How to name beneficiaries and fund a trust at Americo
Covers 14 insurance accounts at Americo
Policyholder Services
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288
Policyholder Services
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288
Claims Department
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288 (regular) / 300 W. 11th Street, Kansas City, MO 64105 (overnight)
Estate planning with Americo 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.
Americo has 14 product types, and the estate transfer rules differ across them. Some support beneficiary designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
- Primary and contingent beneficiary information including full legal names, dates of birth, Social Security numbers, and relationship to owner
- For trusts: provide the trust name, trust date, and trust address; indicate if it is a Testamentary Trust (do not include a trust date for Testamentary Trusts)
- Only the policy owner may change the beneficiary; if the owner is a trust, the trustee(s) must sign with title(s)
- Email as PDF to: forms@americo.com
- Fax to: 800-395-9238
- Mail to: Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the policy owner may change the beneficiary designation
- If the policy owner is a trust, the trustee(s) must sign with their title(s)
- Trust beneficiary designation requires trust name, trust date, and trust address
- For Testamentary Trusts, do not include a trust date on the form
- Trust documents will be required to process a death claim; a Certificate of Trust can be submitted in lieu of the full trust document
- Americo can keep a copy of trust documents on file if sent proactively
Sources
Data sourced from Americo primary sources (22 pages reviewed). How we research.
Download these Americo instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Americo primary sources. Bring it to the branch or keep it beside the phone.
Policyholder Services
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288
Policyholder Services
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288
Claims Department
Americo Financial Life and Annuity Insurance Company, PO Box 410288, Kansas City, MO 64141-0288 (regular) / 300 W. 11th Street, Kansas City, MO 64105 (overnight)
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