She put the paper down.

“That last one is the one that made me open a file.

An irrevocable designation means the beneficiary cannot be changed without the beneficiary’s own consent.

It’s a rare thing and it exists for divorce settlements and business partnerships.

“Somebody had taken out four million dollars on your life and arranged it so that you could not remove him from it even if you found out.”

I sat in that room and looked at a piece of paper.