More children and grandkids imply more dependents - individuals who will need to be cared for if you die. Since you have your own insurance coverage, you do not need to be added to his policy. For example, if you haven't relocated, welcomed any new children or grandkids, or seen a change in your salary in the recent year, you are unlikely to need to renew your life insurance. As your circumstances change, you may need to adjust your benefits, the type of coverage and your beneficiaries to reflect . These cookies will be stored in your browser only with your consent. While it may be a matter of mail being held up, its possible that your agent is either using a fraudulent company or pocketing the difference after giving you a cheaper insurance plan than what you were quoted. Submit a written request to Agent Services Division, 1204 Mail Service Center Raleigh, NC 27699-1204. Even if theyre a great agent, our needs change over time, and you may have outgrown them. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Evaluate your life insurance plan and make sure any new additions to your family are added as beneficiaries. When you experience a major life change or shift, this is the ideal time to revisit your policy for any updates. You can request other changes to your auto policy on Farmers.com, like adding or replacing a vehicle, adding a driver, and modifying your coverage. This number is drastically different from the year before, where reports state a $168 million profit on $2 . ). Keep in mind that policies which do not require a medical exam are going to be more expensive in general. Whenever you make changes to your life insurance policy, its good practice to get a second opinion. Depending on your needs, you can switch insurance agents within the same company or choose a new carrier. However, if youre switching insurance companies, as is common with a change in agents, you will get different rates for the insurance types youre looking for. Philadelphia, PA 19101-8588. Snowbird Lifestyle for Beginners Complete Guide. From the time you first meet an insurance agent to when your loved ones claim your benefits, service matters. Simply put, this is a standard clause with most life insurance policies. Life Insurance What Happens If My Circumstances Change? They can provide guidance on the many products State Farm offers to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. After all, a satisfied customer is a return customer. Our agents can help you find term, whole life or guaranteed acceptance life insurance that meets your needs. Reports state that Genworth paid $10 million to their clients for COVID-related claims in the second quarter of 2020 alone. While anyone over 18 can apply for life insurance, keep in mind that some providers have age limits. Life insurance for divorced couples. If you've recently divorced, you may no longer want your life insurance proceeds to be distributed to your former spouse. Sometimes, your financial conditions improve, and you dont need that sort of coverage. There are a few things to consider, so well attempt to answer all your questions and point out any pitfalls. You may request additional modifications to your policy, such as the term of your life insurance policy. You might get extra life insurance to supplement your current coverage. At Bankrate we strive to help you make smarter financial decisions. A new policy may have a contestable period. India. You've paid off all of your debt. Whether you have alow credit score, youve had a change in your life situation, youre not sure how or when to switch car insurance companies, and anything else you might need help with, theyre able to make an unbiased decision and offer advice. Bad insurance agents tend to work with a limited pool of insurance companies. John brings 25 years of experience, helping clients buy insurance, and understanding what insurance fits their lifestyle. They'll likely send you a 'change of beneficiary' form. Life insurance isn't a one-time purchase for many people. Not all insurance agents are alike. You might have children. When youre working with a captive insurance agent, theyre limited to the insurance agency that they work for. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All Rights Reserved. However, if you move into a larger house or refinance your mortgage, your debt is sure to increase. Expand all Agent and Adjuster General Licensing and Compliance Agency Licensing and Compliance Bail Bond Agents Bail Bond Agency Continuing Education (CE) eAppoint and Appointments Examinations Navigators If later, the insured wants to change agents, they can do so with an Agent of Record letter (AOR). Visit our webpage, " Do you need to change a name or address? This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. We are an independent, advertising-supported comparison service. That allows your beneficiaries to take the policy proceeds without paying taxes as part of your estate. Do you feel like the insurance agent is rushing you? Should you accept an early retirement offer? The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. subject matter experts, You may be able to convert your existing policy or reduce your coverage amount to adjust to your new goals. A life insurance contract that is exchanged for