I was in my account today paying some medical bills and came across my list of beneficiaries and of course Steve was still listed as my beneficiary. I called them to find out what I needed to do. The guy that I talked to was really nice and said first of all that he was sorry to hear that my husband had passed away. And that yes, I could just click delete if he was no longer going to have access to my account as a beneficiary. So with tears in my eyes, I clicked delete and added my children instead.