Your question is a little confusing. A life insurance beneficiary cannot be removed except by the named insured unless there is a court proceeding to prove that the beneficiary somehow unduly influenced or coerced the insured if the insured took out the policy. If someone else took out the policy, that other person can name the beneficiary. There is usually no such thing as a beneficiary of a bank account. If you mean a joint tenant with rights of survivorship, the tenant has as much control over that account as the ward unless there is a court order to the contrary.