Estate planning at Auto-Owners Life
How to protect 7 Auto-Owners Life accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-517-323-1200
Toll-Free1-800-346-0346
Fax1-517-323-8796
Mailing Address
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
WebsiteLearn more →
Phone1-517-323-1200
Toll-Free1-800-346-0346
Fax1-517-323-8796
Mailing Address
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
WebsiteLearn more →
Claims Department
Phone1-800-346-0346
Toll-Free1-888-252-4626
Fax1-517-323-8796
Mailing Address
Auto-Owners Life Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917
WebsiteNotify online →
Verified Feb 2026
Auto-Owners Life is a insurance company with 7 products relevant to estate planning. Life insurance and annuity proceeds transfer directly to named beneficiaries outside of probate, making beneficiary designations one of the most important estate planning steps for Auto-Owners Life policyholders.
Auto-Owners Life handles beneficiary designations in branch, by mail, and by phone. Accounts can also be linked to trusts through beneficiary designations to keep them out of probate entirely.
Auto-Owners Life provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 7 account types at Auto-Owners Life.
View details →When someone dies
Death claim process
12-step process, 6 required documents, and contact information for survivors.
View details →Auto-Owners Life operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Contact your independent Auto-Owners agent or call 800-346-0346 to request a Beneficiary Change Request form. Complete the form with your policy number, beneficiary names, dates of birth, relationships, and percentage allocations totaling 100%. Sign and return the form through your agent or by mail to Auto-Owners Life Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917. Beneficiary changes cannot be made online.
Yes. A trust can be named as the beneficiary on Auto-Owners life insurance policies and annuities. You will need to provide the full legal trust name, the date the trust was established, and the trust EIN on the Beneficiary Change Request form. Contact your independent agent to obtain the form and submit it with the trust information.
The Item 500 Deferred Annuity has a fluctuating interest rate based on portfolio performance, with a contractual minimum guaranteed rate of 1.15%. The Item 501 Guaranteed Rate Annuity offers a fixed interest rate for a 6-year Renewable Accumulation Period (RAP). Both have no administrative fees or service charges. The surrender charge on each starts at 10% and decreases over time. Contact your independent agent for current declared interest rates.
Auto-Owners offers an online Customer Center at customercenter.auto-owners.com where policyholders can view policy documents, pay bills, and set up recurring payments. However, beneficiary changes and trust designations cannot be made online and must be submitted in writing through your independent agent or by mail. For life and health billing questions, call 800-346-0346 (Monday-Friday, 8:00 AM - 4:30 PM ET).
Phone1-517-323-1200
Toll-Free1-800-346-0346
Fax1-517-323-8796
Mailing Address
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
WebsiteLearn more →
Phone1-517-323-1200
Toll-Free1-800-346-0346
Fax1-517-323-8796
Mailing Address
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
WebsiteLearn more →
Claims Department
Phone1-800-346-0346
Toll-Free1-888-252-4626
Fax1-517-323-8796
Mailing Address
Auto-Owners Life Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917
WebsiteNotify online →
Verified Feb 2026
Estate planning resources for Auto-Owners Life customers
Tools and documents to help protect your Auto-Owners Life accounts.
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