Ian Bryzek, CPA
Insurance premiums paid after death
Premiums drafted after death should be listed with the policy they kept in force.
Automatic drafts can continue until someone cancels coverage. Note whether a refund or earned-premium adjustment followed.
Premium activity explains coverage periods relevant to claims and estate expenses.
What to keep with the file
Premium activity explains coverage periods relevant to claims and estate expenses.
What to do next
Decide which policies to keep active for estate assets and document each choice.
What to gather
- Policy invoices or premium notices
- Bank or credit-card drafts after death
- Cancellation or change-of-ownership confirmation
- Premium refunds if any
- List of policies still active
Who usually handles what
- Ian can organize the tax reporting question and the supporting records.
- The executor, trustee, or account custodian supplies records and confirms who has authority to act.
A practical next step
Decide which policies to keep active for estate assets and document each choice.
Related guides
This is general tax information, not tax or legal advice. Outcomes depend on the documents, ownership, timing, and law that apply to the particular facts.