Estate planning options at UnitedHealthcare

Beneficiary designations apply to group term life coverage issued under the employer group policy.^{1, 2}

The form names primary and contingent beneficiaries and gives each a percentage of the death benefit. The percentages must total 100%.^{1, 2}

Unless the insured directs otherwise in writing, beneficiaries named in the same group share equally. If one dies before the insured, the remaining beneficiaries in that group share equally.^{1, 2}

The form is signed and dated by the insured.^{1, 2}

For life insurance policys. Completed by the insured. Available to download.^{1, 3}

For life insurance policys. Completed by the insured. Available to download.^{2, 3}

A new designation cancels any prior beneficiary designation.^{1, 2}

A designation is effective on the date the company receives it.^{1, 2}

Contingent beneficiaries receive the proceeds only if all primary beneficiaries die before the insured.^{1, 2}