<prompt> Human: My parents got separated in 2008 and he made me, the oldest of 4 children, the beneficiary. However, my parents got married again in 2014 and he does not plan to make her the beneficiary again. The problem here is that he never told her that he made the switch and told me that he doesnt plan on telling her. So my question is this. Once he passes away, will she find out about this somehow? I know its going to be a shit storm if she does. What are my options?Thank you for the help!  <response>: Not to sound callous, but if she flips out, tell her, Dont talk to me about it. Talk to Dad.Insurance is a contract between the owner of the policy and the insurance company. It is NOT part of the deceaseds estate, and no one has any claim on it except the named beneficiaries. This means your siblings also have no claim. 