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Life · Chapter 6 · Beneficiaries

Changing a Beneficiary — Filing vs Endorsement

Definition
Filing (recording) method — the predominant one: written notice to the insurer; effective when submitted. Endorsement method: the policy is returned and the change is endorsed onto it; effective when approved and signed by a company officer.
Easy to confuse with

These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.

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Verified against primary sources · 2026-08-10