Per stirpes can also designate beneficiaries in an individual retirement ... Spouses are not included in a per stirpes designation. When used, per stirpes is generally written, "to [person's ...

Per stirpes designations are available from most but not all insurance companies. Beneficiary designations trump your will: So get them right Because annuities, life insurance policies and ...

Planning for your death may feel slightly morbid and uncomfortable. But the alternative option — ignoring estate planning and beneficiary designations — could end up infinitely worse.

Per stirpes is Latin for “by the branch ... those funds would go to the surviving sibling. Beneficiary designations make asset transfers fairly easy and avoid probate, but they are not ...