How to name beneficiaries and fund a trust at Foresters
Covers 10 insurance accounts — beneficiaries can be managed online
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
Life Insurance Claims
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
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.
- 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
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
Sources
Data sourced from Foresters primary sources (23 pages reviewed). How we research.
Download these Foresters instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Foresters primary sources. Bring it to the branch or keep it beside the phone.
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
Life Insurance Claims
Foresters Financial, P.O. Box 179, Buffalo, NY 14201-0179
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