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
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
Claims Department
Auto-Owners Life Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917
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.
Each of Auto-Owners Life's 7 policies has different rules for how it transfers at death. The sections below explain the options for each.
- Policy number and insured information
- Primary beneficiaries with full legal names, dates of birth, relationships, and percentage allocations totaling 100%
- Contingent beneficiaries if desired
- Full legal trust name
- Date the trust was established
- Trust EIN
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
Sources
Data sourced from Auto-Owners Life primary sources (15 pages reviewed). How we research.
Download these Auto-Owners Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Auto-Owners Life primary sources. Bring it to the branch or keep it beside the phone.
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
Auto-Owners Insurance, PO Box 30660, Lansing, MI 48909
Claims Department
Auto-Owners Life Insurance Company, 6101 Anacapri Blvd., Lansing, MI 48917
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