What to do when a Invesco account holder dies
Contact Invesco's Invesco Client Services (no dedicated estate unit — estate transactions run through Client Services and the forms library) — 7-step process, 13 required documents, and everything is processed by mail in kansas city. typically 1-4 weeks after invesco receives a complete package; expect longer if a medallion signature guarantee, employer/tpa authorization, or probate paperwork has to be chased down first.
Invesco Client Services
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078 (overnight: 801 Pennsylvania Ave, Suite 219078, Kansas City, MO 64105-1307)
Outside the United States
Invesco investor line
Closed-end funds
WebsiteLearn more→
Invesco Client Services (no dedicated estate unit — estate transactions run through Client Services and the forms library)
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078
WebsiteLearn more→
Invesco Client Services
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078 (overnight: 801 Pennsylvania Ave, Suite 219078, Kansas City, MO 64105-1307)
Outside the United States
CollegeBound 529 (separate platform)
WebsiteNotify online→
Verified Jul 2026
When a Invesco account holder passes away, the next step depends on how the investment accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Invesco's Invesco Client Services (no dedicated estate unit — estate transactions run through Client Services and the forms library) (800-959-4246) to access and distribute the funds.
Invesco offers an online claims portal that makes the initial filing process more straightforward. Survivors can also initiate claims by phone or by mailing documentation directly.
Death claim process
Here is the step-by-step death claim process at Invesco:
Filing a claim
1
Call Invesco Client Services at 800-959-4246 (M-F 7 a.m. to 6 p.m. CT) to report the death and confirm requirements. The Change of Ownership form expressly directs you to call first when the transfer is due to the death of the account owner — Invesco adds requirements case by case
2
Order certified copies of the death certificate. Invesco has no branches and no online claims portal; the entire claim is a mail process to Kansas City
3
Plan for the signature guarantee, because it drives everything else:
- A MEDALLION signature guarantee is generally required to transfer or distribute a deceased owner's IRA, 403(b)(7), or Solo 401(k). Get it from a bank, broker-dealer, savings and loan, credit union, or other SEC-eligible guarantor institution
- A notary public CANNOT provide a signature guarantee, and an endorsement guarantee is not accepted
- If you cannot obtain a medallion, Invesco accepts a plain signature guarantee PLUS supporting documents: a photocopy of the death certificate or a certified copy of Letters Testamentary showing the date of death; a certified copy of the small estate affidavit if you are an heir or devisee claiming under a small estate administration; and, when no beneficiary is named and the owner was unmarried, a death certificate photocopy showing the owner was not married (or a medallion-guaranteed letter stating marital status and that no one else has a claim)
- A notarized signature (section 13 of the claim forms) may be accepted in place of any guarantee if you qualify — call Client Services for the eligibility rules
4
Complete the claim form that matches the account type — one form per beneficiary:
- IRA: IRA Beneficiary Transfer/Distribution Form, IRA-FRM-29 (https://www.invesco.com/content/dam/invesco/us/en/documents/form/ira-beneficiary-transfer-distribution-form.pdf)
- 403(b)(7): 403(b)(7) Beneficiary Transfer/Distribution Form, 403B-FRM-29 (https://www.invesco.com/content/dam/invesco/us/en/documents/form/403-b-7-beneficiary-transfer-distribution-form.pdf) — the claim can be DENIED without the employer or Third Party Administrator authorization in section 15, or an attached employer/TPA letter of authorization
- Solo 401(k): Solo 401(k) Beneficiary Transfer/Distribution Form, SOLO-FRM-12 (https://www.invesco.com/content/dam/invesco/us/en/documents/form/solo-401-k-beneficiary-transfer-distribution-form.pdf) — a medallion guarantee is required on the Employer/Plan Administrator/Trustee or Successor Plan Administrator/Trustee signature
- Non-retirement mutual fund account passing to an estate, successor owner, or successor trustee: Change of Ownership Form with Signature Guarantee, AIM-FRM-52 (https://www.invesco.com/content/dam/invesco/us/en/documents/form/change-of-ownership-form-with-signature-guarantee.pdf), signing in the capacity of Executor(trix) or Successor Trustee
