Three roles show up on a life policy. The owner controls the contract. The insured is the life the policy covers. The beneficiary is who the carrier pays after a death claim.
They can be the same person or three different people. A business owned policy is a common case where the owner is not the insured.
Ask your licensed agent which role you hold before you request a change. The household portal does not edit those fields.
FAQ
Short answers you can use on a call with your agent.
Can the insured change the beneficiary?
Only if the insured is also the owner, or the owner gave that right. The owner controls beneficiary changes on most policies.
Devkrest