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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Amica→Preparing your estate

How to name beneficiaries and fund a trust at Amica

Covers 10 insurance accounts — beneficiaries can be updated by phone

Amica

Insurance · Nationwide

amica.com→
Amica logo

Amica Life Customer Service

Phone1-800-234-5433
Mailing Address

Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700

P&C Customer Service (Auto, Home, Umbrella)
1-800-242-6422
Life Sales
1-800-619-6077
Life Billing & Payments
1-844-894-4228
Account & Technical Help
1-833-915-0019
WebsiteLearn more→

Amica Life Customer Service

Phone1-800-234-5433
Mailing Address

Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700

P&C Customer Service (Auto, Home, Umbrella)
1-800-242-6422
Life Sales
1-800-619-6077
Life Billing & Payments
1-844-894-4228
Account & Technical Help
1-833-915-0019
WebsiteLearn more→

Life Claims Department

Phone1-800-234-5433
Mailing Address

Amica Scan Center, PO Box 9690, Providence, RI 02940-9690

Life Claims Extension
ext. 89079
P&C Claims (Auto, Home, Marine)
1-800-242-6422
WebsiteNotify online→
Verified Jul 2026

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.

Amica Term Life InsuranceAmica Whole Life 20Amica Whole Life 65Amica Whole Life 100Amica Multi-Year Guaranteed Annuity (MYGA)Amica Flexible Premium Deferred Annuity (FPDA)Amica Single Premium Immediate Annuity (SPIA)Amica Auto InsuranceAmica Home InsuranceAmica Personal Umbrella Insurance
1
Call Amica Life customer service at 800-234-5433 (weekdays, 8:00am-7:00pm ET)
2
Request a beneficiary change for your life insurance or annuity policy
3
Provide your policy number and personal identification
4
A representative will guide you through the process or mail the required beneficiary change form
5
For trusts: provide the full legal trust name, date established, and trust EIN

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
SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • amica.com
  • insurancejournal.com

Data sourced from Amica primary sources (17 pages reviewed). How we research.

Download these Amica instructions

Download instructions for the whole estate→

A 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

Insurance · Nationwide

amica.com→
Amica logo

Amica Life Customer Service

Phone1-800-234-5433
Mailing Address

Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700

P&C Customer Service (Auto, Home, Umbrella)
1-800-242-6422
Life Sales
1-800-619-6077
Life Billing & Payments
1-844-894-4228
Account & Technical Help
1-833-915-0019
WebsiteLearn more→

Amica Life Customer Service

Phone1-800-234-5433
Mailing Address

Amica Life Insurance Company, PO Box 9700, Providence, RI 02940-9700

P&C Customer Service (Auto, Home, Umbrella)
1-800-242-6422
Life Sales
1-800-619-6077
Life Billing & Payments
1-844-894-4228
Account & Technical Help
1-833-915-0019
WebsiteLearn more→

Life Claims Department

Phone1-800-234-5433
Mailing Address

Amica Scan Center, PO Box 9690, Providence, RI 02940-9690

Life Claims Extension
ext. 89079
P&C Claims (Auto, Home, Marine)
1-800-242-6422
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Amica accounts and other assets with trusts, beneficiary designations, and estate planning documents.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

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Estate planning articles

Learn how to protect your Amica accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Reimbursable Trustee Expenses: A Clear Overview

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According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
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Ramit Sethi on estate planning: start with a living trust and have regular conversations with your heirs about how to manage finances when the trust becomes active.
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Is this your situation?

Get a complete guide for your specific circumstances.

New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

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