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[Music] hi this is wally pardo today were going to talk about life insurance please visit us also at wfpbenefits.com how to change the beneficiary on a life insurance policy any policy that you have in life insurance whether its an annuity or a life insurance policy can be that has a designated beneficiary and that particular beneficiary primary and or contingent beneficiary can be amended uh the change or amendment can be done unless there is something specifically written that you cannot change something that is irrevocable all right so what you do traditionally is you request a new beneficiary form and then you write on the top amend and the date and you submit it in but each policy of amendment is different with each carrier so i would definitely call the carry and consult them for their policy in changing or amending policies once again this is wally pardo if you need more information definitely give us a call or visit us at wfpbenefits.com thanks you