Georgia remainderman bonds.
From $100.

When a Georgia life tenant needs to sell, encumber, or use the corpus of property in a way that could harm the people entitled to it afterward, a court may require a bond to protect the remainder interest. Pricing is 1.5% of the bond amount, $100 minimum — one soft credit pull for approval, never affecting your score, and your exact price appears at the application.

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Protects the remaindermen’s interest in property when a life tenant acts on the corpus

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Amount and condition are set by the court that orders it — there is no single statutory figure

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Soft credit pull only — never a hard inquiry, never affects your score — priced at 1.5% of the bond amount, $100 minimum

1.5% rate$100 minimum, priced by bond amountSoft pullnever a hard inquiryFastinstant underwriting for most

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How it works

Three steps to filed.

Court bonds are straightforward once the order sets the amount — enter it, consent to a soft pull, and file. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the bond amount the court ordered, and the effective date — plus a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The soft pull never affects your score. If it needs a second look, one to two business days at most.

SAME DAY

File with the court

Receive the executed bond, ready to file with the court that ordered it. Wet-ink originals mailed on request.

About this bond

What it is and who needs it.

What the remainderman bond actually protects

Under Georgia life-estate law (O.C.G.A. Title 44, Chapter 6), a life tenant holds the present right to use property for life, and the remaindermen own the interest that takes effect when the life estate ends. The life tenant owes the remaindermen a duty of ordinary care to preserve the property and commit no act causing permanent injury to their interest.

When a life tenant wants to sell, encumber, or consume the corpus — or otherwise act in a way that could diminish what the remaindermen receive — a court may condition that action on a surety bond protecting the remainder interest. The bond stands behind the value owed to the remaindermen if the life tenant's actions cause them loss.

Because the amount and the exact condition come from the court's order, there is no single statutory figure — enter the amount the court set. Pricing is 1.5% of the bond amount, $100 minimum, with one soft credit pull for approval that never shows as a hard inquiry.

Georgia life-estate law — O.C.G.A. Title 44, Chapter 6Georgia's life-estate provisions (O.C.G.A. Title 44, Chapter 6, including §§ 44-6-83 and 44-6-87) define the duties a life tenant owes the remaindermen and the limits on disposing of the estate. When a court permits a life tenant to sell, encumber, or use the corpus, it may require a bond protecting the remainder interest; the amount and conditions are set by the court's order. Confirm the figure and terms in your order — we'll issue the bond.

You need this bond if you are

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A life tenant a court is allowing to sell or encumber property subject to a remainder

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A fiduciary or trustee ordered to bond a remainder interest before acting on the corpus

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An estate or probate party the court has conditioned on protecting remaindermen

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Counsel for any of the above arranging the court-ordered surety on the client’s behalf

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

How much is the Georgia remainderman bond?The price is 1.5% of the bond amount, $100 minimum — set by the bond amount, not a credit or underwriting tier. The amount is set by the court that orders the bond, usually reflecting the value of the remainder interest being protected. Enter the court-ordered figure and apply to see your exact price.

When is a remainderman bond required?When a Georgia court permits a life tenant (or fiduciary) to sell, encumber, or consume property subject to a remainder, it may require a bond protecting the remaindermen’s interest. The order sets the amount and conditions — there is no single statutory figure.

What does the bond protect against?It protects the remaindermen against loss if the life tenant’s actions diminish the value they are entitled to receive. If the surety pays a claim, the principal (and any indemnitors) repay the surety — it is not insurance for the life tenant.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It informs approval; the price itself is 1.5% of the bond amount, $100 minimum.

What amount should I choose if I'm not sure?Use the figure in the court’s order. If the amount has not been set yet, send us the order or petition and we will confirm before issuing.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Georgia bonds.

Remainderman bond, on file this week.

From $100, soft pull only. Enter the court-set amount and file the same day.

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