Can I change my beneficiary on a life insurance policy?
Answered by 6 licensed agents
Answered by Glenn Alterman on June 17, 2026
Broker Licensed in TX, AR, AZ & 8 other states
Answered by Josh Koon on June 17, 2026
Agent Licensed in WI, CA, FL & 6 other states
You can contact your insurance agent or you can call the insurance company to request the change.
If it’s an irrevocable beneficiary, you cannot change it without their convent. However, most life insurance beneficiaries are revocable, unless you told your agent to make them irrevocable.
Therefore most likely yours is revocable, thus can be changed. I have never written an application with an irrevocable beneficiary but just saying it can be done both ways.
You can check your application that’s included as part of the life insurance contract. Check the beneficiary section to see what type of beneficiary is checked.
Hope this helps. Long answer but all the details :-)
Answered by Sandra Bailey on June 17, 2026
Broker Licensed in TN
There is a beneficiary change form you must fill out.
Simply reach out to your insurance provider/servicing agent for your next step
Answered by Lady-Vienna Vedal on June 17, 2026
Broker Licensed in NC
Answered by Shlomo Peretz on June 17, 2026
Agent Licensed in NJ, CA, FL, NY & TX
Answered by Tina VanPhung on June 17, 2026
Agent Licensed in OR
Tags: Advice for Beneficiaries How Life Insurance Works
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