How to name beneficiaries and fund a trust at Amica
Covers 10 insurance accounts — beneficiaries can be updated by phone
Amica Life Customer Service
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
Amica Life Customer Service
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
Life Claims Department
Amica Scan Center, PO Box 9690, Providence, RI 02940-9690
Estate planning with Amica 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 10 product types, Amica policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary designations on life insurance and annuity policies override instructions in a will
- Percentage allocations must total 100% for each beneficiary tier (primary and contingent)
- Trusts, individuals, and charitable organizations can be named as beneficiaries
- Only the policy owner can change beneficiary designations
- Children under 18 cannot receive benefits directly; name a custodian or trust instead
- Spousal consent may be required in community property states
Sources
Data sourced from Amica primary sources (17 pages reviewed). How we research.
Download these Amica instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Amica primary sources. Bring it to the branch or keep it beside the phone.
Amica Life Customer Service
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
Amica Life Customer Service
Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700
Life Claims Department
Amica Scan Center, PO Box 9690, Providence, RI 02940-9690
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