Legal Question in Insurance Law in California

Re: Utma law

If the policy was community property, one-half the proceeds would belong to the surviving spouse unless she agrees to have it go to the child. The mother is the natural guardian, but the insurer probably will want a formal guardian of the estate of the child. Perhaps the insurer will pay the proceeds to the mother under the Calif. Uniform Gifts to Minors Act, and eliminate the need for a court proceeding to get an estate guardian. If so, the birth certificate is probably all the insurer needs to prove parentage. The insurer will advise the mother what it wants.