text:  every five years take another look at it make sure that everything's buffed up and certainly every time something changes in regards to how you want your beneficiaries to be labeled you know you don't wait five years to get that done when you know that you're going to change beneficiaries get it done now it's simple in our office you just make a phone call you talk to lisa and bing bing boom she gets it squared away so well there you go don't delay don't hesitate