Ellsworth Wills & Probate Lawyer, Maine
Includes: Estate Administration, Living Wills, Wills
Melissa M. Hale
Real Estate, Wills & Probate, Estate, Elder Law
Status: In Good Standing Licensed: 34 Years
Ellsworth, ME 04605
Profile LAWPOINTS™34/100
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20 Oak St, Ellsworth, ME 04605
Profile LAWPOINTS™30/100
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Daniel D. Burke
Environmental Law Other, Land Use & Zoning, Wills & Probate, Natural Resources
Status: In Good Standing Licensed: 14 Years
209 High Street, Ellsworth, ME 04605
Profile LAWPOINTS™19/100
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20 Oak Street, Ellsworth, ME 04605
Profile LAWPOINTS™19/100
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Allana L. Bailey
Health Care Other, Health Care, Estate Administration
Status: In Good Standing Licensed: 17 Years
43 Whiting Hill Road, Brewer, ME 04412
Profile LAWPOINTS™29/100
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David M. Austin
Real Estate, Immigration, Wills & Probate, Trusts
Status: In Good Standing Licensed: 26 Years
80 Exchange St, Bangor, ME 04402
Profile LAWPOINTS™34/100
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23 Water Street, Bangor, ME 04402
Profile LAWPOINTS™34/100
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C. Peter Bos
Wills & Probate, Criminal, Business Organization, Personal Injury
Status: In Good Standing Licensed: 40 Years
6 State Street, Bangor, ME 04401
Profile LAWPOINTS™34/100
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Christopher J. Austin
Tourism, Travel & Leisure, Energy, Wills & Probate, Corporate
Status: In Good Standing Licensed: 26 Years
84 Harlow Street, Bangor, ME 04402
Profile LAWPOINTS™34/100
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William H. Hanson
Wills & Probate, Natural Resources, Corporate, Contract
Status: In Good Standing Licensed: 42 Years
Bangor, ME 04402
Profile LAWPOINTS™34/100
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LEGAL TERMS
SPENDTHRIFT TRUST
A trust created for a beneficiary the grantor considers irresponsible about money. The trustee keeps control of the trust income, doling out money to the benefi... (more...)
A trust created for a beneficiary the grantor considers irresponsible about money. The trustee keeps control of the trust income, doling out money to the beneficiary as needed, and sometimes paying third parties (creditors, for example) on the beneficiary's behalf, bypassing the beneficiary completely. Spendthrift trusts typically contain a provision prohibiting creditors from seizing the trust fund to satisfy the beneficiary's debts. These trusts are legal in most states, even though creditors hate them.
LIFE INSURANCE
A contract in which an insurance company agrees to pay money to a designated beneficiary upon the death of the policy holder. In exchange, the policyholder pays... (more...)
A contract in which an insurance company agrees to pay money to a designated beneficiary upon the death of the policy holder. In exchange, the policyholder pays a regularly scheduled fee, known as the insurance premiums. The purpose of life insurance is to provide financial support to those who survive the policyholder, such as family members or business partners. When the policyholder dies, the insurance proceeds pass to the beneficiaries free of probate, though they are counted for federal estate tax purposes. group life insurance Life insurance available through an employer or association that covers participating employees and members under one master insurance policy. Most group life insurance policies are term insurance policies, that terminate when the member or employee reaches a certain age or leaves the organization and do not accumulate any cash surrender value. term life insurance No-frills life insurance, with neither cash surrender value nor loan value (an amount that can be used as collateral for a loan). Term life insurance provides a pre-set amount of coverage if the policyholder dies during the period of time specified in the policy. Policyholders usually have the option to renew at the end of the term for the period of years specified in the policy. Unlike whole life insurance, premiums generally increase as the insured person gets older and the risk of death increases.universal life insurance A type of whole life insurance that offers some additional features and advantages. Like whole life insurance, universal life insurance accumulates cash value through investment of the premium payments. The unique feature of universal life insurance is that it has variable premiums, benefits and payment schedules, all of which are tied to market interest rates and the performance of the investment portfolio. Also, universal life plicies normally provide you with more consumer information. For example, you are told how much of your policy payments goes for insurance company overhead expenses, reserves and policy proceed payments, and how much is retained and invested for your savings. This information isn't usually provided with whole life policies.variable life insurance A type of whole life insurance in which the amount of death benefits varies, depending on the performance of investments. The insurance company places some or all of the fixed premium payments into an investment account; some companies let the insured person decide how the money is invested. The policyholder bears the risk of investment losses, though there is a guaranteed minimum benefit payment. One benefit of variable insurance is that interest and dividend income from the investment account is not taxed until it is paid out to the policyholder.variable universal life insurance A type of whole life insurance that provides greater potential for financial gain--and brings greater risks. Like universal life insurance, variable universal life insurance offers flexible premiums, payment schedules and benefits. But variable universal life policies are riskier because the premiums are invested in stocks, rather than more predictable money market accounts and bonds. Also called universal variable life insurance.whole life insurance Life insurance that provides coverage for the entire life of the policyholder, who pays the same fixed premium throughout his or her life. The policy builds up cash reserves that may be paid out to the policyholder when he or she surrenders or partially surrenders the policy or uses the cash reserves to fund low-interest loans. The annual increase in the cash value of the policy is not taxed. If the policyholder surrenders the policy, a portion of the payment is not taxable. Also called straight life insurance or ordinary life insurance.
