If you're married and live in a community property state, spousal approval is required to change it off of your spouse as the beneficiary, because your property is community. The spouse gets first crack at it, since it also belongs to them.

>Under federal law, spousal consent is not necessary to name an IRA beneficiary. However, spouses have rights under state law. For example, if you live in a community or marital property state, spousal consent is generally required to name someone other than the spouse as the beneficiary of an IRA.

https://www.irahelp.com/slottreport/slott-report-mailbag-when-spouses-consent-required-ira-beneficiary-exclusion#:~:text=Under%20federal%20law%2C%20spousal%20consent,the%20beneficiary%20of%20an%20IRA.