Isn't that a bit of an issue if the FA will state that your mom requested the change even with CS's objections?And I spoke with the financial advisor who had gone to my mom's house at her bidding to make the change and he told me that he was with my mom in the living room, CS was in the kitchen and when mom said she wanted to make CS the sole beneficiary that CS made a big production that she didn't want it, that it would mess up her disability benefits but mom was just adamant that CS be made sole beneficiary.