 So you can do this with investments. You can do this with life insurance. You can do this with retirement accounts. You can do this with bank accounts. And a lot of people don't know that. It is not naming somebody as a joint owner. If you do a TOD, which stands for transfer on death, or POD, which stands for payable on death, they're interchangeable. The banks use them differently or say them differently, even though they're the same thing.