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My mother-in-law died in September. She had two sons. One is my husband. She left no Will. She was the owner of a 20 year old car and a co-op apartment. She had a joint checking account with my brother-in-law of which he did not contribute to. Two Life insurance policies one as my husband as beneficiary & one as my brother-in-law as beneficiary. Two CD accounts ITF them. One each.