How to name beneficiaries and fund a trust at Allstate
Covers 13 insurance accounts — beneficiaries can be managed online
Phone1-800-255-7828
WebsiteLearn more →
Protective Life Policy Service
Phone1-800-866-9933
Mailing Address
Protective Life Insurance Company, P.O. Box 12687, Birmingham, AL 35202-6687
WebsiteLearn more →
Protective Life Claims
Phone1-800-366-3495
Fax205-268-6833
Mailing Address
Protective Life Claims, P.O. Box 12486, Birmingham, AL 35202
WebsiteNotify online →
Verified Feb 2026
Estate planning with Allstate policies centers on beneficiary designations—the single most important step for ensuring life insurance proceeds and annuity benefits reach the intended recipients without probate involvement. Unlike bank or brokerage accounts, insurance products are not retitled into trusts; instead, trusts are named as beneficiaries when estate tax planning or controlled distributions are needed.
With 13 product types, Allstate offers a range of transfer options. Some policies support beneficiary designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
Protective Classic Choice Term Life InsuranceProtective Non-Participating Whole Life InsuranceProtective Lifetime Assurance ULProtective Advantage Choice ULProtective Indexed Choice ULProtective Strategic Objectives II VULProtective Income Creator Fixed AnnuityProtective Secure Saver Fixed AnnuityProtective Income Builder Indexed AnnuityProtective Series Foundation AnnuityAllstate Benefits Voluntary Life InsuranceAllstate Benefits Accident InsuranceAllstate Benefits Critical Illness Insurance
1Log in to My Account or the Allstate mobile app
2Navigate to your life insurance policy details
3Some policy changes can be initiated online; if online beneficiary changes are available for your policy, follow the on-screen prompts
4If online changes are not available, download the Beneficiary Change Request form (SVC-102-PL) from allstate.protective.com/doing-business/resources/forms or request one from your Allstate agent
5Print full names and relationships to the insured for each beneficiary; if more than one primary beneficiary is named, indicate percentages for how proceeds are to be paid (if no percentages are given, payment is made in equal shares)
6Complete the form with primary and contingent beneficiaries, percentage allocations totaling 100%, and sign it
7Upload or submit the signed form through your agent or mail to Protective Life Insurance Company, P.O. Box 12687, Birmingham, AL 35202-6687
8For Allstate Benefits (group) policies: visit standard.com/ahl/resources-and-forms (now administered by The Standard), download the Change of Beneficiary Request form (ABJ040-5), complete and upload it, or fax to 866-428-2517
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the authenticated policy owner can change a beneficiary; if there is more than one owner, all owners must sign
- If an irrevocable beneficiary is designated, that beneficiary must sign and date any change request
- Spousal consent may be required in community property states
- Beneficiary designations override instructions in a will
- For Allstate Benefits (group) policies: download forms at standard.com/ahl/resources-and-forms (now administered by The Standard), mail to American Heritage Life Insurance Company, 1776 American Heritage Life Drive, Jacksonville, FL 32224, or fax to 866-428-2517
Phone1-800-255-7828
WebsiteLearn more →
Protective Life Policy Service
Phone1-800-866-9933
Mailing Address
Protective Life Insurance Company, P.O. Box 12687, Birmingham, AL 35202-6687
WebsiteLearn more →
Protective Life Claims
Phone1-800-366-3495
Fax205-268-6833
Mailing Address
Protective Life Claims, P.O. Box 12486, Birmingham, AL 35202
WebsiteNotify online →
Verified Feb 2026
Estate planning documents for Allstate customers
Free documents designed to protect your Allstate accounts.