How to name beneficiaries and fund a trust at Colonial Life
Covers 9 insurance accounts — beneficiaries can be managed online
Policyholder Support
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteLearn more→
Policyholder Support
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteLearn more→
Loss of Life Claims
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteNotify online→
Verified Jul 2026
Estate planning with Colonial 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.
The transfer rules at Colonial Life vary across 9 policies. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Individual Term Life InsuranceIndividual Whole Life InsuranceGroup Term Life InsuranceAccident InsuranceShort Term Disability InsuranceCritical Illness InsuranceCancer InsuranceHospital Indemnity InsuranceDental & Vision Insurance
1
Log in to your Colonial Life policyholder account at https://www.coloniallife.com/policyholderportal or register for an account if you do not have one
2
Navigate to your policy details to view current beneficiary information
3
Download the Change of Beneficiary form from the Policyholder Service Forms page
4
Complete the form with all required beneficiary details, sign, and return it by mail or fax
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trust beneficiary designations require the full legal trust name, date established, and trustee name(s)
- A copy of the trust agreement or Certification of Trust may be required
- Life insurance policies allow naming a trust as beneficiary; supplemental health products typically pay benefits directly to the policyholder
- Colonial Life will confirm the beneficiary change by U.S. Mail once the form has been approved
Sources
Data sourced from Colonial Life primary sources (19 pages reviewed). How we research.
Download these Colonial Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Colonial Life primary sources. Bring it to the branch or keep it beside the phone.
Policyholder Support
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteLearn more→
Policyholder Support
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteLearn more→
Loss of Life Claims
Phone1-800-325-4368
Fax1-800-880-9325
Mailing Address
Colonial Life & Accident Insurance Company, P.O. Box 1365, Columbia, SC 29202
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Colonial Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
