How to designate beneficiaries at Assurant
Beneficiaries are managed online or by phone
For Assurant policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Each of Assurant's 8 policies has different rules for how it transfers at death. The sections below explain the options for each.
What Assurant says about beneficiaries and trusts
Each section is Assurant's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary3
- Life insurance policy
Assurant sells no retail life insurance.1
- Auto, home or renters policy
None of Assurant's property policies carries a beneficiary designation. A renters policy allows additional insureds and interested parties, but has no life-insurance-style beneficiary designation.1
A lender-placed hazard insurance policy belongs to the mortgage servicer, not the homeowner.1
- Debt protection, GAP or service contract
None of Assurant's device, warranty or vehicle products carries a beneficiary designation.1
Assurant's credit and payment-protection insurance pays on death, but the payee is fixed by the contract: benefit payments are paid directly to the creditor, and the insured cannot redirect them.2, 3
Who can be named2
- A trust, debt protection, GAP or service contracts
On credit and payment-protection insurance there is nothing for the insured to designate, and naming a trust is not an option.2
- A person, debt protection, GAP or service contracts
On credit and payment-protection insurance, naming a person as beneficiary is not an option.2
What Assurant says about trust accounts1
- Whether a new account is opened
None of Assurant's consumer products, which are property, casualty, service contract and credit insurance, can be owned by or retitled to a trust.1
Not in Assurant's published guidance2
- What the owner provides to name a beneficiary
- Which trust documents it accepts
Sources3
- 1.Assurant consumer product guidance
- 2.Assurant credit and payment-protection claim forms
- 3.Credit and payment-protection certificate of insurance
Sources
Show 5 more sourcesShow fewer sources
Data sourced from Assurant primary sources (19 pages reviewed). How we research.
Download these Assurant instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Assurant primary sources. Bring it to the branch or keep it beside the phone.
Assurant estate support
Assurant housing policy support (American Bankers Insurance Company of Florida, American Security Insurance Company, Standard Guaranty Insurance Company)
Phone
Corporate Headquarters (Atlanta)
New York Office
Chicago Office
Renters Insurance Customer Support
Renters Insurance (phone directory listing)
All other policies
Flood Service Center (NFIP, American Bankers)
Private Flood (Voyager)
Automotive Customer Service
Service Protection Advantage (Appliances)
Mobile - T-Mobile
Mobile - Spectrum
Mobile - Metro by T-Mobile
Mobile - US Cellular
Amazon 360 warranty
Unclaimed Funds (option 3) -- ask before closing an estate
Former Assurant Health
Former Assurant Dental (now at Sun Life Financial)
Mailing address
Website
Estate requests go through general customer service.
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