A policyowner CANNOT change the beneficiary if he has named

Naming a spouse as a beneficiary is typically a revocable choice, allowing the policyowner the flexibility to change it later. As long as the beneficiary is designated as revocable, the policyowner retains the right to modify the beneficiary designation without requiring approval from the spouse.

A revocable beneficiary can be changed at any time by the policyowner without needing consent from the beneficiary. This flexibility allows the policyowner to update their beneficiary choices based on changing circumstances, such as marriage, divorce, or other life events.

While the term "permanent beneficiary" might suggest a lasting designation, it does not specifically imply that the beneficiary is irrevocable. In many contexts, a permanent beneficiary can still be revocable, allowing the policyowner to make changes. Thus, this choice does not prevent the policyowner from altering the beneficiary designation when desired.