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You need to contact the insurance company and inform them that you wish to change your beneficiary. They will give you a new beneficiary nomination form to complete and sign.
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You should lodge a complaint about this as you should be free to change your beneficiary as and when you wish to.
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Yes in my view.
Unless your ex was a joint policy holder, you should be free to change her details.
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Please accept to continue and upload a copy of your policy.