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Frequently Asked Questions Insurance

Can I put a disclaimer in my designation of beneficiary?

Yes, and this works differently than when a survivor disclaims benefits. You can name someone as a beneficiary and someone else if that first person disclaims the benefits. It's a form of contingent beneficiary. As the insured, you CAN specify who should receive the disclaimed benefits (the beneficiary cannot specify who should receive disclaimed benefits).

For example, you could word your designation like this:

Mary Jones, 100%, unless she disclaims. 
Otherwise to Johnson Wallace, 100%.

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