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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

OverviewPreparing your estateWhen someone dies

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 Apr 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

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 Apr 2026

Estate planning articles

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

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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