In Taiwan, it is not necessary for the policyholder to make an application for endorsement or consent to change of beneficiary from insurers. The Supreme Court has opinions that the change of beneficiary is valid, when insurers receive the notice of change of beneficiary in writing before the assured die. Under Japanese Insurance Act, the beneficiary change will be effective retroactive to the time that the policyholder sent the application of beneficiary change. In U. S. A., the court will hold that the change of beneficiary is effective if policyholder does everything possible to comply with the beneficiary change procedure set forth in the policy but has failed because of circumstances beyond her control. Therefore, this article offers some suggestions and recommends that the ”Life Insurance Model Policy” should be revised.