# [Health Insurance] 24, Legal Actions and Change of Beneficiary Provisions

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-24-legal-actions-and-change-of-beneficiary-provisions
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-24-legal-actions-and-change-of-beneficiary-provisions.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-20T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/90e1e60e-ef8c-4801-9d93-d5b67b07b7fb.mp3
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Duration seconds: 187

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - An insured must wait a minimum of 60 days after submitting proof of loss before they can file a lawsuit against the insurer. - The statute of limitations for taking legal action against an insurer is three years from the date proof of loss was required. - A revocable beneficiary, which is the default designation, can be changed by the policyowner at any time without needing the beneficiary's consent. - An irrevocable beneficiary cannot be changed unless the policyowner obtains that beneficiary's written consent. - Exam questions frequently test the specific timeframes of the Legal Actions provision and the consent requirement for irrevocable beneficiaries. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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