You’ve signed the divorce papers, divided the house, and maybe even started a new chapter. But if you haven’t reviewed your life insurance policy, your ex could still be the one collecting the cheque. This book is for anyone in later life who wants to ensure their hard-earned death benefit goes to the people they actually care about – children, grandchildren, a new partner, or a charity. You’ll learn exactly how nominations work, why a will isn’t enough, and what steps to take if you live in a jurisdiction where a policy’s ‘irrevocable beneficiary’ still binds you years after the decree. We walk through real-world cases: the divorce order that forgot the mortgage insurance, the term policy taken out during marriage that silently outlived the relationship, and the state pension nomination that never got updated. You’ll get checklists, sample letters, and clear questions to ask your insurer and solicitor. No jargon, no scare tactics – just a calm, practical guide to closing this final loophole. Part of The Later-Life Divorce Library.