Only assets titled solely in a person’s name, which are not jointly held or do not pass via a beneficiary designation to a named beneficiary are part of the probate estate. For example, if you have a bank account, stocks, bonds or real estate, and they are titled solely in your name, they will pass through probate. Examples of non-probate assets include: life insurance, 401(k), IRA accounts, pensions, annuities and jointly held assets.