BA
Beneficiary Audit
🔵 Stable🕐 updated 2026-07-18
🔷 SkillSpec L3
pm-estate
Audit the beneficiary designations that quietly override wills — the account-by-account sweep, the life-event triggers that make them stale, and the coordination check against actual intentions. Use when asked check my beneficiaries, does my 401k go to my ex, do beneficiary forms beat a will, or what should I update after marriage/divorce/a birth. Produces the account sweep list, the stale-designation red flags, the intent-vs-paperwork comparison table, and the update checklist with the verify-in-writing step.
What to give it
▸The account inventory — employer retirement plans (every past employer — the forgotten 401k with the forgotten designation is the classic), IRAs, life insurance (employer group + private), pensions, bank/brokerage POD/TOD registrations, HSAs
▸The life since the forms — marriages, divorces, births, deaths, estrangements — each is a staleness trigger, and the audit walks them chronologically against the forms
▸Actual current intent — who should get what, stated plainly; the audit is a diff, and the diff needs both sides
▸Jurisdiction, loosely — some places auto-revoke ex-spouse designations, some don't, and federal-law plans (in the US) can override state rules — all flagged verify-locally; this skill finds the mismatches, a professional resolves the contested ones
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓The sweep includes past-employer plans and group life insurance, not just current accounts
✓Every account is checked for a contingent, not just a primary
✓The life-event timeline was walked against form dates
✓Every red flag names its consequence, not just its presence
✓The checklist ends in written confirmations, filed
⚠️ What it refuses to do
Do not treat the will as covering designation accounts — the opposite assumption is the audit's founding fact
Do not skip "unknown" accounts — unknown is the most common and most dangerous status
Do not declare which document wins a conflict — flag loudly, route to the professional
Do not name minors directly as the fix for anything — that pattern is itself a flag
Do not close the audit at "submitted" — unconfirmed updates are how this audit gets needed twice
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="beneficiary-audit"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Beneficiary Audit is one of 750 open-source professional AI agent skills — all SkillSpec L3.
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