You can use a deceased person's bank account to pay for funeral expenses under specific legal circumstances, but doing so without authorization can lead to legal complications. If the account has a designated Payable-on-Death (POD) beneficiary or joint owner, those individuals can access funds directly. Otherwise, if the account is solely in the deceased's name, funeral homes will often accept a formal assignment of life insurance proceeds or require payment from the appointed estate executor using letters testamentary.
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