How to name beneficiaries and fund a trust at Cincinnati Life
Covers 5 insurance accounts — beneficiaries can be updated by phone
Life Policy Services
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
Life Policy Services
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
Life Claims
The Cincinnati Life Insurance Company, Attn: Life Claims, P.O. Box 145496, Cincinnati, OH 45250-5496
For Cincinnati Life 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.
Cincinnati Life has 5 policies with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
- Request the Policy Service Form for a beneficiary change
- A representative will mail, email, or fax the form to you
- Complete the Beneficiary Change/Designation section on Page 1
- Complete the Signature section on Page 2
- Witnesses must be any adult other than the insured, designated beneficiary, or policyowner
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts can be named as beneficiaries on life insurance and annuity policies
- Primary and contingent beneficiaries allowed with percentage allocations
- Qualifying witnesses must be any adult other than the insured, designated beneficiary, or policyowner
- If a trust is removed as beneficiary, ensure the trust no longer exists or a successor trustee is named to avoid delays at claim time
- If the trustee passes away and no successor trustee is named, there could be a delay at the time of a claim
- Beneficiary designations on policies override instructions in a will
- Contact your independent insurance agent for assistance with beneficiary changes
Sources
Data sourced from Cincinnati Life primary sources (15 pages reviewed). How we research.
Download these Cincinnati Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Cincinnati Life primary sources. Bring it to the branch or keep it beside the phone.
Life Policy Services
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
Life Policy Services
The Cincinnati Life Insurance Company, Life Policy Services, P.O. Box 145496, Cincinnati, OH 45250-5496
Life Claims
The Cincinnati Life Insurance Company, Attn: Life Claims, P.O. Box 145496, Cincinnati, OH 45250-5496
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