Keep beneficiaries and claim details current

Review beneficiaries after major life changes and periodically even when life is steady. A primary beneficiary is first in line under the policy; a contingent beneficiary is a backup if the primary cannot receive the benefit. Use the insurer’s process to request changes and confirm they were recorded. Do not assume changing a will updates the insurance contract. State law and policy terms can affect outcomes, including after divorce.

Use accurate identifying information and clear shares. Naming a minor or someone with special planning needs can require additional arrangements; seek appropriate professional help. Keep policy information accessible to a trusted person so a claim can be started. A beneficiary should contact the insurer promptly after a death and ask about forms and required proof, such as a death certificate. If a policy cannot be located, the NAIC Life Insurance Policy Locator can help search participating insurers; a match or payment is not guaranteed.

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