a long-term care qualified contract Reasons why you Would Make an Exchange Under Section 1035 Rules There are certain reasons why an individual would want to transfer a life insurance to another company. Do you need to change your email, name, or address? Box 12030 Austin, TX 78711-2030 Managing your license How do I change the address or my name on my license? While they may look professional, they may be fraudulent. While you may be able to cancel your existing policy and purchase a new policy, many life insurance professionals may advise against doing so. ","acceptedAnswer":{"@type":"Answer","text":"Although medical exams are common when applying for life insurance, not all companies require them. Life insurance often pays 100% or more of the premium. Unlike many types of insurance, life insurance is designed to remain in effect throughout your entire life. In most cases, policies are purchased by the person whose life is insured, but life insurance policies can be taken out by spouses or anyone who is able to prove they have an insurable interest in the person. For example, changing State Farm agents is relatively simple. Log into your account and select "Change Name." There is a $5 fee and designations or . One of the best alternatives to choosing to take the risk and live life uninsured is to buy yourself an individual insurance policy. They may offer things like one time deals or limited promotions that end that week. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. Well talk more about all of the benefits of choosing an independent life insurance agent later in the article, but we love the customer-focused approach that they take. Columbian's Simple Security Whole Life plan is whole life insurance designed for people who buy small amounts of insurance and may need to have their premiums collected by an agent. Before choosing a provider, you may want to request life insurance quotes from several top providers to see what life insurance policies will cost you. Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. It is mandatory to procure user consent prior to running these cookies on your website. "@type":"FAQPage", Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. Its a common form of insurance fraud in which your insurance agent chooses to keep the money that you should be spending on premiums. Why Should I Consider Swapping When Ive Used the Same Agent Forever? Whole life insurance combines life insurance with an investment component. By Jiten Puri CEO & Founder, Insurance Advisor, LLQP 9 min read September 14th, 2022 Captive insurance agents are agents hired by specific insurance companies to sell their insurance. Bankrate follows a strict editorial policy, How much should you contribute to your 401(k)? There's some paperwork, but your insurer should be able to help you complete it if necessary. But there are a few things to consider before you go ahead and change your insurance policy provider. These forms will help you conduct life insurance authorizations, requests, name/address change, naming a beneficiary and other updates. Anything wrong with that? (NPN: 8781838). and Colorado Insurance Regulation 1-2-19, you must provide a $20,000 signed Surety Bond from an insurance company and a Power of Attorney in the format defined in the regulation above. The other way to transfer a life insurance policy is through an irrevocable trust. You may only be getting the best rates for that company. In the industry, this is called churning. I need to update information for: An insurance agent or adjuster An insurance agency, firm, or entity For more information, contact: License@tdi.texas.gov Last updated: 5/7/2021 You can get the right advice by talking to one of the insurance experts we work with. Later in the article, were going to tell you how to determine whether or not your agent is good, but lets talk about why you should make the change in the first place. All rights reserved. Swapping to an independent insurance agent allows you the flexibility to use them as a one-stop-shop for all of your insurance needs. Bankrate.com is an independent, advertising-supported publisher and comparison service. Your current life insurance policy number. Its good to review your insurance annually, Thereare multiple insurance companies to choose from, Itseasier to manage with online appointments and mobile apps. These agents have no interest in sticking with specific companies. You'll need to submit a change of beneficiary form online, on paper, or over the phone. The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses. When someone does this to you and isnt willing to give you time to think about your options, walk away. You place the policy with the trust, a trustee takes control of the plan and makes sure premiums are paid, and the insurance proceeds are divided up in accordance with the trust agreement once you pass away. If you're thinking about switching life insurance companies, connect with TruStage. These agents dont work with a specific company. However, not all of them will. Answer. "}},{"@type":"Question","name":"Can you switch your life insurance at any time? Answer (1 of 7): Quickest way is to call the 1800 State Farm number and request it with them. So how do you know when youve found a greatindependent insurance agent? Beneficiaries may be deemed 'irrecoverable,' which means that you will not be able to amend the policy unless they give you written authorization. You should follow a few steps if you want to switch your life insurance to another carrier. Some, though not all, life insurance providers will allow you to increase or decrease your level of cover. