All Frequently Asked Questions

What happens if a beneficiary can't be reached or doesn't know a policy exists?

In the event of the insured's death, all death benefits will be paid to the primary beneficiary or beneficiaries.
The alternate (or contingent) beneficiary or beneficiaries would receive the death benefit in the event there is no primary beneficiary alive.
It is recommended to name both primary and alternate beneficiaries to avoid death benefits going to an estate, where it may be subject to estate taxes and a delay in disbursing money.
If you would like to make a change to your beneficiaries, the policyholder would need to complete the appropriate Beneficiary Request Form

1. Log in and go to your My Account page
2. Locate the necessary Beneficiary Request Form and click the link. This will prompt an email to be sent to you.
3. Enter the access code via the email to view the document. Click "Validate"
4. Complete the form via DocuSign, eSign, and click "Finish"