Course 2.6 · 40 minutes

Fixing Life Insurance Mistakes: Policy Reviews, Beneficiaries, and Old Policies

Audit every policy you own, catch the mistakes that quietly cost families money, and fix them before they matter.

Who it is for: Anyone who owns a policy more than five years old, has divorced, or has changed jobs.
Runtime: 40 minutes

Pre-order: this course is in development and appears in your portal the day it is released. Buy 5 or more and every course is 30% off.

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Instant download after payment. Nothing is withheld for a later purchase.

What you receive

Policy Review worksheet
Beneficiary Designation decision tree
Ownership and three-party check tool
Annual Insurance Audit checklist
Sample beneficiary designation language, annotated
The narrated lesson. 40 minutes, cued to the deck, with chapter markers by lesson. Emailed to you the day it publishes, at no extra cost.

What the course covers

01The annual policy review: in-force illustrations and the cost-of-insurance problem7 min
02The ownership audit: ex-spouses, corporations, and the three-party gift trap again6 min
03Beneficiary designations that work: per stirpes, contingents, minors, trusts, and divorce9 min
04Group life through work: the imputed income rule and portability4 min
05Worked example: a family with four policies and three problems6 min
06Tricks of the trade: selling an old policy to your ILIT, converting term before it expires, and paid-up options5 min
07Mistakes and traps: the estate as beneficiary, the minor as beneficiary, and the lapse letter you ignored3 min

How it fits: Requires 2.1 and 2.2. Closes the tranche.

The standard every course holds

A narrated lesson of 45 to 60 minutes, produced as audio
A designed slide deck you download and keep
A computational workbook that runs the actual legal tests
A toolkit of checklists and protocols
A legal authority appendix carrying the two-pass vetting protocol

Written for a diligent reader with no legal education. Professionally narrated using a studio voice model of Brian T. Boyd. The course is recorded instruction, not a live consultation.

Where this course sits

Track 2: Life Insurance

This course is one step in a track built around a single outcome. See the full build order and the other courses that get you there.

Back to this track

Educational material from the private client curriculum of Brian T. Boyd. This is legal education for a general audience, not legal advice, and no attorney-client relationship is created by purchasing, viewing, or using it. Tax outcomes depend on your facts and your state.