Answer:
Policy owner make a change after the irrevocable beneficiary dies
Explanation:
solution
Policy owner can not policy's coverage or any other benefits unless the beneficiary provides written consent for change or beneficiary dies
and if irrevocable beneficiary has name then owner can not change to policy without consent of beneficiary
so that
Policy owner make a change after the irrevocable beneficiary dies
Bishweshwar Prada Koirala
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Oracle bones is your first answer and im not sure about the second but i would say bronze and iron
"Don't get a bad liver!" ~Explains to Prometheus' punishment from Zeus
