The beneficiary form you signed years ago may name the wrong person today.
A life insurance beneficiary designation overrides your will. If it's out of date, the carrier still pays the name on the form — not the family you meant to protect.
Why beneficiary designations go wrong
Most people fill out a beneficiary form once, at the moment they buy the policy, and never look at it again. Then life moves.
- An ex-spouse is still listed as primary beneficiary years after a divorce.
- A child born after the policy was issued was never added.
- No contingent beneficiary was named, so the benefit falls into the estate and through probate.
- A beneficiary's address, email, and phone number are a decade stale, so the carrier cannot reach them.
- Employer group coverage has an entirely separate designation nobody remembers filling out.
How EverKeep keeps beneficiaries accurate
EverKeep treats beneficiaries as living records tied to each policy, not as a line item buried in a PDF.
Primary and contingent, per policy
Every policy in your vault lists who is primary, who is contingent, and what percentage each receives — so a gap is obvious at a glance instead of a surprise at claim time.
A verified-on date for every person
Each beneficiary carries the date their details were last confirmed. Anything older than a year is flagged so you know exactly what to review.
Life-change prompts
Marriage, divorce, a new child, a move, a new employer — EverKeep prompts a beneficiary review at the moments designations most often break.
Your agent can help you review
If your policy is connected to an agent using EverKeep, they can send a one-click verification request at your annual policy review instead of chasing you by phone.
What your family gets
The right benefit reaches the right person, on the first attempt, without a probate fight over a form nobody had looked at in fifteen years.
Common questions
Keep exploring
Coverage sits in drawers, inboxes, and old filing cabinets — scattered across carriers nobody remembers.
A benefit nobody knows about is never claimed. Trusted contacts make sure someone knows.
Insurance is not static. Coverage, people, and addresses drift apart over decades.