How to name beneficiaries and fund a trust at Ameritas
Covers 22 insurance accounts — beneficiaries can be managed online
Life Insurance, Annuity & Disability Income Service
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
WebsiteLearn more→
Life Insurance, Annuity & Disability Income Service
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
WebsiteLearn more→
Life Insurance and Annuity Claims
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
Ameritas Claimant Portal
WebsiteNotify online→
Verified Jul 2026
Beneficiary designations are the foundation of estate planning for Ameritas policies. Unlike bank accounts, insurance products cannot be retitled into a trust. Instead, the beneficiary designation itself determines who receives the proceeds and how quickly they're paid. Naming a trust as beneficiary is an option when more control over distributions is needed.
Across 22 product types, Ameritas policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
Ameritas Value Plus Term Life InsuranceAmeritas Instant Term Life InsuranceAmeritas Access Whole Life InsuranceAmeritas Growth Whole Life InsuranceAmeritas Growth 10-Pay Whole Life InsuranceAmeritas Value Plus Whole Life InsuranceAmeritas Value Plus Universal Life InsuranceAmeritas Growth IULAmeritas Growth IUL IIAmeritas Value Plus IULAmeritas Value Plus Survivor Index Universal Life InsuranceAmeritas Advisor ClearEdge VULAmeritas Fixed AnnuityAmeritas Income 10 Index AnnuityAmeritas Accumulation 7 Index AnnuityAmeritas ApexAdvantage Index AnnuityAmeritas Advisor No-Load Variable AnnuityDInamic Cornerstone Income ProtectionDInamic FundamentalAmeritas Business Overhead Expense InsuranceAmeritas Dental InsuranceAmeritas Vision Insurance
1
Sign in to Ameritas Accounts at accounts.ameritas.com
2
Select View Account on the desired policy number
3
Select the Forms tab, then choose and download the beneficiary change form
4
Complete the form with beneficiary information:
- Primary and contingent beneficiary full legal names, dates of birth, Social Security numbers, and relationships
- Percentage allocations totaling 100% for each class of beneficiary
- For trusts: select trust as the beneficiary type and provide the full trust name, date established, and EIN
5
Sign the completed form
6
Upload the signed form through Ameritas Accounts for processing, or select the Envelope icon in the upper right corner and select New Message to attach the form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts can be named as beneficiaries on life insurance and annuity products
- Primary and contingent beneficiary percentage allocations must each total 100%
- A form is required to complete a beneficiary change for security purposes
- Beneficiary designations override instructions in a will
- Spousal consent may be required in community property states
Sources
Data sourced from Ameritas primary sources (27 pages reviewed). How we research.
Download these Ameritas instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Ameritas primary sources. Bring it to the branch or keep it beside the phone.
Life Insurance, Annuity & Disability Income Service
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
WebsiteLearn more→
Life Insurance, Annuity & Disability Income Service
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
WebsiteLearn more→
Life Insurance and Annuity Claims
Phone1-800-745-1112
Mailing Address
Ameritas Life Insurance Corp., PO Box 81889, Lincoln, NE 68501
New York Customers
Ameritas Claimant Portal
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Ameritas accounts and other assets with trusts, beneficiary designations, and estate planning documents.
