Terms
What this service is, and what it is not.
Not legal, tax, or insurance advice
Beneficiary Continuity Guard is a record-keeping and monitoring tool. Nothing it produces is legal advice, tax advice, or an insurance recommendation. Whether a divorce revokes a spousal designation, how a trust should be named, and what happens under your policy's specific language are questions for a licensed attorney in your state.
We cannot change your designations
Only your carrier can change a beneficiary designation, using their form. We surface problems and tell you what to ask. Acting on that information is your responsibility, and a finding in this product is not a substitute for filing the carrier's paperwork.
Accuracy depends on what you record
The engine reasons about the records you enter. If a policy is missing, a death is unrecorded, or an allocation is mistyped, the findings will reflect that. We do not have independent access to your carrier's systems and cannot verify what the carrier's form actually says today.
Monitoring is proactive, not real-time
We do not promise to learn of a death as it happens. Credentialed death-record access is restricted in the United States, and the adapters that would use it remain disabled until such access is properly licensed. What we do promise is that when a fact is recorded, its consequences are surfaced immediately.
Contributions
A tip is voluntary, non-refundable, and purchases nothing. It does not create a subscription, unlock features, or entitle you to support beyond what any other user receives.
No warranty
The service is provided as-is. We work carefully and we will tell you when something is uncertain, but we cannot warrant that the software is free of defects or that it will surface every problem in your designations.