Estate planning at VALIC
How to protect 4 VALIC accounts — manage beneficiaries online, fund a trust by mail, and file death claims
Corebridge Retirement Services
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
Enrollment Center
Retirement Planning & Job Changes
VALIC Financial Advisors Direct Accounts
Independent Advisors
WebsiteLearn more→
Corebridge Retirement Services
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
Enrollment Center
Retirement Planning & Job Changes
VALIC Financial Advisors Direct Accounts
Independent Advisors
WebsiteLearn more→
Death Claims
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
WebsiteNotify online→
Verified Apr 2026
VALIC offers 4 insurance products that play a central role in estate planning. Because policy proceeds pass directly to named beneficiaries—bypassing probate entirely—keeping designations current is one of the highest-impact steps policyholders can take.
Beneficiary designations at VALIC can be managed online, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
VALIC has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 4 account types at VALIC.
View details →When someone dies
Death claim process
5-step process, 8 required documents, and contact information for survivors.
View details →Frequently asked questions
You can update beneficiaries online by logging in to myaccount.valic.com, or by completing the Annuity Beneficiary Designation Form (VL 14945) and submitting it by mail or fax. Individuals, estates, trusts, and charities can be named as beneficiaries.
Beneficiary designations on annuities, life insurance, 401(k)s, pensions, and IRAs override provisions in a will. These assets transfer directly to named beneficiaries without going through probate.
For ERISA-governed plans and certain employer-sponsored plans, spousal consent is required when naming a non-spouse as the primary beneficiary. The spouse must sign the beneficiary designation form in the presence of a notary public or plan representative.
It is possible but generally not recommended. Under IRC Section 72(u), annuities owned by non-natural persons (such as trusts) may lose tax deferral benefits. Additional forms VL 23015 (Certification of Trust) and VL 23547 (Entity Client Account Form) are required. Consult an estate attorney and tax advisor before pursuing trust ownership.
Both are fixed and variable tax-deferred annuities offering 60+ investment options through VALIC. Portfolio Director Choice offers an alternate fee structure. Both products are available through employer-sponsored retirement plans and individual accounts.
Sources
Data sourced from VALIC primary sources (13 pages reviewed). How we research.
Corebridge Retirement Services
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
Enrollment Center
Retirement Planning & Job Changes
VALIC Financial Advisors Direct Accounts
Independent Advisors
WebsiteLearn more→
Corebridge Retirement Services
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
Enrollment Center
Retirement Planning & Job Changes
VALIC Financial Advisors Direct Accounts
Independent Advisors
WebsiteLearn more→
Death Claims
Phone1-800-448-2542
Fax1-877-202-0187
Mailing Address
Corebridge Retirement Services, P.O. Box 15648, Amarillo, TX 79105-5648 (Overnight: 1050 N. Western St., Amarillo, TX 79106-7011)
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your VALIC accounts and other assets with trusts, beneficiary designations, and estate planning documents.
