Estate planning at Integrity Life
How to protect 13 Integrity Life accounts — manage beneficiaries by phone, fund a trust by mail, and file claims through Integrity Life's Client Services (beneficiary designations, ownership/trust changes)
Integrity Life
Subsidiary of Western & Southern Financial Group
westernsouthern.com/distributors/about/integrity-companies→
Client Services (Annuity Information)
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
Client Services (beneficiary designations, ownership/trust changes)
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
Client Services — Annuity Claims
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
With 13 products relevant to estate planning, Integrity Life policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Integrity Life are what determine who receives the death benefit.
Integrity Life lets account holders update beneficiary designations by mail and by phone, typically taking 15-20 minutes to complete; allow several weeks for processing. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
There are two sides to estate planning at Integrity Life: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries by phone, fund a trust by mail, and review 13 account types at Integrity Life.
View details →When someone dies
Death claim process
Contact Integrity Life's Client Services (beneficiary designations, ownership/trust changes) to file a claim. 6-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Integrity Life's Client Services (beneficiary designations, ownership/trust changes) at 800-325-8583. Email inquiries can be sent to service@integritycompanies.com.
Frequently asked questions
It depends on where you have lived. Integrity requires spousal consent for contracts where the owner resides — or has resided — in Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, or Wisconsin, unless the spouse is named as the annuitant, the owner, or the sole primary beneficiary. Consent is also required on a contract that is part of an IRC 401(a) qualified plan subject to ERISA when anyone other than the spouse is named. The spousal consent block is on the beneficiary form itself, and Integrity states plainly that "the company is not liable for any consequences resulting from your failure to obtain proper consent" — so if the signature is missing and the designation is later challenged, that is your problem, not the insurer's.
Sources
Data sourced from Integrity Life primary sources (15 pages reviewed). How we research.
Integrity Life
Subsidiary of Western & Southern Financial Group
westernsouthern.com/distributors/about/integrity-companies→Client Services (Annuity Information)
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
Client Services (beneficiary designations, ownership/trust changes)
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
Client Services — Annuity Claims
Integrity Life Insurance Company, Attn: Client Services, PO Box 5720, Cincinnati, OH 45201-5720
Estate planning articles
Learn how to protect your Integrity Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
