What is the most cost-effective document for Margot to obtain funds from her late husband's estate?

In the context of obtaining funds from a deceased person's estate, the most cost-effective document for Margot would be a Letter of Indemnity. This type of document is often utilized when a beneficiary needs immediate access to funds without going through a lengthy probate process. A Letter of Indemnity typically allows the financial institution or other entities to release funds while protecting them against potential claims from other beneficiaries or heirs.

Obtaining Letters Probate generally involves a more formal legal process, which can be time-consuming and costly, as it requires court approval and possibly the payment of probate fees. Similarly, an Affidavit of Execution of the Will and an Affidavit of Value of the Estate can also involve legal proceedings and may incur additional expenses. Both of these affidavits are focused on validating the will and estimating the value of the estate rather than facilitating immediate access to funds.

In contrast, a Letter of Indemnity serves Margot's purpose directly and efficiently, allowing her to access her late husband's funds with minimal cost and time investment. This makes it the most suitable option for her situation.