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Why not just go thru it with the insurance company rep? What would be so hard about a policy that you need a lawyer?
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I was thinking the same thing, vegaslady.
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Life Insurance is an asset that is part of your estate plan. When you talk with an elder law - estate planning attorney, you will learn how the policy fits within the medicaid regulations in your state.

The attorney can also help you understand the significance of your beneficiary designations, and also explain how ownership of the insurance policy can be transferred and beneficiary designations changed if you have a Power of Attorney document that grants the powers needed to re-arrange your estate if your become incapacitated in the future.

Your decisions about your life insurance policy can be part of a complete estate plan designed to carry out your intentions, manage long term care costs, protect you and your assets, and avoid probate.

You can find attorneys in your area by asking at your local council on aging, area Aging Services Access Point (ASAP) and by searching online

https://www.agingcare.com/local/elder-law-attorneys
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