My mom was listed as a beneficiary on her sister's life insurance policies and her 403b retirement plan. On the retirement plan my mom was 50% beneficiary and her sister's husband was also 50% beneficiary. When the husband went to file claims on the policies he was surprised my mom was the beneficiary on the plans and acted as if there were papers at home that were not filed that made him 100% beneficiary on all the policies. The husband submitted papers about 3 weeks after the death and then my mom called the 403b company and they told her since the papers submitted had a date on them before the death they accepted the papers and took her off as the beneficiary. Is this right? Also, the life insurance told my mom they got similar papers and are now freezing the funds and won't release them until either a court tells them too or my mom and the spouse make a notarized agreement. I though on both the retirement and life insurance all that matters was what was on file at the time of death and things can't change after the death. How is the spouse able to submit papers after the death and change the beneficiaries?