If you die without a will in Iowa, your assets will go to your closest relatives under state “intestate succession” laws. Here are some details about how intestate succession works in Iowa.
Which Assets Pass by Intestate Succession
Only assets that would have passed through your will are affected by intestate succession laws. Usually, that includes only assets that you own alone, in your own name.
Many valuable assets don’t go through your will, and aren’t affected by intestate succession laws. Here are some examples:
- property you’ve transferred to a living trust
- life insurance proceeds
- funds in an IRA, 401(k), or other retirement account
- securities held in a transfer-on-death account
- payable-on-death bank accounts, or
- property you own with someone else in joint tenancy.
These assets will pass to the surviving co-owner or to the beneficiary you named, whether or not you have a will.
Who Gets What in Iowa?
Under intestate succession, who gets what depends on whether or not you have living children, parents, or other close relatives when you die. Here’s a quick overview:
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The Spouse’s Share in Iowa
In Iowa, if you are married and you die without a will, what your spouse gets depends on whether or not you have living descendants -- that is, children, grandchildren, or great-grandchildren -- from a previous relationship. If you don’t, then your spouse inherits all of your intestate property. If you do, they and your spouse will share your intestate property.
In most situations, your surviving spouse and your children from the previous relationship will split your property 50/50. However, your spouse’s share must always equal at least $50,000. If the amount falls short, it will be made up from the property left to your children.
Example: Jed and Barrett have been married for 30 years and have two grown children. Jed also has a grown daughter, Anna, from a previous marriage. Jed and Barrett own a house in joint tenancy, and Jed owns $400,000 worth of additional, separate property that would have passed under a will if he had made one. When Jed dies, Barrett inherits the house outright (it is not intestate property) plus $200,000 worth of Jed’s intestate property. Anna inherits the remaining $200,000 share of Jed’s intestate property.
Children’s Shares in Iowa
If you die without a will in Iowa, your children will receive an “intestate share” of your property. The size of each child’s share depends on how many children you have and whether or not you are married. (See the table above.)
For children to inherit from you under the laws of intestacy, the state of Iowa must consider them your children, legally. For many families, this is not a confusing issue. But it’s not always clear. Here are some things to keep in mind.
- Adopted children. Children you legally adopted will receive an intestate share, just as your biological children do.
- Foster children and stepchildren. Foster children and stepchildren you never legally adopted will not automatically receive a share.
- Children placed for adoption. Children you placed for adoption and who were legally adopted by another family will not receive a share. However, if your biological children were adopted by your spouse, that won’t affect their intestate inheritance.
- Posthumous children. Children conceived by you but not born before your death will receive a share. If, however, the child is born as the result of the implantation of an embryo after your death, that child will inherit only if (1) there is a proven genetic parent-child relationship, (2) you authorized your surviving spouse to use your genetic material, (3) the child is born within two years of your death, and (4) any of your heirs whose share of your estate would be reduced by the birth of the child is given one year from the time of the birth to contest the child’s right to inherit.
- Children born outside of marriage. If you were not married to your children’s mother when she gave birth to them, they will receive a share of your estate if your paternity is legally established.
- Grandchildren. Your grandchildren will receive a share only if their parent (your child) has died before you do.
If you want to read the law, Iowa Code §§ 633.220 to 633.223 cover parent-child relationships. You can search the Iowa code by visiting the website of the Iowa State Legislature.
This can be a tricky area of the law, so if you have questions about your relationship to your parent or child, get help from an experienced attorney.
Will the State Get Your Property?
If you die without a will and don’t have any family, your property will “escheat” into the state’s coffers. However, this very rarely happens because the laws are designed to get your property to anyone who was even remotely related to you. For example, your property won’t go to the state if you leave a spouse, children, siblings, parents, grandparents, aunts or uncles, great uncles or aunts, nieces or nephews, cousins of any degree, or the descendants of a spouse who dies before you do.
Other Iowa Intestate Succession Rules
Here are a few other things to know about Iowa intestacy laws.
- Half-relatives. “Half” relatives inherit as if they were “whole.” That is, your sister with whom you share a father, but not a mother, has the same right to your property as she would if you had both parents in common.
- Posthumous relatives. Relatives conceived before -- but born after -- you die inherit as if they had been born while you were alive.
- Immigration status. Relatives entitled to an intestate share of your property will inherit whether or not they are citizens or legally in the United States.
To learn more about intestate succession, read How an Estate Is Settled When There is No Will.
You can find Iowa’s intestate succession laws in Sections 633.212 to 633.226 of the Iowa Code. You can search the code by visiting the website of the Iowa State Legislature.
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