<prompt> Human: I work in the financial industry and the number of accounts I come across without beneficiaries is mind blowing. If you dont have a beneficiary established for all of your accounts 401k, IRA, Roth IRA, Life Insurance, etc then you are taking a risk of leaving money floating around that your loved ones could use for collegepass on to their childrenpay for your funeral. Dont create more work for me and make me hunt your family down to throw piles of money at them. New account? Establish your beneficiaries! Had a kid? Review your beneficiaries! Got married? Update your beneficiaries! Got divorced? Change your beneficiaries!  <response>: Got divorced? Change your beneficiaries!The company I work for owns 5 hotels in DC, one of the employees at a property passed away and our life insurance pays one years full salary.To the guys ex-wife. Absolutely brutal.Edit: and he remarried, dont know how I left that part out. So his current wife is screwed. 