tmar
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The deceased Estate has to pay all debts before distributing to beneficiaries. However if the super and life insurance are left directly to beneficiaries and not the estate, I think the trustees have the discretion. The debtor may also sue to get their share back...
Ok enough of me rambling and please have a real lawyer here!
Thanks for your answer.
I have decided to ask an Accountant, I know.
She will probably explain in full, as she herself, experienced a family death, and was worried about other family members suing.