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Update Your Beneficiary Online

Don’t leave the answer to that question up to the courts. Designate a beneficiary to ensure your retirement assets are passed to your loved ones according to your wishes.

It’s also important to review your beneficiaries when certain life events happen, such as marriage, divorce, birth/adoption or loss of a loved one.


  1. Go to and click “Sign In” to access your account
  2. Click on your name in top right corner and select “Beneficiary Designation”
  3. Click the “Designation” tab and follow the steps to enter required information
    • Social Security Number
    • Date of Birth
    • Full Name


Contact Mutual of Omaha Retirement Services at 888-917-7191. We’re here to help.


What is a beneficiary?

A beneficiary is an individual, entity, trust, or estate that you designate to receive your plan assets at the time of your death.

What is the difference between a primary and contingent beneficiary?

A primary beneficiary is your first choice to receive the designated share of your plan assets at the time of your death.

A contingent beneficiary will receive the the plan assets upon your death if the primary beneficiary either dies before your assets can be distributed or disclaims their interest in the assets. You can designate more than one primary and contingent beneficiary.

Can I designate someone besides my spouse to be my beneficiary?

If you are married and wish to designate someone other than your spouse as your primary beneficiary, you will need spousal consent. Print the Retirement Plan Beneficiary Designation form, which appears when you click to “Review” designations. The CONSENT OF SPOUSE section of this form must be completed in the presence of a notary or plan representative.


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