If a loved one left a will or kept a list of their financial assets, finding them will not be difficult.
If not, the notary will have to look for them. To speed up the search, the heirs should bring to the notary all the financial documents that they can collect. These can be agreements with a bank, a non-state pension fund or an insurance company , as well as with financial organizations that operate in the securities market.
Grab whatever documents you can find, such as bank statements and account statements. With some financial institutions, for example, with a registrar , there may not be an agreement. But the extract will help to understand in which company the property is located.
In addition to money, securities and other property, the heirs assume the debts of the deceased or part of them. Therefore, instruct the notary to request the testator’s credit history . So you will know exactly what loans and loans you can get along with the property of the deceased.
If you are not aware of which financial institutions the deceased was a client of, the first thing to do is to ask the notary to send inquiries to large and popular banks and financial companies.
Often people take out loans and issue credit cards in those banks where they have already opened an account or deposit. Perhaps, with the help of the credit history of the deceased, you will be able to find not only his debts, but also accounts or deposits.
Instruct the notary to contact the insurance companies in your city to find out if there are any valid insurance policies in the name of your loved one.
If you know that he invested in securities, you can ask the notary to send requests to the depository and registrars.
You need to contact the Pension Fund of Russia on your own to find out where the pension savings of the deceased are stored.
In addition, it is worth instructing the notary to request information from the Federal Tax Service. There he will be able to clarify what property the testator had and what are the official sources of his income.
When the financial assets of the deceased are found, the notary will include them in the estate.