Beneficiary Protection Platform

The retirement assets
your clients built —
going to the right people.

Bensure is a proactive, guided service that helps individuals, financial advisors, and HR teams understand the importance of keeping beneficiary designations current — and connects them with the right resources to do so.

Book a Demo See how it works
Client beneficiary dashboard
Sarah Mitchell
Fidelity IRA · Updated 2024
Current
Robert Chen
Vanguard 401(k) · No waiver on file
Action needed
Jennifer Park
Schwab IRA · Ex-spouse listed
Urgent
David Torres
Principal 403(b) · No designation
Urgent
3 clients require immediate action
$1.2T
In IRA assets at risk annually
42%
Of accounts have outdated designations
0
Dedicated solutions — until now
The problem

Outdated beneficiaries are a silent crisis in retirement planning.

Life changes — marriage, divorce, death, job changes — but beneficiary forms don't update themselves. The financial and legal consequences fall on grieving families.

55%
of Americans have no estate plan — beneficiary forms are often the only document that matters
$500B
in 401(k) assets roll over annually — most with no beneficiary review
ERISA
requires spousal waivers for 401(k) non-spouse designations — few have them documented
0
proactive beneficiary-specific tools exist for advisors or HR teams at scale
How it works

Simple, clear, guided.

Our team helps you understand what beneficiary designations are, why they matter, and what steps you may need to take — without ever telling you what to do.

01

Start the Conversation

Unsure if your beneficiary designations are current? Reach out to our team. We'll listen, ask the right questions, and help you understand what typically needs attention after life events like marriage, divorce, or a job change.

02

Learn What to Look For

Our team walks you through what beneficiary designations look like across IRAs, 401(k)s, and other retirement accounts — explaining what's commonly missing, outdated, or legally required, in plain language.

03

Take Action with Support

We help you understand the steps involved in updating designations and completing spousal waivers where required — supporting you through the process while you work directly with your plan administrator or custodian.

Who it's for

Built for the people responsible for getting this right.

Turn beneficiary reviews into a retention and compliance advantage.

Bensure helps you keep your clients educated on the importance of beneficiary designations — so you're not the one chasing paperwork, and your clients understand what they need to do and why.

✓
Proactive outreach around beneficiary designation best practices
✓
Plain-language explanations of what triggers a beneficiary review
✓
Spousal waiver education — what it is, when it's required, how to initiate it
✓
IRA vs. 401(k) differences explained clearly to clients
✓
Support team to walk clients through the process step by step
Client review summary
247
Total clients tracked
38
Need attention
12
Urgent
J. Park — Schwab IRA Ex-spouse listed
R. Chen — Principal 401k No waiver
M. Torres — Fidelity IRA Missing contingent
L. Adams — Vanguard IRA Current

Reduce fiduciary risk. Support employees at life's biggest moments.

Bensure helps your employees understand why beneficiary designations matter and what they need to know — without your HR team or Bensure ever crossing into legal or financial advice.

✓
Employee education on beneficiary designations at key life moments
✓
Plain-language explanation of ERISA spousal waiver requirements
✓
Team support to walk employees through the process — not tell them what to do
✓
Works alongside your existing benefits structure and plan recordkeepers
Plan compliance overview
1,240
Plan participants
91%
Designation rate
14
Waivers pending
New hire cohort · Jan 2025 32 incomplete
Life event · Marriage 8 updated
Life event · Divorce 3 urgent
Open enrollment · Q4 Scheduled

Know your beneficiaries are right. Before it's too late to fix them.

You've spent decades building retirement savings. Bensure makes sure those assets reach the people you intend — not an ex-spouse, a deceased parent, or a probate court.

✓
Plain-language explanations of what beneficiary designations are and why they matter
✓
Guidance on what typically needs attention after major life events
✓
Step-by-step support through the update process — no paperwork confusion
✓
Annual check-in reminders so you never fall behind again
Your accounts
4
Accounts tracked
2
Need review
Fidelity Roth IRA Up to date
Vanguard 401(k) No contingent
Old 403(b) — Fidelity Former spouse
Schwab Rollover IRA No designation
Spousal waivers

One of the most misunderstood steps in beneficiary planning — explained.

Federal law requires a spouse's notarized consent to name anyone else as a 401(k) beneficiary. Most people don't know this requirement exists. Bensure helps you understand what's involved — the rest is between you, your spouse, and your plan administrator.

Learn how it works →
What a spousal waiver typically involves ERISA requirement
1
Understanding the requirement. Bensure helps you understand when a spousal waiver is required and what it generally means under federal law.
2
Contacting your plan administrator. The process is initiated directly with your 401(k) plan administrator, who provides the required forms and specific instructions for your plan.
3
In-person notarization. In most cases, the spouse's signature must be notarized in person before a notary public or plan representative. Requirements vary by plan.
4
Submission to the plan. Once completed, the signed and notarized waiver is submitted directly to the plan administrator — a step handled between you and your plan.
Pricing

Simple pricing that scales with your book.

All plans include guided workflows, educational content, and audit documentation. No setup fees.

HR / Employer
$8
per employee / year
For HR and benefits teams managing 401(k) plan compliance and employee life events.
  • ✓Up to 1,000 plan participants
  • ✓ERISA-compliant waiver workflows
  • ✓Life event triggers and alerts
  • ✓HRIS integration
  • ✓Plan-level compliance reporting
Request a pilot
Most popular
Advisor
$199
per advisor / month
For RIAs and wealth management practices managing beneficiary health across a client book.
  • ✓Unlimited clients tracked
  • ✓Cross-custodian dashboard
  • ✓Spousal waiver facilitation
  • ✓CRM and portfolio integrations
  • ✓Fiduciary audit trail
  • ✓White-labeled client outreach
Book a demo
Enterprise
Custom
platform licensing
For custodians, recordkeepers, and large institutions wanting Bensure embedded in their platform.
  • ✓White-label deployment
  • ✓API access
  • ✓Custom integrations
  • ✓Compliance review support
  • ✓Dedicated success team
Contact sales
Get started

Ready to close the beneficiary gap?

Join the waitlist or book a demo. We're onboarding a small group of advisor and HR pilot partners now.

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No spam. No commitment. We'll reach out within 48 hours.