How to name beneficiaries and fund a trust at Integrity Life
Covers 13 insurance accounts — beneficiaries can be updated by phone
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 with Integrity Life policies centers on beneficiary designations—the single most important step for ensuring life insurance proceeds and annuity benefits reach the intended recipients without probate involvement. Unlike bank or brokerage accounts, insurance products are not retitled into trusts; instead, trusts are named as beneficiaries when estate tax planning or controlled distributions are needed.
Integrity Life has 13 product types, and the estate transfer rules differ across them. Some support beneficiary designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- No online beneficiary changes — Integrity requires a signed paper form returned by mail or fax (888-220-2677)
- Two distinct designations: the annuitant's beneficiary (IL-61-0002) and the owner's beneficiary (IL-00-3185, Section 4). Where the owner and annuitant are different people, updating one does NOT update the other
- All owners must sign; unless marked contingent, every named beneficiary is treated as a primary beneficiary
- Spousal consent required where the owner resides or has resided in AZ, CA, ID, LA, NM, NV, TX, WA, or WI, unless the spouse is the annuitant, owner, or sole primary beneficiary
- Spousal consent also required on an IRC 401(a) contract subject to ERISA when a non-spouse is named
- If the contract is owned by a trust or other entity, that same trust or entity must remain the contract beneficiary — you cannot leave an individual as beneficiary of a trust-owned contract
- The owner may restrict the beneficiary's payout (full or partial restriction to an annuity option), but a spousal beneficiary may still have the right to re-register the contract regardless of the restriction elected
Sources
Data sourced from Integrity Life primary sources (15 pages reviewed). How we research.
Download these Integrity Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Integrity Life primary sources. Bring it to the branch or keep it beside the phone.
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.
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreMore estate planning resources
Explore related tools and documents to complete your estate plan.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
How Much Does a Revocable Living Trust Cost?
Compare the cost of creating a revocable living trust. See how SimplyTrust, Trust & Will, LegalZoom, and attorneys compare over 5 years including life events.
How Much Does a Will Cost?
Compare the cost of creating a will. See document costs plus probate fees your heirs will pay. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys.
