Dear Mr. Premack: My husband and I own our home, have some savings and a few investments. We were told by an insurance man that probate can be very expensive (he tried to get us to buy $20,000 life insurance to cover those costs).  We didn’t get the insurance but want to avoid the expense of probate. A neighbor said you had done a “community property survivorship agreement” for them. What is it, and can it help save us money? – D.D. Spouses in Texas have been able to use the