- Anything else, or a request that does not fit a form: Letter of Instruction with Signature Guarantee, AIM-FRM-54 (https://www.invesco.com/content/dam/invesco/us/en/documents/form/letter-of-instruction-with-signature-guarantee.pdf) — state the capacity in which you are authorized to sign and have that signature medallion guaranteed
- Invesco ETFs: not claimable at Invesco. Contact the brokerage where the shares are held
5
Attach the situation-specific documents Invesco's own claim checklist calls out:
- A state inheritance tax waiver, if your state requires one (item on the IRA-FRM-29 mailing checklist)
- A copy of the divorce decree if you are a former spouse — and note that a former spouse can only inherit if the owner re-named them AFTER the divorce date (the decree can be waived if you provide a medallion guarantee)
- A copy of the death certificate of any named beneficiary who predeceased the owner (waived with a medallion guarantee)
- A letter of acceptance from the receiving custodian if you are moving the inherited assets to a beneficiary IRA elsewhere — it must state the assets go into a beneficiary IRA in the same decedent's name for your benefit
- A completed account application if the inherited assets are going into a new Invesco account
6
Mail every page of the form (Invesco asks for all pages, applicable or not) to Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078, or overnight to 801 Pennsylvania Ave, Suite 219078, Kansas City, MO 64105-1307
7
Invesco reviews the claim and contacts you (or your financial professional, per the contact preference you selected on the form) if anything is missing
Required Documents
- Certified copy of the death certificate (a photocopy is acceptable in the no-medallion documentation route)
- Valid government-issued ID for the beneficiary, successor trustee, or estate representative
- Medallion signature guarantee on the claim form — or a plain signature guarantee plus supporting documents; a notary public cannot provide either guarantee
- IRA Beneficiary Transfer/Distribution Form (IRA-FRM-29) for IRAs — one per beneficiary
- 403(b)(7) Beneficiary Transfer/Distribution Form (403B-FRM-29) plus employer or TPA authorization for 403(b)(7) accounts
- Solo 401(k) Beneficiary Transfer/Distribution Form (SOLO-FRM-12) with a medallion-guaranteed plan administrator/trustee signature
- Change of Ownership Form with Signature Guarantee (AIM-FRM-52) for a non-retirement account passing to an estate, successor owner, or successor trustee
- Certified copy of Letters Testamentary or Letters of Administration when no beneficiary or TOD registration is on file
- Certified copy of a small estate affidavit if claiming as an heir or devisee under a small estate administration
- State inheritance tax waiver, where the state requires one
- Copy of the divorce decree if you are a former spouse of the decedent (waived with a medallion guarantee)
- Letter of acceptance from the receiving custodian if transferring the inherited IRA away from Invesco
- Account number(s) of the deceased account holder
What to know at this institution
Two Invesco-specific rules decide most claims. First, the default beneficiary: under Article 7(a) of the Invesco custodial agreement (IRA-LGL-6), if no beneficiary designation is in effect at death, the designation cannot be ascertained, or every named beneficiary predeceased the owner, the beneficiary is the SURVIVING SPOUSE — the account only falls to the estate if the owner was unmarried at death. Second, the trust trap: under Article 7(d), when a trust (or a class of people, e.g. "my children") is named as IRA beneficiary, Invesco Trust Company will not read the trust or work out who the class members are. It takes instructions and certifications from the duly appointed executor or administrator of the DEPOSITOR'S ESTATE to determine disposition — so naming a trust on an Invesco IRA does not keep the executor out of the process. Beyond that: a medallion signature guarantee is generally required on every death claim and cannot be obtained from a notary public; Invesco publishes a documented fallback (plain signature guarantee plus death certificate, Letters Testamentary, or a certified small estate affidavit) and a notarized-signature alternative for eligible claimants. Invesco has no branches and no claims portal — every claim is mailed to Invesco Investment Services, Inc. in Kansas City. Invesco ETFs (QQQ and the rest) are claimed at the brokerage that holds them, and CollegeBound 529 accounts are claimed on an entirely separate platform at (877) 615-4116.
