This way beyond my expertise, but I think the answer is yes, provided that govt guidelines are followed. Here are the guidelines for insurance https://open.alberta.ca/dataset/80b795f6-c781-4268-9da2-f21e1d3cc338/resource/15f6ca43-c68f-4a12-9b7d-f02d57327f9f/download/superintendent-of-insurance-2014-04-bulletin.pdf Couldn’t find anything like this for pensions, however.
One caveat based on something I learned in law school. Email, fax not valid to change a beneficiary designated in a will. Will needs to be reexecuted.
Wish I could be of more help. Glenn
