A: If you are married in Florida your spouse is legally entitled to certain assets such as your Homestead and certain exempt property. Additionally, if you leave less than 30% of your estate to your spouse he can make an election against your estate. You should contact an estate planning attorney for additional information.
A: I would highly suggest that you do not send them the original copy of any documents that you have regarding beneficiary designation. It might be a good idea to hire an attorney to write them and make an official demand for payment according to the beneficiary designation form that you have. All the best.
A: My condolences to you and your family.
Under Florida law, a Will must be filed 10 days after death. Filing a Will does not mean there has to be a probate administration. I am not sure what you mean when you say "everything is left to the husband/wife." If title to the property is jointly held with the husband/wife or if husband/wife is a beneficiary then probate is no need. Of course, if any property is held in the name of the person who died then probate is likely necessary.
Please contact a reputable attorney for further clarification.