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Deluxe Insurance Group

912 125th Ln
Blaine, MN 55434

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Who Should I Name As My Life Insurance Beneficiary?

One of the most important aspects of any life insurance policy is designating a beneficiary.  It might seem like this should be an easy decision to make, but there are many considerations you should weigh before naming a beneficiary for your life insurance policy.  The team at Deluxe Insurance Group serving Blaine, MN is here to help you make this important decision.

The first thing to do is decide what you want to accomplish when naming your beneficiary.  If you are married and have kids, you’ll likely want to make sure that your spouse and children are cared for if something should happen to you.  If you are a business owner, you might want to name a partner as a beneficiary to ensure that your business stays afloat after you are gone, yet others choose a charity or non-profit organization to ensure their charitable giving continues after they have passed.

The next decision you’ll have to make is if you are going to name one or more people as beneficiaries. If you choose to name more than one person as a beneficiary to your policy, you’ll have to designate which percentage of the policy each beneficiary will receive. 

Once you’ve evaluated your needs and decided who your beneficiary or beneficiaries will be, make sure you keep your policy up to date.  For example, if you choose to name your spouse as your beneficiary and then you get divorced, you’ll want to make sure you update your policy and name a new beneficiary.  It’s wise to have a back up beneficiary in mind in case of major life changes or if your beneficiary should die before you do.

Contact the team at Deluxe Insurance Group serving Blaine, MN today for all your life insurance needs!

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