Question:
❓Which of these will always override what your will says?
A) A handwritten note
B) A verbal agreement
C) A beneficiary form
D) A letter to your attorney
Answer:
✅ C) A beneficiary form
Here’s why:
Wills are important—but they don’t control everything.
Accounts like your 401(k), IRA, or life insurance pass directly to whoever is listed as the beneficiary.
That form overrides your will, every time. So if your will says one thing but your beneficiary form says something else… guess which one wins?
(Hint: it’s not the one you signed at the lawyer’s office.)
This is one of the most common ways people accidentally leave money to an ex, the wrong relative, or nobody at all.
Go check yours.