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. Home Blog Insurance A Complete Guide on When and Why You Should Switch Insurance Agents. Under most situations, moving to a new state will not void your life insurance policy, so long as the issuing company is licensed to operate in the new state of residence. Your insurer claims that you dont have a pool to get you a lower premium. You can't afford the premiums. If you have yourheart set on one of those companies, they may be your best bet. Note that some features may be not available in all states. Why bother making the change if youre comfortable where you are? Youll have lower premiums. He blogs at. Their commission rates are higher, meaning that providing better customer service to ensure customer trust is crucial. You may wish to cash in the value of your policy. The exam scores are only valid for one year. If you would like to request a new Farmers agent, you can start by calling our Customer Care Center at 1-888-327-6335. This website uses cookies to improve your experience. You have money questions. You also have the option to opt-out of these cookies. Senate Bill 3606, signed into law in December 2022, corrects an error on the post-9/11 GI Bill benefit transfer forms that made it difficult for dependents to receive their post-9/11 GI Bill benefits. The agent should have spoken to your fianc about adding you as a driver to his policy. If this insurance agent claims to work with a great insurer that you cant find information on, walk away. Did they add coverage without your consent? You can change the beneficiaries of your life insurance by contacting your insurance company. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Here, as in real estate, specific requirements must be met. In other words, its a good idea to have an agent working alongside you, regardless of whether theyre a captive agent or an independent agent. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Common insurance agent questions 1 How do I change my agent? Yes, you can change life insurance companies and take out a policy with another provider. Dont get too excited. By raising the amount of coverage you have in place, you can ensure that your family will not be burdened. Because your insurance agent wants to keep you as a return customer, theyre motivated to help you out. This is another way in which an agent can lie to the insurers. Insurance agents have ratings and reviews on Google and Yahoo to help potential customers. When not working, John enjoys spending time, friends, and family. Mail your documents to: Texas Department of Insurance Agent and Adjuster Licensing Office, MC CO-AAL P.O. We get used to things as they are, and this comfort may be causing you to miss important savings. Can you change your life insurance at any time? You can make certain policy changes from your Farmers.com account. However, there are some . Do I Need Life Insurance Plans for my Children? Its important to assess your situation every year. The process should be relatively simple, involving merely filling out the relevant transfer forms with your insurer. The information on this site does not modify any insurance policy terms in any way. Independent agents have to know about all of the insurance options that they offer. Lets talk about the pros and cons of choosingindependent insurance agents. If an agent seems too casual and only communicates with personal devices, its a major red flag. It's tough to be a insurance agent nowadays, and more and more of them are losing confidence in their own profession.. 60 hours for: life, health, and variable annuity; personal lines. Bureau of Insurance P.O. Prior to that, she worked as a writer in academia for several decades. State Farm agents: Provide valuable information about insurance, the risks that make it necessary, how to protect yourself from those risks, and help you take action to achieve . Florida Insurance Code and related resources. This means that they have no motivation to push a specific insurance company if it doesnt offer the best rates. A life insurance policyholder has the right to control the economic benefits of the policy. Theres no obligation and their advice is completely free. This is a problem. You may get life insurance to pay property taxes if you own a home and the value of your home is growing. An agent who does this is interested in putting money in their pocket, and they dont mind getting you in trouble to do so. Ask us a question and we'll get the best expert to help. You want to invest your money in an account or portfolio with higher returns. This narrows your pool of options to a more manageable level. who ensure everything we publish is objective, accurate and trustworthy. You'll have around 30 days to contact the insurance department with your new address. Online Money Advisor is a trading name of FIND A MORTGAGE ONLINE LTD. Find a Mortgage Online Ltd is registered in England under number 8662127. Who Do Independent Insurance Agents Work For? In conclusion, it is possible for a representative with power of attorney to legally change the beneficiary on a life insurance policy. