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Puerto Rico Beneficiary Designation Review Checklist

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What's Included

Territory-specific Beneficiary Designation Review Checklist for Puerto Rico residents. Audits life insurance, IRAs, 401(k)s, TOD/POD bank accounts, and brokerage accounts under federal ERISA/IRS rules and Puerto Rico Civil Code forced heirship provisions (P.R. Laws Ann. tit. 31, §§ 2361 et seq.). Covers Puerto Rico community property rules, interaction between Puerto Rico forced heirship and ERISA beneficiary designations, SECURE Act 10-year rule for inherited IRAs, Puerto Rico Department of Health Medicaid estate recovery, and estate-as-beneficiary issues under Puerto Rico probate law. Addresses unique U.S. federal vs. Puerto Rico law conflicts for retirement account beneficiaries. Includes Puerto Rico-specific action checklist and professional advisor coordination section. Instant .docx download.

Declaration & revocation of all prior wills
Family declarations (spouse + children)
Specific personal property bequests (3 slots)
Real property bequests with deed references
Residuary estate — 3 distribution options
Guardian nomination for minor children
Personal Representative appointment + powers
Pet care provisions
Digital assets & online account directives
Survivorship, anti-lapse, and governing law
Witness attestation blocks
Self-proving affidavit (notary optional)
Step-by-step execution instructions

Who This Is For

  • Residents with straightforward estates
  • Individuals who want a solid will without attorney fees
  • Married couples (each spouse needs their own)
  • Anyone ready to get their affairs in order

NOT Appropriate For

  • Business owners with complex ownership interests
  • Blended families with competing inheritance claims
  • Property owners in multiple states
  • Taxable estates (over federal exemption)

Legal Disclaimer

This template is for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by purchase. Consult a licensed Puerto Rico attorney for advice specific to your situation.

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