DEAR ABBY: My son, Allen, who is 18, has been going with Anna Marie for three years. She's also 18. They have been engaged since last Christmas, but no wedding date has been set. Allen lives at home and just started working at a bank. Anna Marie works there too. This bank has a great benefit package, which includes a $50,000 life insurance policy. Allen told me he made Anna Marie his beneficiary. I was very hurt. I told him that after they are married, she should be the beneficiary, but until then, if, God forbid, something should happen to him, I should be the beneficiary of his policy.
He said no; if something should happen to him tomorrow, he'd want his girlfriend to collect on his policy. What is your opinion? -- ALLEN'S MOTHER
DEAR MOTHER: I'm with you. Until Allen and Anna Marie are married (unless she's pregnant), Allen's beneficiary should be his mother.