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Combined Insurance Company Policyholder Service Post Office Box 87208 Chicago, IL 60680-0208 www.combined.com In order to change your beneficiary, please sign and date the form below in the presence
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How to fill out in order to change:

01
Identify the need for change: Start by recognizing the areas or aspects that require change. This could be in your personal life, work, relationships, or any other area where improvement is desired.
02
Set clear goals: Once you have identified the need for change, establish specific, measurable, attainable, relevant, and time-bound (SMART) goals. This will help provide clarity and focus on what you want to achieve through the change.
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Develop a plan: Create a detailed plan outlining the steps you need to take to bring about the desired change. Consider breaking down the process into smaller, manageable tasks and set deadlines for each step. This will help you stay organized and motivated throughout the change process.
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Seek support: It can be beneficial to seek support from others during the change process. Reach out to trusted friends, family members, mentors, or professionals who can provide guidance, advice, or simply lend a listening ear. Having a support system can help keep you accountable and motivated.
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Take action: Begin executing your plan and take the necessary actions to bring about the desired change. This may involve implementing new habits, overcoming obstacles, or acquiring new skills or knowledge. Remember to stay focused, committed, and resilient as you navigate through the change process.

Who needs in order to change:

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Relationships: Change is often necessary in relationships to address conflicts, improve communication, or foster personal growth. Whether it's in romantic relationships, friendships, or family dynamics, both individuals involved may need to change certain behaviors, beliefs, or patterns to build healthier and stronger connections.
Overall, change is a natural part of personal and professional growth, and it often leads to positive outcomes and new opportunities. By following a systematic approach and recognizing the need for change, individuals and organizations can navigate the process effectively and achieve desired results.
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