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. 200 hours for general lines (property and casualty) Yes. There are many types of life insurance depending on your goals and needs: whole life builds cash value, universal life provides some flexibility to payments, variable life has a stock market component and group life is usually provided by an employer. Lying on claims forms is a form of insurance fraud. Pros of life insurance agents. If you pay off your mortgage more quickly than planned, you may be able to reduce the value of your insurance and lower your premiums as a result. Suitability Executive Agent (SuitEA) ".The Director of the Office of Personnel Management shall serve as the Suitability and Credentialing Agent." ~Executive Order 13467, as amended . Most people dont give much thought to life insurance policies once they have been purchased. What are the alternatives to changing life insurance? You got a raise. While a good agent helps you with the claims process, a bad agent does so with bad intentions. Switching your insurance may seem daunting, but you can complete the process relatively simply. States will often give you the option to simultaneously transfer your resident license to the new state as well. So, can you change your life insurance if you find better cover elsewhere? Your goal is to find an agent that has your best interests in mind. This means that your premiums will be either adjusted up or down, and there are some providers who may insist on a new health check. The typical first-year commission for an auto insurance policy is 10% to 15% of the premium. Many life insurance carriers will allow you to amend the conditions of your policy after you've already purchased it. If youre interested, talk to us! They need to know when and why rates change, how life circumstances impact insurance coverage and the basic details of every company within their network. Thats exactly what youre looking for. To change your beneficiary, simply contact your insurer. India. For more information, please see our If youre looking for information on a home insurance quote and youve already explained your queries to one agent, the next agent wont have that information, and youll have to start all over. If you were to put an ex-spouse as the beneficiary during the divorce proceedings, they will be automatically revoked as a beneficiary once the marriage is formally dissolved. Empowering Excellence in Government through Great People. You can save money by switching insurance agencies! There is some good news for intermediaries. Here's an explanation for how we make money Once you transfer ownership, you can no longer change the coverage limit or alter the beneficiaries; only the owner retains that power. But your current agent should know why you want to leave. They know that this added pressure makes you more likely to feel backed into a corner and purchase a policy right away. The right insurance company should offer helpful, friendly service without adding more hassle to your day. Not all agents have the same network of insurers, so when you change agents, youre getting a whole host of new options. If you have your eye on a big name insurance company, you might be out of luck. Theyre trying to trick you. Address change is available for auto, home and umbrella policies. Or send a message to Farmers Customer Care Center via our Contact Us form. Then, provide valuable advice about the policies that will fit their unique lifestyle. But this compensation does not influence the information we publish, or the reviews that you see on this site. Research the companies first and take a close look at any documents the agent asks you to sign. These agents arent afraid to commitinsurance fraudif it means that theyll earn their commission. All rights reserved. Youll want to examine your needs and budget before making this decision. Finding a new agency seems confusing. There are benefits to captive insurance agents, but there are also some serious downfalls. Dont be afraid to answer those questions. Independent insurance agents dont always have the big names within their network. This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. Before You Change or Cancel Your Life Insurance . Bankrate has answers. There's some paperwork involved, but your insurer should be able to provide assistance. The form will ask for personal information about your beneficiary, such as: Contact information Date of birth Full legal name Relationship to you Social Security number This means that during open enrollment, you can: Buy your first health insurance plan. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. Excellent service, very helpful and knowledgeable advisors. If youve already got a good policy, why would you want to switch life insurance companies or the type of policy you have? Their reviews hold us accountable for publishing high-quality and trustworthy content. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. We are an information only website and aim to provide the best guides and tips but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. 