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Choosing a Life Insurance Beneficiary & How They Can Claim the Policy When you purchase a life insurance policy, you’ll be given the option of designating one or multiple beneficiaries to receive a death benefit in the case you pass away. There are almost no rules restricting who you can pick. In addition, you can easily change your beneficiary if, for example, you get divorced. The only real restriction is for minors, as you would need to designate a trust or legal guardian as the beneficiary to provide them the death benefit. While you can name anyone as a beneficiary, just make sure to notify them and provide them with a copy of your life insurance policy. Otherwise, they may not know to or be able to file a claim when the time comes. Choosing a Life Insurance Beneficiary What Happens if You Don’t Have a Life Insurance Beneficiary? How to Designate a Life Insurance Beneficiary Designating a Child or Dependent as a Beneficiary How to Change a Life Insurance Benefi...