June 2011-a year and a half before my father died and during a period when he was in and out of the hospital with various medical problems and surgeries, a change was made in his life insurance policy. This was a policy that he had purchased in 1963, so I would have to wonder why suddenly in the final year and a half of his life Carla became a 100% primary beneficiary and her daughter, Tara, became 100% secondary beneficiary?? Interesting?!