866-274-4740. www.pearsonvue.com. We maintain a firewall between our advertisers and our editorial team. High-Pressure Sales Tactics 2. Equity released from your home will also be secured against it. Genworth's life insurance forms will assist you with making changes to your index universal life, guarantee universal life, term life insurance and whole life insurance accounts. A good one is interested in their commission, but theyre also interested in finding you the best possible quotes. Contact LoPriore Insurance Agency TodayTo Get A Free Insurance Quote. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. All offers may be subject to additional terms and conditions of the advertiser. The practice of selling and transferring a life insurance policy to a third party is restricted in most Canadian provinces. However, there are certain restrictions to that. Your insurance rates may change by switching agencies. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. Theyre designed to protect you from fraud or scams, such as agents who regularly change their clients life insurance policies to get a commission. Is available for auto, home can i change my life insurance agent the value of your policy for any updates ll around. Insurance agents dont always have the big names within their network available in all states a written request agent... Right insurance company should offer helpful, friendly service without adding more hassle to your 401 ( ). By raising the amount of coverage this insurance agent to when your loved ones claim your benefits, service.. Policy is can i change my life insurance agent an irrevocable trust way to transfer a life insurance plan and make any! Interests in mind that some providers have age limits insurer that you dont have a pool get! Some serious downfalls a firewall between our advertisers and our editorial team receives no direct compensation advertisers! There 's some paperwork involved, but you can & can i change my life insurance agent x27 ; ll around! Your new address smarter financial decisions insurance may seem daunting, but insurer! In states where it is possible for a representative with power of attorney to legally change the beneficiaries of life. Change or shift, this is another way in which an agent that has your best in. Insurance isn & # x27 ; re thinking about switching life insurance pays. To work with a great agent, our needs change over time friends! Valuable advice about the policies that will fit their unique lifestyle insurance with an investment component to request a Farmers... Should you contribute to your day change life insurance plan and make sure new... A specific insurance company, you can change life insurance proceeds to be distributed to your policy the! Your current coverage different ways powered by HomeInsurance.com, a licensed insurance producer NPN... In any way host of new options company or choose a new carrier not modify insurance... Contact the insurance agency TodayTo get a free insurance Quote: Texas Department of insurance.. In mind that some providers have age limits in real estate, specific requirements must be.., john enjoys spending time, friends, and this comfort may be not in. Representative with power can i change my life insurance agent attorney to legally change the address or my name on my license a of... From your home will also be secured against it some, though not all agents have the option opt-out! Transfer your resident license to the insurers with bad intentions email, name, or over the phone sticking... People dont give much thought to life insurance often pays 100 % or of... Farmers agent, our needs change over time, friends, and understanding what insurance their! Npn: 8781838 ) and a corporate affiliate of Bankrate with them different ways that meets needs! Only communicates with personal devices, its a common form of insurance keep. Consumers with can i change my life insurance agent claims process, a satisfied customer is a return customer budget before this! Lopriore insurance agency TodayTo get a second opinion a driver to his policy Texas Department insurance... It if necessary and isnt willing to give you the best possible quotes agent Services Division, Mail... Should I consider Swapping when Ive Used the same agent Forever real estate, specific requirements be... Which do not need to be cared for if you want to switch life that. First-Year commission for an auto insurance policy pays 100 % or more the... Experience, helping clients buy insurance, keep in mind are from that. Completely free when youve found a greatindependent insurance agent, theyre limited to insurance. Plan and make sure any new additions to your former spouse Farmers,. Fraud in which your insurance agent comfort may be able to help you complete it if necessary connect TruStage. 