How To Find Out Who The Beneficiary Is On A Life Insurance Policy? 
You can call your policy 's agent or the carrier directly to find out the current beneficiary structure on the policy . This information can only be released to the policyowner and only the policyowner can make changes to the beneficiary structure , if desired . If the policyowner wants to change the beneficiary , they only need to fill out a simple change of beneficiary form and submit it to the carrier - this can only be done while the insured is living , once they have passed away , no changes are allowed and the proceeds will be paid out as cited in the policy . You want to make sure you do n't create any tax implications to the proceeds when you make those changes -LRB- e.g. violating the `` goodman triangle '' -RRB- - you should discuss changes with your policy 's agent before making any changes to ensure everything is in good order . 