Irrevocable Beneficiary
A beneficiary whose designation cannot be changed without their consent.
What Irrevocable Beneficiary means in an estate
Most beneficiary designations are revocable, meaning the account or policy owner can change them at any time. An irrevocable beneficiary has a locked-in right, so the owner cannot remove or change them without that beneficiary's agreement. These are most common in life insurance, sometimes as part of a divorce settlement.
How this works in your state
The concept is national, but the forms, procedure names, thresholds, and filing practice vary by state. Open your state glossary and guides to see how irrevocable beneficiary is handled where the estate is being settled.
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Information current as of April 4, 2026
Settled Estate is not a law firm, and this content is for informational purposes only and does not constitute legal advice. Probate laws and procedures in your state can change. Consult with a qualified attorney for advice specific to your situation. Full disclaimer.