It's essential that you appoint a beneficiary for your account. This person will be the one who would receive your payments if something unfortunate happened to you. If you have a serious life change, for example, a marriage or divorce, you should look into updating your beneficiary. There have been cases of nasty divorces, taking years to settle, but the beneficiary never changed. The husband dies and his former wife, not his current wife, received the settlement. Don't make the same mistake and always ensure the beneficiary is who you want it to be. If you decide to sell it and don't want the money placed in your name we can appoint a person of your choosing to be the recipient of the cash flow thus becoming the beneficiary for your sale.