How to name beneficiaries and fund a trust at Horace Mann
Covers 11 insurance, and 6 retirement accounts — beneficiaries can be managed online
Horace Mann Customer Service
The Horace Mann Companies, 1 Horace Mann Plaza, Springfield, IL 62715. Annuity correspondence and contributions: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657.
Horace Mann Customer Service
The Horace Mann Companies, 1 Horace Mann Plaza, Springfield, IL 62715. Annuity correspondence and contributions: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657.
Horace Mann Claims — life insurance and annuity death claims (one intake for both)
Return the mailed claim packet to the address printed on it, or to the regional office handling the claim. Annuity correspondence: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657. Supplemental policies (National Teachers Associates): P.O. Box 650855, Dallas, TX 75265-0855. Group benefits (Madison National Life): P.O. Box 2865, Clinton, IA 52733.
For Horace Mann 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 17 product types, Horace Mann policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
- Click the account you want to update
- Click "Take Action" within that account
- Select "Beneficiary" and enter the change directly online
- A separate designation applies to each account, so repeat for every Retirement Advantage account you hold
- Click "Documents" from the home screen
- Select "Insurance Forms", then "Life Forms"
- Scroll to "Beneficiary Change Form" — the Life, Annuity and Group insurance beneficiary change request form (Form IA-009971)
- List primary and contingent beneficiaries with names, relationships, Social Security numbers, dates of birth, and benefit percentages; to name a trust, enter the trust as the beneficiary with its full legal name and date, and use the attached-listing option if you run out of space
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- The policy owner signs; both owners must sign a jointly owned policy; an irrevocable beneficiary must also sign any change
- Community/marital property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI): the owner's spouse must also sign the life/annuity beneficiary change form
- Percentage allocations must total 100% within each beneficiary tier
- A separate Retirement Advantage form (or online change) is required for each account; each new designation revokes all prior designations on that account
- The current RA-000009 (08-24) is a single page with no spousal-consent section; an earlier revision required notarized spousal consent for ERISA-governed plans and community-property-state residents. Confirm with the plan administrator or Horace Mann (800-677-2363) whether spousal consent applies to your employer plan
- Trusts can be named directly: RA-000009 takes the trust name with its EIN and trust date
- Minor children cannot receive benefits directly; name a custodian or a trust
- Beneficiary designations on life insurance, annuities, and 403(b)/457(b) accounts override a will
Sources
Data sourced from Horace Mann primary sources (15 pages reviewed). How we research.
Download these Horace Mann instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Horace Mann primary sources. Bring it to the branch or keep it beside the phone.
Horace Mann Customer Service
The Horace Mann Companies, 1 Horace Mann Plaza, Springfield, IL 62715. Annuity correspondence and contributions: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657.
Horace Mann Customer Service
The Horace Mann Companies, 1 Horace Mann Plaza, Springfield, IL 62715. Annuity correspondence and contributions: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657.
Horace Mann Claims — life insurance and annuity death claims (one intake for both)
Return the mailed claim packet to the address printed on it, or to the regional office handling the claim. Annuity correspondence: Horace Mann Life Insurance Company, P.O. Box 4657, Springfield, IL 62708-4657. Supplemental policies (National Teachers Associates): P.O. Box 650855, Dallas, TX 75265-0855. Group benefits (Madison National Life): P.O. Box 2865, Clinton, IA 52733.
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