How to name beneficiaries and fund a trust at Amica
Beneficiaries are managed by phone or by mail. Trust paperwork is taken by phone or by mail
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.
Amica offers 10 policies, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Beneficiary form at Amica
Beneficiary change form.
- Policy number and insured information
- Primary beneficiaries with full legal names, dates of birth, relationships, and percentage allocations totaling 100%
- Contingent beneficiaries if desired with their own percentage allocations totaling 100%
- For trusts: provide the full legal trust name, date established, and trust EIN
Required Documents
- Policy number
- Personal identification
- Each beneficiary's full legal name, date of birth and relationship
- Trust name, date established and trust EIN (when naming a trust). The full legal trust name exactly as it appears in the trust document
- Trustee name and contact information (when naming a trust)
- Trustee identification (when naming a trust)
- Certificate of Trust or trust abstract (when naming a trust). Do not send the full trust document unless Amica requests it
- Completed Amica beneficiary change form (when naming a trust as beneficiary)
- Full legal trust name exactly as it appears in the trust document
- Date the trust was established and the trust EIN
- Trustee name and contact information
Required Documents
- Trust name, date established and trust EIN. The full legal trust name exactly as it appears in the trust document
- Trustee name and contact information
- Trustee identification
- Certificate of Trust or trust abstract. Do not send the full trust document unless Amica requests it
- Trust EIN documentation. IRS Letter 147C or SS-4 confirmation
- Assignment form (for an ILIT ownership transfer). Requested from Amica Life
What Amica says about beneficiaries and trusts
Each section is Amica's own statement, with the document it comes from numbered under Sources.
Who can be named3
- A person
An individual can be named as a beneficiary.1
- A trust
A trust can be named as a beneficiary.1
- A charity or nonprofit
A charitable organization can be named as a beneficiary.1
- A trust, life insurance policys
A trust can be named as the policy beneficiary, so the death benefit pays directly into the trust.1
- A trust, annuitys
An annuity can have a trust named as beneficiary.1
How many beneficiaries, and how shares are split
- All accounts
Percentage allocations must total 100% for each beneficiary tier, primary and contingent. A trust named as the sole beneficiary takes 100%.1
What a designation takes to be effective
- All accounts
Only the policy owner can change beneficiary designations. The owner signs and dates the form.1
Spousal consent may be required in community property states.1
Beneficiary forms Amica issues1
- Beneficiary change form
Completed by the policy owner. Sent by the institution on request.1
Return to
Mailing address: Amica Scan Center, PO Box 6700, Providence, RI 02940-6700
What Amica's agreement says about beneficiaries1
- A designation and a will
Beneficiary designations on life insurance and annuity policies override instructions in a will.1
Which accounts a trust can hold3
- Life insurance policy
An irrevocable life insurance trust (ILIT) can own an Amica life insurance policy.1
- Annuity
An annuity generally cannot be retitled to a trust.1
- Auto, home or renters policy
For auto, home and umbrella policies, contact Amica Mutual to update the named insured after transferring property to a trust.2
Trust account forms Amica issues2
- Ownership transfer form
For life insurance policys. Sent by the institution on request.1
Return to
Mailing address: Amica Scan Center, PO Box 6700, Providence, RI 02940-6700
- Assignment form
For life insurance policys. Sent by the institution on request.1
What Amica says about trust accounts1
- A trust as owner of a policy
Amica does not establish ILITs.1
Sources2
- 1.Amica Life customer service guidance
- 2.Amica Mutual auto, home and umbrella policy guidance
Sources
Data sourced from Amica primary sources (15 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 estate support
Amica Life Customer Service
Phone
P&C Customer Service (Auto, Home, Marine, Umbrella)
Life Sales
Amica Life billing (cancel a submitted Amica Life payment)
Account and technical help
Hours
Mailing address
Website
Estate requests go through general customer service.
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