State RegulationsAZ specificDifficulty 2/5
A policyholder in Phoenix named his spouse as beneficiary under a health policy and made the designation irrevocable. He now wants to name his daughter instead. Under A.R.S. 20-1356, what is the result?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1356 allows a beneficiary change without consent unless the assignment or irrevocable designation provides otherwise. Because this Phoenix policyholder made an irrevocable designation, the exception controls: the spouse's consent is required before the daughter can replace her as beneficiary.
Why the other options are wrong
- A) A written request alone cannot defeat an irrevocable designation under A.R.S. 20-1356.
- B) No 30-day objection procedure appears in the change-of-beneficiary statute.
- D) A beneficiary change never operates automatically on a premium due date.
Memory hook
Irrevocable means locked — consent is the only key.