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The ONLY account agents testified that SM had in any way linked to JL was the account with which she communicated to JL on Linked In. (i.e., NOT a bank account, but a social media account).
Reports about testimony in the Preliminary Hearing about the two financial accounts (Greendot and a funds management account with Compass Management) that SM set up after SO recommended she start setting money aside for the time when she'd leave:
prosecutors-outline-barry-suzanne-morphew-movements-disappearance
SUZANNE MORPHEW: Preliminary hearing in Barry Morphew trial reveals new details | FOX31 Denver
FBI agent Harris testified that he did not follow up on those accounts.
Nowhere in the AA or in what I've read coming out of the Preliminary Hearing have I seen anything to support your claim that SM had made JL beneficiary to those accounts.