In the group insurance you can appoint and change the beneficiary of the lump sum death benefit. There are no restrictions to the persons you can appoint. You can also remove a beneficiary, and payment is made to the estate.
Please note that when payment is made directly to a beneficiary, the payment is protected against creditors. If you choose to remove a beneficiary, payment is made to the estate.
This means that the protection against creditors no longer applies, and possible creditors may have a share of the payment if the creditors’ claims cannot be covered by the estate’s remaining assets. When payment is made to the estate, you can draw up a will and hereby decide who should have the payment.
If you want to appoint or change a beneficiary in the group insurance, you must do it through Forenede Gruppelivs website. You log on to Mit Gruppeliv with your NemID.