My 93 yr old mom has 2 policies that have no beneficiary listed. She is in a state where she can't do anything now. Hospice has her on morphine so she can't eat, get up, move her hands or even open her eyes. She is in a nursing home with Hospice and went down hill within the last 2 weeks. There will be lots of bills to pay. What can I do to have me listed as TOD? I have a POA now and also am financial POA for her. What I want most in the world is to have her back healthy, able to talk and smile, go shopping with me like we've done for years and work in her garden but I'm beginning to see that won't be possible anymore. So sad! Any suggestion would be appreciated. I have one brother that lives in the same town but he hasn't even visited her since my dad died in 2006. I've always been there for her for everything.