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IRA Annuity when 1 of the 3 Beneficiary's owes estate

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up vote 4 down vote favorite Mom died listing her 3 kids as beneficiaries on a 401k/IRA Annuity. One of the beneficiaries owes her $20k and she wanted it deducted from his share of any money in the estate. Since she listed the 3 as beneficiaries is there anyway of putting his share into her estate rather than John Hancock sending him his portion directly and not paying back the promissory note? Is it possible to put the entire annuity into her estate for distribution rather than paying out each individual listed as beneficiaries? united-states ira inheritance share | improve this question edited Nov 26 at 21:20 Chris W. Rea ...