不管钱归谁，没设beneficiary 都会损失一笔钱（各种手续费）。 When someone dies, their bank accounts are closed. Any money left in the account is granted to the beneficiary they named on the account. If no beneficiary is named, the executor of the estate is in charge of dividing it up according to the will, the legally binding document that outlines who gets the deceased’s assets after they die. If someone dies without a will, assets and property is passed by intestate succession to their heirs. Intestate succession laws depend on the state the deceased lived, and a court appoints an administrator who divides up the assets. In most cases, a majority, or even all of the money, goes to their spouse, and the remainder is divided up among their children.
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