Hello how may I help you? I would like to change the terms of my life insurance policy Sure, what would you like to change? I would like to change my primary beneficiary to my son and his wife Sure, unfortunately you will have to make an appointment with one of our insurance brokers. Will they need to be present, and do I need my attorney to be present? Yes, both your son and your wife will need to be present. An attorney is not required but recommended. Okay can you forward my request to this branch or do Ineed to call? I will set up the meeting for you and email you the details. Thank you. You are welcome.