How to name beneficiaries and fund a trust at American Fidelity
Covers 12 insurance accounts — beneficiaries can be managed online
Customer Service
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
Customer Service
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
Life and Annuity - Worksite
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
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.
Across 12 product types, American Fidelity policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
- Primary beneficiaries with full legal names, dates of birth, Social Security numbers, addresses, and relationships
- Contingent beneficiaries if desired
- For trusts: use the format "The [Name] Trust dated [date], [Trustee Name] as Trustee"
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
Sources
Data sourced from American Fidelity primary sources (17 pages reviewed). How we research.
Download these American Fidelity instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against American Fidelity primary sources. Bring it to the branch or keep it beside the phone.
Customer Service
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
Customer Service
American Fidelity Assurance Company, 9000 Cameron Parkway, Oklahoma City, OK 73114
Life and Annuity - Worksite
American Fidelity Assurance Company, Life and Annuity - Worksite, P.O. Box 25160, Oklahoma City, OK 73125-0160
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