State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1356, may an insured change the beneficiary of an individual health policy without the current beneficiary's consent?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under A.R.S. 20-1356, the insured may change the beneficiary without the beneficiary's consent unless the assignment or an irrevocable designation provides otherwise. The default rule gives the policyowner full control over who receives the proceeds, with the irrevocable designation as the recognized exception.
Why the other options are wrong
- A) Consent is required only where an irrevocable designation or assignment says so; the default rule allows free change.
- C) The statute requires no insurer approval for a beneficiary change.
- D) A court order is never part of the statutory change-of-beneficiary process.
Memory hook
Your policy, your choice — unless you made it irrevocable.