My father passed away unexpectedly without a will. Our step mother has no children and her parents are both deceased. There is a sizable insurance policy and a residence. My fatherโs insurance policy named his wife as the sole beneficiary with his children as secondary should his wife have died.
It appears your step-mother is still alive and you were not adopted by her. The insurance policy goes to whomever is named as the primary beneficiary. In a community property state such as California, the house is half owned by her if it was purchased after they married [becomes a little more complicated if they did not].
If step mother dies without a will. Then her estate which apparently includes money from an insurance policy and a residence then the estate passes to her blood heirs.
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