Beneficiary check
Seven questions to see whether the beneficiaries on your life policies still match your life — and a list to print.
The beneficiaries decide who receives the payout of a life policy. They are often set once and forgotten, while life changes: a marriage, a divorce, a child, a partner, a loan. The check takes two minutes and can spare your family difficult situations.
It helps to have the policy schedule or the last beneficiary form in front of you. If you are not sure about something, answer “I am not sure”: it counts as a point to check.
Sign in or create a free account to save results and share them with your advisor when you choose.
How to read the result
The result is the number of points worth checking and, for each topic — named beneficiaries, minors, divorce, a new child, an unmarried partner, a bank or business loan, the last check — whether it is fine or needs checking. Below, each point is explained in plain words, with what to ask.
With “Print” or “Download PDF” you get the list as one document, to have with you when you speak to your insurer or your advisor. Beneficiary changes are made in writing, on the insurer’s own form.
What you can do next
- Also run the review of the policies you hold: sums insured, terms and renewals.
- Prepare your family for a difficult moment with the claim readiness checklist.
- For questions of inheritance, guardianship or divorce agreements, ask a lawyer.
- Book an appointment to check the beneficiaries and sums insured of your policies with an advisor.
If you are signed in, you can save the result to My reports and, only if you choose to, send it to your advisor; nothing is shared automatically.
General information, not legal or insurance advice. What applies depends on each policy’s terms and on the rules in force at the time of payment; check your policy and the current rules.
