If all people were in one table
tblPeople
-pkPeopleID primary key, autonumber
-txtFName
-txtLName
other fields
Now if a person was related to another person as in the case of the beneficiary & handler or a beneficary & their guardian
tblBeneficiariesAndHandlier
-pkBHID primary key, autonumber
-fkPPeopleID foreign key to tblPeople (the primary person: in your case the beneficiary)
-fkSPeopleID foreign key to tblPeople (the secondary person: the Handler, you could also have another record and use this field to indicate the guardian to the beneficiary)