Someone can dispute a life insurance beneficiary although to be able to dispute a life insurance beneficiary requires a legal court process.
Because the court process is quite complex to dispute a life insurance beneficiary you should hire and experienced attorney to help you.
A will cannot override a beneficiary designation because the policy is a contract between the person who purchases it and the issuer.
The only way anyone can override a beneficiary other than the policyholder is if a court determines there's a conflict between named beneficiaries and state laws.
Contesting a beneficiary designation on an insurance policy or TOD or POD account can be difficult.
You need an attorney who can help you investigate, file, and prove your case.
Only the policy holder of the life insurance or someone that holds a durable power of attorney for the person can change the life insurance beneficiaries.
An insurance beneficiary is the person or entity that you legally designate to receive the benefits from your financial products.
For life insurance coverage, that is the death benefit your policy will pay if you die.
For retirement or investment accounts, that is the balance of your assets in those accounts.
As a standard life insurance beneficiary rule, you must explicitly identify each beneficiary with their full name and Social Security number.
If you live in a community property state you'll need your spouse's consent to designate a primary beneficiary other than them.
Lump sum payment from life insurance is the most common payout type, and is a single payment which is usually in the form of a check that is given to the beneficiary once the amount has been approved by the insurer.
That single payment would be for the entire amount of the death benefit, minus any outstanding loan amounts, if applicable.