Hello how may I help you? I need to make some changes to my life insurance policy Ok What is your policy number Policy number is #10240553 What would you like to change Please change the benefactor from 'Gene' to 'Darlene' Im sorry but you will need to make an appointment with their insurance broker Really? That is inconvenient Those changes can only be made at a brokers office due to possible fraud issues Ohhh. Okay. I understand more clearly now. Thanks anyway good day