UGMA/UTMA vs. Traditional 529 Plans: Key Benefits & Drawbacks
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Schwab One® Custodial Account
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Custodial Account vs UTMA: Key Differences Explained
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As a licensed life insurance agent and advisor in the United States, it is my position that a UTMA/UGMA account should not be listed as a beneficiary on a life insurance policy. Life insurance beneficiaries must be clearly identifiable legal persons or properly established legal entities, such as an individual, a trust, or an estate. A UTMA/UGMA account itself is not a legal person; it is a custodial arrangement. Because of this, insurers generally require that the beneficiary be named as an ind
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