How to name beneficiaries and fund a trust at American Fidelity
Covers 12 insurance accounts — beneficiaries can be managed online
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
WebsiteLearn more →
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
WebsiteLearn more →
Life and Annuity - Worksite
Phone1-800-662-1113
Fax1-800-818-3453
Mailing Address
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
WebsiteNotify online →
Verified Mar 2026
Estate planning with American Fidelity 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 12 product types, American Fidelity 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.
American Fidelity Term Life InsuranceAmerican Fidelity Term 100 Life InsuranceAmerican Fidelity Whole Life InsuranceAmerican Fidelity Tax-Deferred AnnuityAFPR1ME GROWTH Variable AnnuityAF Advantage Variable AnnuityAmerican Fidelity Disability Income InsuranceAmerican Fidelity Limited Benefit Cancer InsuranceAmerican Fidelity Limited Benefit Critical Illness InsuranceAmerican Fidelity Limited Benefit Accident Only InsuranceAmerican Fidelity Limited Benefit Hospital GAP PLAN InsuranceAmerican Fidelity Limited Benefit Hospital Indemnity Insurance (AF Hospital Assist)
1Log in to your American Fidelity account at americanfidelity.com
2Navigate to your life insurance or annuity policy details
3Select the option to update beneficiary information
4Add primary beneficiaries with full legal names, dates of birth, Social Security numbers, addresses, and relationships
5Add contingent beneficiaries if desired
6For trusts: use the format "The [Name] Trust dated [date], [Trustee Name] as Trustee"
7Review and confirm your beneficiary designations
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- A witness signature is required on the Change of Beneficiary form; a copy of the owner's active government-issued ID can be provided in lieu of a witness
- If the policy has joint ownership, all owners must sign the form
- The new beneficiary designation replaces all previous designations; be sure to rename all beneficiaries who should receive proceeds
- Beneficiary designations override instructions in a will
- Only the policyholder can change beneficiary designations
- For minor beneficiaries, consider naming a custodian or trust instead
- The beneficiary change is not effective until approved by American Fidelity; a confirmation copy will be sent upon approval
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
WebsiteLearn more →
Customer Service
Phone1-800-662-1113
Fax1-800-620-8915
Mailing Address
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
WebsiteLearn more →
Life and Annuity - Worksite
Phone1-800-662-1113
Fax1-800-818-3453
Mailing Address
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
WebsiteNotify online →
Verified Mar 2026
Estate planning documents for American Fidelity customers
Free documents designed to protect your American Fidelity accounts.