Ambiguities in Per Capita Distributions: Navigating Complexities in Estate Planning & Life Insurance

Per stirpes and per capita options are commonly used by clients planning multigenerational assets transfers, including both probate and nonprobate assets. This article delves into the distinctions between per capita distributions in estate planning versus life insurance, underscoring the lack of a standard definition. During this program, the authors will demonstrate how this ambiguity could impact a client’s distribution of assets.