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发帖数: 1489 | 1 现在的坑真是越来越没水平连我老都看不下去了。
在美国绝大部分州，基本上所有的annuity plan, retirement plan, pension plan 默
认的财产继承人都是配偶占100%, 子女没份，父母更是靠边站。如果不是的话，配偶需
要签字认同其它任何形式的分配, 并且此配偶签名需要公证。 This is what we call
"Spousal consent".
Life insurance属于个人权利可以不需要spousal consent随便designate beneficiary.
典型的条文形式如下，
401k Plan BENEFICIARY DESIGNATION
SPOUSAL CONSENT SECTION
If you are married and your beneficiary is someone other than your spouse,
then your spouse must sign and date this form as indicated below, and the
signature must be not |
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