Estate planning at COUNTRY Financial

Contact your COUNTRY Financial representative or call the Life-Policy Services team at 866-COUNTRY (866-268-6879). Download the Life Beneficiary Change Form from countryfinancial.com or request it from your representative. Complete the form with primary and contingent beneficiaries, including full legal names, dates of birth, Social Security numbers, relationships, and percentage allocations totaling 100%. Sign the form, secure witness and spouse signatures as required (spouse signature required in community property states: AZ, CA, ID, LA, NV, NM, TX, WA, and WI), and return it to your representative or mail to COUNTRY Financial, P.O. Box 2020, Bloomington, IL 61702-2020. If you reside in Ohio, also complete the Beneficiary or Owner Change Request Questionnaire.

Yes. The COUNTRY Financial Life Beneficiary Change Form includes a field for naming a trust as beneficiary and indicating whether it is a living trust or testamentary trust. You will need to provide the full legal trust name, the date the trust was established, and the trust EIN. A trust can be designated as a primary or contingent beneficiary. Contact your COUNTRY Financial representative or call 866-COUNTRY (866-268-6879) for assistance.

Yes. Beneficiary designations on COUNTRY Financial life insurance policies and annuity contracts take precedence over instructions in a will. All beneficiary designations are revocable unless otherwise specified or required by law. Review and update beneficiary designations regularly, especially after major life events such as marriage, divorce, or the birth of a child. Contact your COUNTRY Financial representative or call 866-COUNTRY (866-268-6879) to update your beneficiaries.

COUNTRY Financial offers three annuity products: Flexible Premium Deferred Annuity (minimum $1,000 initial investment, allows ongoing contributions), Single Premium Deferred Annuity (minimum $10,000 lump-sum payment, no additional payments required), and Single Premium Immediate Annuity (minimum $10,000 lump-sum payment, provides income payments beginning shortly after purchase). All annuities grow tax-deferred at guaranteed interest rates. Annuities are issued by COUNTRY Investors Life Assurance Company, Bloomington, IL. Contact your COUNTRY Financial representative for current interest rates and product availability in your state.

COUNTRY Financial offers insurance and financial products in 19 states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin. Life insurance policies are issued by COUNTRY Life Insurance Company and COUNTRY Investors Life Assurance Company, both based in Bloomington, IL. Annuities are issued by COUNTRY Investors Life Assurance Company. Product availability and terms may vary by state.

Yes. COUNTRY Trust Bank, a subsidiary of COUNTRY Financial, provides trust and estate planning services, including investment management, retirement planning, and trust administration. These services can complement life insurance estate planning strategies such as naming a trust as beneficiary or establishing an ILIT. COUNTRY Trust Bank also provides discretionary investment management through the Journey Series managed accounts (CoMPAS, Focus, and Vision). Contact your COUNTRY Financial representative or call 866-COUNTRY (866-268-6879) for information about trust and planning services.