Well, my grandfather put money in a number of joint a/cs for his grandkids, but we only found this out after his death, so there wasn't joint usage of the a/cs. I guess it was his way of making a legacy for us. Having said that, not all of the beneficiaries of the estate were aware of it. It was only a few grand, though this seemed like a lot to the penniless student I was at the time...
At the very least, though, I'll have to produce a death certificate, yes?
Cheers
B