INVESTOR
A person who makes investments. An investor may act either for herself or on behalf of others. A stock broker or mutual fund manager, for instance, makes invest... (more...)
A person who makes investments. An investor may act either for herself or on behalf of others. A stock broker or mutual fund manager, for instance, makes investments for others who have entrusted her with their money.
ADMINISTRATION (OF AN ESTATE)
The court-supervised distribution of the probate estate of a deceased person. If there is a will that names an executor, that person manages the distribution. I... (more...)
The court-supervised distribution of the probate estate of a deceased person. If there is a will that names an executor, that person manages the distribution. If not, the court appoints someone, who is generally known as the administrator. In some states, the person is called the 'personal representative' in either instance.
ABSTRACT OF TRUST
A condensed version of a living trust document, which leaves out details of what is in the trust and the identity of the beneficiaries. You can show an abstract... (more...)
A condensed version of a living trust document, which leaves out details of what is in the trust and the identity of the beneficiaries. You can show an abstract of trust to a financial organization or other institution to prove that you have established a valid living trust, without revealing specifics that you want to keep private. In some states, this document is called a 'certification of trust.'
DISTRIBUTEE
(1) Anyone who receives something. Usually, the term refers to someone who inherits a deceased person's property. If the deceased person dies without a will (ca... (more...)
(1) Anyone who receives something. Usually, the term refers to someone who inherits a deceased person's property. If the deceased person dies without a will (called intestate), state law determines what each distributee will receive. Also called a beneficiary.
REAL ESTATE AGENT
A foot soldier of the real estate business who shows houses and does most of the other nitty-gritty tasks associated with selling real estate. An agent must hav... (more...)
A foot soldier of the real estate business who shows houses and does most of the other nitty-gritty tasks associated with selling real estate. An agent must have a state license and be supervised by a real estate broker. Most agents are completely dependent upon commissions from sellers for their income, so it pays to find out which side the agent represents (buyer, seller or both) before you place too much trust in the agent's opinion.
TRUSTEE
The person who manages assets owned by a trust under the terms of the trust document. A trustee's purpose is to safeguard the trust and distribute trust income ... (more...)
The person who manages assets owned by a trust under the terms of the trust document. A trustee's purpose is to safeguard the trust and distribute trust income or principal as directed in the trust document. With a simple probate-avoidance living trust, the person who creates the trust is also the trustee.
PROBATE
The court process following a person's death that includes proving the authenticity of the deceased person's will appointing someone to handle the deceased pers... (more...)
The court process following a person's death that includes proving the authenticity of the deceased person's will appointing someone to handle the deceased person's affairs identifying and inventorying the deceased person's property paying debts and taxes identifying heirs, and distributing the deceased person's property according to the will or, if there is no will, according to state law. Formal court-supervised probate is a costly, time-consuming process -- a windfall for lawyers -- which is best avoided if possible.
SAMPLE LEGAL CASES
In re Estate of Kingsbury
... Dissent: SAUFLEY, CJ, and ALEXANDER, and SILVER, JJ. CLIFFORD, J. [¶ 1] The estate of
Bruce H. Kingsbury, through its personal representative, Robin L. Whorff, appeals from an order
entered in the Sagadahoc County Probate Court (Voorhees, J.) (1) providing that Whorff ...
IN RE ESTATE OF LIPIN
... PER CURIAM. [¶ 1] Joan Carol Lipin challenges the denial of her request for recusal
entered in the Cumberland County Probate Court (Mazziotti, J.) in connection with
the probate of the estate of her father, Theodore Lipin. We ...
Edwards v. Campbell
... Campbell has appealed. II. DISCUSSION. [¶ 6] Campbell first contends that the court lacked
subject matter jurisdiction to issue the contempt order as to the trust accounting, arguing instead
that the Probate Court has exclusive jurisdiction over such matters. ...
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