N.Y. Est. Powers & Trusts Law § 13-4.9

§ 13-4.9 Nontestamentary transfer on death\n (a) A transfer on death resulting from a registration in beneficiary\nform is effective by reason of the contract regarding the registration\nbetween the owner and the registering entity and this part and is not\ntestamentary.\n (b) This part does not limit the rights of creditors of security\nowners against beneficiaries and other transferees under other laws of\nthis state.\n