Life insurance payable to a living, validly designated beneficiary usually passes outside probate. Proceeds may enter probate when the estate is named, no beneficiary survives, or the designation is ineffective under the policy and applicable law. The practical answer to life insurance probate Ohio depends on the governing documents, the way each asset is titled, the family relationships, and what has already been filed. Probate decisions should be based on verified records rather than assumptions about what the deceased person probably intended. Whether an asset enters probate usually depends on title and the transfer instructions effective at death. A will controls probate property, but it normally does not override a…