{"jurisdiction": "us-ny", "code": "eptl", "section": "3-4.5", "citation": "EPTL § 3-4.5", "heading": "Insurance proceeds from specific disposition not subject to", "text": ["§ 3-4.5 Insurance proceeds from specific disposition not subject to", "ademption", "Where insurance proceeds from property which was the subject of a specific disposition are paid after the testator's death, such proceeds, to the extent received by the personal representative, are payable by him to the beneficiary of such disposition; and such proceeds retain the character of a specific disposition for all other purposes, including 12-1.2 and 13-1.3."], "official_source": "https://www.nysenate.gov/legislation/laws/EPT/3-4.5", "from_official_api": true, "plain_english": "Insurance proceeds for property specifically given by will, paid after the testator's death, go to that beneficiary rather than adeeming the gift.\n- To the extent the **personal representative receives** them, the proceeds are **payable to the beneficiary of the specific disposition**. ★ They **keep the character of a specific disposition** for all other purposes, including **§§ 12-1.2 and 13-1.3**.", "in_force_on": "2026-05-31", "retrieved": "2026-09-27", "url": "https://elyphived.com/us-ny/eptl/3-4.5", "publisher": "Elyphived LLC"}