{"id":4578,"date":"2012-03-06T16:15:54","date_gmt":"2012-03-06T16:15:54","guid":{"rendered":"https:\/\/lifequote.com\/?p=4578"},"modified":"2019-01-31T20:51:10","modified_gmt":"2019-01-31T20:51:10","slug":"not-married-choose-life-insurance-beneficiary","status":"publish","type":"post","link":"https:\/\/lifequote.com\/v2\/not-married-choose-life-insurance-beneficiary\/","title":{"rendered":"Not Married? How to Choose a Life Insurance Beneficiary"},"content":{"rendered":"

For many who are covered under a life insurance policy, the fact that they are married makes selecting a beneficiary<\/a> an easy choice. If you are single, however, the choice becomes much more complicated, and it is complicated even further when just thinking of the idea of dying makes you and your loved ones uncomfortable. Still, it\u2019s best to put some serious thought into who you would like to select as your life insurance beneficiary<\/a>. Here are a few things to consider:<\/p>\n

1. Select a beneficiary based on the likelihood of a permanent relationship with you.<\/strong><\/p>\n

Many people may select a girlfriend or boyfriend in lieu of a spouse. While at the time this may seem like an excellent decision based on your undying love for one another, be aware that all relationships are subject to change. The same can be said for very close friendships. If you are unmarried, consider choosing a close family member like a parent, sibling, cousin, or child.<\/p>\n

2. You may want to consider your potential beneficiary\u2019s needs.<\/strong><\/p>\n

An easy way to select a beneficiary is to also take into consideration your potential inheritor\u2019s needs. For example, perhaps you are very close to a sibling, but this sibling may be beyond financially secure. On the other hand, perhaps a cousin has been struggling to make ends meet for years and years. The benefit would be much greater if this person benefits from your life insurance policy.<\/p>\n

3. Age and health are also important factors.<\/strong><\/p>\n

Of course, a parent may be your closest relative and one who would most benefit from your life insurance policy. At the same time, however, if they are substantially older than you, and if their health is failing it may make more sense to select a beneficiary who is more likely to be alive once you pass on.<\/p>\n

4. Consider individuals who will tend to expenses incurred upon your death.<\/strong><\/p>\n

The most important factor to consider when choosing a beneficiary is thinking about who has helped you financially throughout your life, and who will help you upon your death. Who will be most likely to take care of your funeral and other arrangements<\/a> once you pass on? Who has consistently been there for you, financially and otherwise?<\/p>\n

5. Remember that you can typically include more than one beneficiary, and you can change your mind at any time.<\/strong><\/p>\n

Of course, if you cannot decide on a single beneficiary, most life insurance companies accept two or more beneficiaries. What\u2019s more, you can change your beneficiary at any time. Not all life insurance policies are created equally, so be sure to read the details when selecting a policy.<\/p>\n

In the end, selecting a beneficiary is a very personal decision. Just be sure that you\u2019ve given it plenty of thought, and that you\u2019ve discussed the matter with your potential beneficiaries.<\/p>\n

Have questions? We will be\u00a0glad to answer them. Give us a call at 1-800-521-7873 or send us an email at info@lifequote.com.<\/p>\n

This guest post is contributed by Angelita Williams, who writes on the topics of\u00a0online courses. She welcomes your comments at her email Id: angelita.williams7 (at) gmail.com.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

For many who are covered under a life insurance policy, the fact that they are married makes selecting a beneficiary an easy choice. If you are [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":10606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[],"tags":[],"class_list":["post-4578","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"\nNot Married? How to Choose a Life Insurance Beneficiary<\/title>\n<meta name=\"description\" content=\"Choosing a life insurance beneficiary when you are not married is a difficult task. 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