誰可以改變受益人的人壽保險政策？
誰可以改變受益人的人壽保險政策？
 Only the policyowner can change the beneficiary on a life insurance policy. You can call your policy's agent or the carrier directly to find out the current beneficiary structure on the policy. If the policyowner wants to change the beneficiary, they only need to fill out a simple change of beneficiary form and submit it to the carrier - this can only be done while the insured is living, once they have passed away, no changes are allowed and the proceeds will be paid out as cited in the policy. You want to make sure you don't create any tax implications to the proceeds when you make those changes (e.g. violating the "goodman triangle") - you should discuss changes with your policy's agent before making any changes to ensure everything is in good order.
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