Seems like employees to Benefits might be a many to many relationship.
If so, a join table between the two would be useful.
That way, you can have one record for each policy with a beneficiary and you can link beneficiaries to the specific policy.
Thanks for the feedback. Sorry, I should have mentioned in my initial post......the Employee_Benefit table is a joins the Employees and Benefits tables. I've watched the filemaker relational database series on Lynda.com and think I have it set up properly, with:
Employee_Benefit:: _employeeIDfk = Employees:: __employeeIDpk
Employee_Benefit:: _benefitIDfk = Benefits::__benefitIDpk
but if not, please let me know.