ve been avoiding this question. It’s been sitting there in a browser tab for at least two weeks now. Taunting me.“How did it change your life? Why do you do this? What benefit are you getting, really?”Not that much.Sorry for the deflationary feeling.So uninspirational, I know.Really letting the team down on this one.But it’s the truth. The reality. The actuality of it.And it’s better to tell the truth than make up some story about how my life was soo terrible before I hoisted a dumbbell and how sensational it is now.In order to save this post from becoming a candidate for most dreary fitness post ever, I’ll tell you the story of a presidential candidate for whom lifting and being active absolutely did change his life.This is Theodore Roosevelt. If you haven’t heard of him, I’m not angry, but I encourage you to read on, because he’s really, really f*cking awesome.He was the 26th President of the United States of America and the youngest in history, from 1901 to 1909. He’s on Mount Rushmore.If you’re carved into the side of a freaking mountain, you did OK in life.That’s our bro, third from the left.He’s generally ranked in the top five best presidents ever, battling it out with Abraham Lincoln, Franklin D. Roosevelt, Thomas Jefferson and George Washington-most of whom are on that momentous monument above.Roosevelt was sick as child, with debilitating asthma. He repeatedly experienced sudden nighttime asthma attacks that caused the experience of being smothered to death.He overcame his health problems by embracing a strenuous lifestyle. He began a heavy regime of exercise. After being manhandled by two older boys on a camping trip, he found a boxing coach to teach him to fight and strengthen his body. He also had a habit of swimming naked in rivers during the winter. While at Harvard, Roosevelt participated in rowing and boxing.Later in life he was a:cattle ranchera deputy sheriffan explorera police commissionerthe governor of New Yorkthe assistant Secretary of the Navyhe resigned from that post to lead the Rough Riders during the Spanish-American War, returning a war hero.Once president, he strolled through the White House with a pistol on his person at all times. Although with his black belt in jujitsu and his history as a champion boxer, it wasn't like he really needed it.That picture might be photoshopped.He kept a bear and a lion at the White House as pets. Because why not?“Sit, fluffy!”Roosevelt received letters from army cavalrymen complaining about having to ride 25 miles a day for training and, in response, Teddy rode horseback for 100 miles, from sunrise to sunset, at 51 years old.He then proceeded to one-arm hang power snatch 160kg, on horseback. For reps.Theodore apparently chose Taft as Vice President because of his weight. He was interested in Sumo Wrestling and he used Taft to practice his moves. People would walk in on them wrestling in the white house.I don’t like to use long block quotes too much but this one is too awesome to not post word for word. Focus On: 100 Most Popular American Autobiographers “On October 14, 1912, while campaigning in Milwaukee, Wisconsin, Roosevelt was shot by a saloonkeeper named John Flammang Schrank. The bullet lodged in his chest after penetrating his steel eyeglass case and passing through a thick (50 pages) single-folded copy of the speech titled "Progressive Cause Greater Than Any Individual", which he was carrying in his jacket. Roosevelt, as an experienced hunter and anatomist, correctly concluded that since he was not coughing blood, the bullet had not reached his lung, and he declined suggestions to go to the hospital immediately. Instead, he delivered his scheduled speech with blood seeping into his shirt. He spoke for 90 minutes before completing his speech and accepting medical attention. His opening comments to the gathered crowd were, "Ladies and gentlemen, I don't know whether you fully understand that I have just been shot, but it takes more than that to kill a Bull Moose." Afterwards, probes and an x-ray showed that the bullet had lodged in Roosevelt's chest muscle, but did not penetrate the pleura. Doctors concluded that it would be less dangerous to leave it in place than to attempt to remove it, and Roosevelt carried the bullet with him for the rest of his life.”How’s that for a final “bullet point”?He was quite possibly saved by his active and strenuous lifestyle that built up his muscle-just a few inches further and the bullet would have pierced his lung.Lifting not only changed Theodore’s life-it saved it, as well.Sadly, Theodore Roosevelt died on January 5, 1919 of complications arising from Inflammatory Rheumatism, an autoimmune disease that involves your immune system attacking your own cells.Proof that no one but Teddy Roosevelt…can kill Teddy Roosevelt.Follow me on Instagram for diet and training tips or YouTube for longer form content!