How to name beneficiaries and fund a trust at Foresters
Covers 10 insurance accounts — beneficiaries can be managed online
Phone1-800-828-1540
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteLearn more→
Phone1-800-828-1540
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteLearn more→
Life Insurance Claims
Phone1-800-828-1540
Toll-Free1-800-828-1540
Fax1-877-329-4631
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteNotify online→
Verified May 2026
For Foresters 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.
Across 10 product types, Foresters policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
Foresters Your TermForesters Strong FoundationForesters Prepared IIForesters Advantage Plus IIForesters PlanRightForesters BrightFutureForesters Live Well PlusForesters SMART ULSingle Premium Variable Life (SPVL)Variable Universal Life (VUL)
1
Log in to MyForesters (or use the MyForesters app) to access MyPolicy, where you can view and manage your certificate online
2
Navigate to the forms section within MyPolicy to find the Change of Beneficiary form, or use the live chat feature (Monday-Friday 9:00 AM - 5:00 PM ET) for assistance
3
Complete the form with the certificate number, insured's information, and all beneficiary details
4
Submit the completed form using one of the following methods:
- Mail to P.O. Box 179, Buffalo, NY 14201-0179
- Overnight to 2221 Kenmore Ave, Suite 108, Buffalo, NY 14207-1306
- Fax to 1-877-329-4631
5
Note: MyPolicy is only available to members who are both the account owner and the insured on their Foresters certificate
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- All beneficiaries must be listed on the form, even those not being changed
- Primary and contingent beneficiary percentages must each total 100%
- Irrevocable beneficiary designations require the beneficiary's written consent to change
- If any beneficiary is a minor, a trustee must be named to receive proceeds payable while the child is a minor
- Trusts can be named as primary or contingent beneficiaries
- Form must be signed by the certificate owner
- If your signature has changed since time of issue, include a clear copy of government-issued ID
Phone1-800-828-1540
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteLearn more→
Phone1-800-828-1540
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteLearn more→
Life Insurance Claims
Phone1-800-828-1540
Toll-Free1-800-828-1540
Fax1-877-329-4631
Mailing Address
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Foresters accounts and other assets with trusts, beneficiary designations, and estate planning documents.
