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
Payments
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
Payments
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 Apr 2026
With 7 products relevant to estate planning, Auto-Owners Life policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Auto-Owners Life are what determine who receives the death benefit.
At Auto-Owners Life, beneficiary designations are managed 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 has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
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
6-step process, 6 required documents, and contact information for survivors.
View details →Because Auto-Owners Life serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
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.
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).
No. Auto-Owners Life Insurance Company sells all products exclusively through a network of independent insurance agents across 26 states. You cannot purchase a policy directly from Auto-Owners online or by calling the company. Use the agency locator at auto-owners.com/agency-locator to find an independent agent in your area.
Yes. Auto-Owners Level Term Life insurance includes a conversion option that allows you to convert to a permanent life insurance product (whole life or universal life) without additional underwriting. Contact your independent Auto-Owners agent to discuss conversion options and timing before the conversion deadline specified in your policy.
Sources
Data sourced from Auto-Owners Life primary sources (15 pages reviewed). How we research.
Phone1-517-323-1200
Toll-Free1-800-346-0346
Fax1-517-323-8796
Mailing Address
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
Payments
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
Payments
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 Apr 2026
Estate planning articles
Learn how to protect your Auto-Owners Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
