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Co-ownership is when more than one person has ownership of a asset (generally immovable asset).
A co-ownership could be a "joint tenancy", where if one co-owner dies, the other co-owners retain the asset. In this case, the last living owner will get the asset. A co-owner under a joint tenancy cannot give away his/her share under a Will, unless he/she is the last surviving owner.
A co-ownership could be "tenancy-in-common", where if one co-owner dies, his/her share would pass to his/her legal heirs. A co-owner under a tenancy-in-common can give away his/her share under a Will.
In order to determine if a co-ownership is a "joint tenancy", the asset (generally immovable) should be under a single ownership document clearly having the intention to create joint tenancy, vesting at the same time, where the other owners have the same right of possession of the whole asset). If any of these conditions is missing, the co-ownership is "tenancy-in-common".
A tenancy-by-entirety is a joint tenancy between husband and wife.
If you leave any asset to more than one person, Indian Will Maker assumes this to be on a "tenancy-in-common" basis. Indian Will Maker does not give you the option to create a joint tenancy.