All the following statements regarding probate outside the insured's probate estate EXCEPT:

• A. D family
• B. A heirs
• C. C executors
• D. B legal heirs

Answer: (C)

The key idea is that proceeds pass outside the insured’s probate estate when a named beneficiary (such as a family member, other heirs, or legal heirs) is designated to receive the death benefit directly, avoiding the probate process. Those categories are typical recipients who can receive funds without entering the estate’s probate.

An executor, on the other hand, is a role tied to administering the estate during probate. If the benefit were paid to the executor, the funds would become part of the estate to be handled through probate, not bypass it. That’s why the statement about executors does not fit the concept of probate outside the insured’s probate estate.