I was named a the benificiary by a friend about 10-15 yrs ago. last year the friend was in a nursing home. her daughter had her declared incompetent and became guardian allowing her to make changes. changed the benificiary to her family a few days before she passed. can it be challenged? the issuer at the bank stated "i know her intentions and would be happy to testify as such". The guardianship was signed by a clerk but not by the judge to my knowledge.