Estate Planning for Unmarried Couples: Beneficiary designations ...

Certain types of assets allow for their transfer at death through beneficiary designations. IRAs, life insurance, annuities, and 401(k)s are some examples. However, it?s important to remember that generally, the beneficiaries named in these assets will receive them at your death, even if you make other provisions in your will or trust. So be sure your beneficiary designations are current and comply with your wishes.

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Source: http://dollarwiseblog.dallasnews.com/2012/12/estate-planning-for-unmarried-couples-beneficiary-designations.html/

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