Quote Originally Posted by _Cathy_ View Post
It becomes part of the estate pa rin. Hindi naman pag namatay automatic transferred na lahat sa spouse. There is still a legal process.

This is from my experience in our family and from working in a bank. Nakakaawa mga spouse sa dami ng requirements.

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Yes I agree. Meron pa rin mga legal na proseso. Hindi naman automtic yon.