Life Insurance

Can a life insurance company change the beneficiary?


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Wiki User
2013-04-07 03:28:40
2013-04-07 03:28:40

The only person who can materially change an insurance policy (including beneficiary changes) is the OWNER of the policy, who may or may not be the INSURED. The company does not have right to make a beneficiary change under federal law. In any case, beneficiary disputes are not uncommon. Finding the original policy will not solve this sort of dispute, since the beneficiary designation may have been changed after issue and will not be evident on the original. The insurance company may have acted upon a legitimate request to change the beneficiary, and if so they will (must) have a copy of that change form, signed by the owner's. (A copy of that change was probably sent to the policy owner at the time of the change, but it may have been lost).


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The Insured can change the beneficiary on a life insurance contract.

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Contact the insurance company and request a change of beneficiary form. They will mail the form to the policy owner. You fill it out and mail it back to the insurance company so they can update your life insurance policy.

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You can contact the life insurance company. They should be able to send you the necessary paperwork to change the beneficiary. If you have an agent, they should be able to help assist in the process too.

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Unless you were ordered by the court, as part of the divorce settlement, to keep your ex-husband as the beneficiary on your life insurance then you can make a change in the beneficiary with your insurance company.

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If he is showing as the beneficiary on your policy - yes. You can call the insurance company or your agent to change the beneficiary.

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