How to name beneficiaries and fund a trust at Allstate
Covers 26 insurance accounts — beneficiaries can be managed online
Allstate Customer Service (auto, home, renters, and agent lookup)
Protective Life Policy Service (Life and Health Insurance Administration)
Protective Life Insurance Company, Life and Health Insurance Administration, P.O. Box 12687, Birmingham, AL 35202-6687
Protective Life Claims (life and annuity policies sold through Allstate agents)
Claims, P.O. Box 12486, Birmingham, AL 35202 (use for death benefits of $500,000 or more; under $500,000, email claims@protective.com or fax 205-268-6833)
For Allstate policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Across 26 product types, Allstate policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
- Print 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)
- Designate primary and contingent beneficiaries with percentage allocations totaling 100%
- Sign the completed form
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
Sources
- allstate.protective.com
- allstate.com
- everlakelife.com
- protective.com
- standard.com
- claims.protective.com
- lad3.protective.com
- wiltonre.com
Data sourced from Allstate primary sources (41 pages reviewed). How we research.
Download these Allstate instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Allstate primary sources. Bring it to the branch or keep it beside the phone.
Allstate Customer Service (auto, home, renters, and agent lookup)
Protective Life Policy Service (Life and Health Insurance Administration)
Protective Life Insurance Company, Life and Health Insurance Administration, P.O. Box 12687, Birmingham, AL 35202-6687
Protective Life Claims (life and annuity policies sold through Allstate agents)
Claims, P.O. Box 12486, Birmingham, AL 35202 (use for death benefits of $500,000 or more; under $500,000, email claims@protective.com or fax 205-268-6833)
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