In which case, provided the property is still held
as joint tenants and not tenants in common (he has not severed the joint
tenancy) then you inherit the whole house under the right of survivorship. All
you need to do to transfer the property into your sole name is to send a copy
of the death certificate and form AP1 duly completed and the property will be
registered in your sole name.
Before you do that, it would be worthwhile checking
the land registry deeds to make sure that the property is indeed not tenants in
common. You can get to the up-to-date deeds here for just 3 pounds. https://eservices.landregistry.gov.uk/www/wps/portal/!ut/p/b1/04_SjzS0tDQwMTIxMjLXj9CPykssy0xPLMnMz0vMAfGjzOKNjSxMDA1NjDwsjM3MDTxN3dyNDUNMjQ1MjPWDU_P0c6McFQH3SLFU/
if there is a restriction in the Proprietorship
Register, section B with words to the effect of "no disposition by a sole
proprietor is to be registered et cetera et cetera", then you do not inherit by
writer survivorship and his half of the house passes in accordance with his
will or if he has not left a will, intestacy.
Regarding the endowment, it depends whether it is
in joint names, or whether you are the beneficiary of the endowment and it pays
out on the first death basis as to whether you get the money directly from the
insurance company or it passes in accordance with his will or if he has not
left a will, intestacy.
The fact that he changed to various other things
but purposely did not change the endowment or the house assists you if you end
up in an argument with his daughters.
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