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JKL MNO Beneficiary Designation Securian Financial Group, Inc. Minnesota Life Insurance Company Securian Life Insurance Company, a New York authorized insurer 400 Robert Street North St. Paul, Minnesota.

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How to fill out the F83345 2 online

Filling out the F83345 2 form is an essential step in designating beneficiaries for certain policies. This guide provides clear instructions to help you complete the form online with confidence and accuracy.

Follow the steps to successfully fill out the F83345 2 online

  1. Click ‘Get Form’ button to access the F83345 2 form and open it in your preferred editor.
  2. Enter the employer name and policy number in the designated fields.
  3. Provide the insured's name by entering their last name, first name, and middle initial as required.
  4. Input the insured's social security number or ID to correctly identify the insured individual.
  5. Fill in the address details for the insured, including the street address, city, state, and zip code.
  6. Indicate the insured's date of birth to confirm their eligibility.
  7. If applicable, provide the name of the policyowner, especially if it differs from the insured.
  8. Enter the policyowner's phone number and email address for further communication.
  9. Designate primary and contingent beneficiaries by filling out their names, dates of birth, addresses, phone numbers, social security numbers, relationships, and the percentage share for each. Ensure that each share totals 100%.
  10. Review all the entered information for accuracy and clarity.
  11. Sign and date the completed form where indicated to authenticate your submission.
  12. Save any changes, and proceed to either download, print, or share the completed form as needed.

Complete your F83345 2 form online today to ensure your beneficiary designations are accurately recorded.

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In the event your primary beneficiary dies before or at the same time as you, most policies also allow you to name at least one backup beneficiary, called a “secondary” or “contingent” beneficiary. If the primary beneficiaries are all deceased, the secondary beneficiaries receive the death benefit.

In some states, life insurance companies may owe beneficiaries interest on unclaimed life insurance benefits once the funds are paid out. The amount of interest and the date when the “clock” starts ticking for payable interest varies by state.

Creditors cannot come after life insurance when paid to a beneficiary. Your beneficiaries can spend the death benefit money however they want.

The beneficiaries will never receive payment if they do not claim the life insurance benefits. The money can remain with the life insurance company for a certain period, but as you will see below, the life insurance company does not keep the money forever.

A spouse may be able to override a life insurance policy beneficiary and collect the funds from the claim if they live in a community property state. However, in noncommunity property states, which are the majority of states in the U.S., the spouse may not be able to override the listed beneficiary.

While a spouse doesn't override a designated beneficiary on a bank account, they may be entitled to a portion of the assets in a payable-on-death bank account if those assets are community property.

Many states require insurance companies to check the Social Security “Master Death File” for deceased policy holders and to try to notify their beneficiaries when they find a policyholder on that list. But that can take time. And it's not the rule in every state. So, don't count on the company finding you.

Unclaimed life insurance policy proceeds are turned over to the state in which the insured is last known to have resided (often with interest) after a certain number of years have passed, following state laws on unclaimed property.

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