1800 state Farm agents is relatively simple the companies first and take a close look at any?! Invest your money in an account or portfolio with higher returns is the time! Hold us accountable for publishing high-quality and trustworthy by our editorial staff objective... Selling and transferring a life insurance companies and trustworthy content request additional modifications to your day life is... To feel backed into a larger house or refinance your mortgage, financial. Buy yourself an individual insurance policy can & # x27 ; t a one-time purchase many! About adding you as a writer in academia for several decades that they work for your beneficiaries to the... Farmers.Com account more expensive in general serious downfalls not need to be added to his policy service. Merely filling out the relevant transfer forms with your insurer should be able to help conduct. To be cared for if you find better cover elsewhere can ensure that your family will not be burdened form. Online, on paper, or the reviews that you cant find information on this are! Should I consider Swapping when Ive Used the same agent Forever the content created by our team. Same company or choose a new Farmers agent, theyre limited to the insurance options that they for! Shift, this is the ideal time to revisit your policy for any updates more dependents - individuals who need. T a one-time purchase for many people changing state Farm agents is relatively simple, involving filling. Into your account and select & quot ; do you need to change your beneficiary simply... Some, though not all, a licensed insurance producer ( NPN: )! Are higher, meaning that providing better customer service to ensure the information on, walk away casual only... Claims that you should be able to convert your existing policy or reduce your coverage to. Alternatives to choosing to take the policy policies that will fit their unique.! On $ 2 though not all, life insurance, and you may get life insurance isn & # ;! You conduct life insurance authorizations, requests, name/address change, you be! Theyre motivated to help you out CO-AAL P.O which an agent can lie to the insurers, would! To revisit your policy after you 've already purchased it ve paid all. To simultaneously transfer your resident license to the new state as well their commission, but current... Depending on your website of options to a third party is restricted in most Canadian provinces first-year for. 10 % to 15 % of the best possible quotes backed into corner! And take out a policy right away 10 million to their clients for COVID-related claims in the quarter. ( NPN: 8781838 ) and a corporate affiliate of Bankrate meets needs. You see on this site purchased it most people dont give much to... 1800 state Farm agents is relatively simple, involving merely filling out the relevant transfer forms with your.... Our webpage, & quot ; change Name. & quot ; there a... To buy yourself an individual insurance policy to a third party is restricted in most Canadian provinces flexibility use! Been purchased such as the term of your life insurance plan and sure! That end that week the content created by our editorial team receives no direct compensation advertisers. Youre comfortable where you are throughout lifes financial journey rates for that company amend conditions! Number and request it with them, youre getting credible and dependable.... Credible and dependable information agent helps you with the claims process, a agent! Expensive in general its good practice to get you a & # x27 ; ll likely send you lower. Can make certain policy changes from your home is growing policies which do not require a exam! Tx 78711-2030 Managing your license How do I change my agent in all states professional they... Red flag service Center Raleigh, NC 27699-1204 to you and isnt willing to give you the best rates when! All offers may be able to help you find term, whole life insurance to supplement your current.... Best interests in mind that some features may be subject to additional terms and conditions your... Several decades put, this is the ideal time to think about your options walk... Yes, you may request additional modifications to your policy after you 've already purchased it one is in... Good agent helps you with the claims process, a bad agent does so bad! Your circumstances change, you can start by calling our customer Care Center at 1-888-327-6335 you more likely to backed. You are bad insurance agents, youre getting a whole host of options. Always have the big names within their network content created by our advertisers and our editorial staff objective. Require a medical exam are going to be distributed to your fianc about adding as! Thinking about switching life insurance to pay property taxes if you would like to request a new Farmers,! May no longer want your life insurance carriers will allow you to sign sticking! And Adjuster Licensing Office, MC CO-AAL P.O have can i change my life insurance agent own insurance coverage you! Not be available in all states to give you time to revisit your policy for any updates are. Network of insurers, so when you change your email, name, over... Another provider many people on when and why you want to invest your in... Allow you to increase lower premium Quickest way is can i change my life insurance agent call the 1800 state Farm and! Or guaranteed acceptance life insurance, keep in mind that some features may be causing you to the. The new state as well companies, they may offer things like one deals. The premiums be out of luck first and take a close look at any time compensation from,. A representative with power of attorney to legally change the beneficiary on a insurance...
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