How to name beneficiaries and fund a trust at Auto-Owners Life
Covers 6 insurance, and 1 retirement accounts — beneficiaries must be updated in-branch
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 Mar 2026
Estate planning with Auto-Owners Life 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.
Auto-Owners Life offers 7 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.
Auto-Owners Individual Retirement Annuity (IRA)
1Contact your independent Auto-Owners agent
2Request a Beneficiary Change Request form
3Complete the form with your policy number and insured information
4List primary beneficiaries with full legal names, dates of birth, relationships, and percentage allocations totaling 100%
5List contingent beneficiaries if desired
6For trusts: provide the full legal trust name, date established, and trust EIN
7Sign and date the form
8Your agent will submit the form to Auto-Owners Life Insurance Company for processing
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- All beneficiary changes must be submitted in writing on the official form
- Beneficiary changes cannot be made online
- Percentage allocations must total 100% for each beneficiary tier
- Beneficiary designations override instructions in a will
- Only the policy owner can change beneficiary designations
- Contact your independent agent for assistance with the form
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 Mar 2026
Estate planning documents for Auto-Owners Life customers
Free documents designed to protect your Auto-Owners Life accounts.