10/21/2026
The beneficiary you picked years ago might not be the person you'd pick today.
It's Estate Planning Awareness Week, and this might be the easiest piece of the whole thing. A simple check usually takes about five minutes.
Check your current policy information or call the insurer directly, and confirm:
The person listed is the person you'd pick today.
What's on file with the insurer matches what you remember putting down.
Whether there's a backup beneficiary listed, too.
Life moves. Marriages, losses, new grandbabies, a move across the country. The insurer generally pays based on the beneficiary designation on file, not on what you meant to change.
If you'd like a second set of eyes, I'm glad to walk through it with you once a year. It doesn't matter who sold you the policy.
When did you last check the beneficiary on your policy?
RyCo Life Solutions is an independent brokerage, licensed in 47 states plus D.C. Call 314-876-0334.