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 In Quebec this person is called the life insured (”insured”) and the word ”annuitant” instead refers to the person who will receive any annuity payments while the insured is alive.
 The probate process and fees do not apply in Quebec. There is a verification process for non-notarial wills but not for notarial wills.
 In Saskatchewan, jointly held property and insurance policies with a named beneficiary are included on the application for probate but do not flow through the estate and are not subject to probate fees.