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I need to know what is the best route of leaving my life insurance money to my son who is 3 years old.

Greenwood, DE |

I have listed my mother as my beneficiary, but the next person I would want it to be would be my son who is 3 years old. I was told that I would need to make a trust for him and list the trust as my other beneficiary and set him at a certain age to receive the funds, but I am unsure of how to go about doing this. Could someone please inform me because I just do not know how to piece it altogether. Thanks!

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Attorney answers 3


Change the beneficiary to your son if he's an adult, and if he's a minor, you need to appoint a guardian for your son, which may also be your mother. See an estate lawyer for help.

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Hello! Thank you for your quick response! I do appreciate it! I did mention in the living trust guardians for my son, the main one being my mother. I thought from my understanding that the only way to list my son as a contigent on my life insurance policy would be too open a trust. From there it gets confusing. I listed him as a second beneficiary behind my mother, and listed that he would have to turn 18 years old before the funds were made available to him. What if by chance my mother dies and the other guardian I selected dies before he turns 18 years old. I do not want it getting mixed up in the state. I really and truly appreciate your time you took to reply to me! :)


Contact your life insurance agent and let him know you want to name your 3 year old son as a beneficiary. The agent is in the best position to let you know the life insurer's process for naming a minor as a beneficiary and how they would handle the distribution of funds in a way that most protects your child..


Get a trust that has provishions for a minor. retitle the polocy in the name of the trust.

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