Changing the beneficiary on a FEGLI life insurance policy is a straightforward process that requires only a few forms and a clear understanding of the policy's terms. First, confirm whether the policy is a group plan under the FEGLI Act or a private individual policy; the steps differ slightly. For a group policy, contact the plan's administrator or HR department, as they handle beneficiary updates. For an individual policy, you will need to complete the insurer's beneficiary change form, typically available online or by phone. Ensure the new beneficiary's full legal name, Social Security number, and relationship to you are accurate to avoid delays. Once submitted, the insurer will issue a confirmation letter; keep this in your records and update any related documents, such as a will or estate plan, to reflect the change. If you have multiple beneficiaries, remember that the policy may require a primary and contingent designation, and the sum of percentages must equal 100% unless a different allocation is allowed by the policy. Regularly review your beneficiary designations, especially after major life events like marriage, divorce, or the birth of a child, to keep the policy aligned with your current intentions.