This is the process by which a ‘Joint Tenancy’ is converted into a ‘Tenancy in Common’. If you are a joint tenant, upon death of one tenant, their ownership passes automatically to the other tenant. By severing the ‘Joint Tenancy’ you each own 50% share, which you can pass to whomever you wish, upon death. Consideration should be given as to whether to sever a ‘Joint Tenancy’ upon separation.