Prepare your letter of instruction to Invesco
Invesco asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Invesco requires.
Build your letter of instructionProcessing timelines at Invesco: Everything is processed by mail in Kansas City. Typically 1-4 weeks after Invesco receives a complete package; expect longer if a medallion signature guarantee, employer/TPA authorization, or probate paperwork has to be chased down first. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Invesco requires several documents to process a claim, including Certified copy of the death certificate (a photocopy is acceptable in the no-medallion documentation route), Valid government-issued ID for the beneficiary, successor trustee, or estate representative, and Medallion signature guarantee on the claim form — or a plain signature guarantee plus supporting documents; a notary public cannot provide either guarantee, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Not if they were married. Article 7(a) of the Invesco IRA custodial agreement (IRA-LGL-6) says that when no beneficiary designation is in effect at death, the designation cannot be ascertained, or every named beneficiary predeceased the owner, the beneficiary is the SURVIVING SPOUSE. The account passes to the estate only if the owner was unmarried at death — and in that case Invesco wants a photocopy of the death certificate showing the owner was not married, or a medallion-guaranteed letter confirming marital status and that no one else has a claim. An executor claiming for an unmarried decedent uses the IRA Beneficiary Transfer/Distribution Form (IRA-FRM-29) with Letters Testamentary.
No — and this catches people out. Article 7(d) of the Invesco custodial agreement says Invesco Trust Company has no responsibility to administer any trust or to work out who belongs to a named class of people. When a trust (or a class such as "my children") is the IRA beneficiary, Invesco takes its instructions and certifications from the duly appointed executor or administrator of the account owner's ESTATE to determine how the assets are disposed of. So an Invesco IRA left to a trust still pulls the executor into the claim, unlike an IRA left to individuals named on the Beneficiary Designation Form (AIM-FRM-5), where Invesco pays the named people directly.
Generally yes. Invesco's claim forms state that a medallion signature guarantee is normally required to transfer or distribute a deceased owner's IRA (IRA-FRM-29), 403(b)(7) (403B-FRM-29), or Solo 401(k) (SOLO-FRM-12), and every signature on the Change of Ownership Form (AIM-FRM-52) needs a signature or medallion guarantee. A notary public CANNOT provide one — it has to come from a bank, broker-dealer, savings and loan, credit union, or another SEC-eligible guarantor institution, and an endorsement guarantee is not accepted. Invesco does publish a fallback: if you cannot get a medallion, provide a plain signature guarantee plus supporting documents (a death certificate photocopy or certified Letters Testamentary, or a certified small estate affidavit if you are claiming under a small estate administration). A notarized signature may also be accepted in place of a guarantee for eligible claimants — call 800-959-4246 to check.
No. The Invesco Change of Trustee Form (AIM-FRM-63) states on its first page that it must NOT be used when a trustee is being removed due to death, when the trust's Tax ID or SSN is changing, or when a current trustee's legal name is changing. The form only handles two situations: a trustee who resigned (which needs the resigning trustee's notarized signature) or a trustee who is unable to act (which needs a copy of the trust agreement identifying the successor trustee). When a trustee has died, call Invesco Client Services at 800-959-4246 for the requirements — the successor-trustee path typically runs through the Change of Ownership Form with Signature Guarantee (AIM-FRM-52) or a medallion-guaranteed Letter of Instruction (AIM-FRM-54), signed in the capacity of Successor Trustee.
Both plans have an authorization requirement beyond the death certificate. The 403(b)(7) Beneficiary Transfer/Distribution Form (403B-FRM-29) warns that your request may be DENIED if the employer or Third Party Administrator does not sign the authorization in section 15 (or attach a letter of authorization) — so a beneficiary has to get a signature out of the decedent's former school district or plan TPA before Invesco will release anything. The Solo 401(k) form (SOLO-FRM-12) requires a MEDALLION-guaranteed signature from the Employer/Plan Administrator/Trustee or Successor Plan Administrator/Trustee. In an owner-only business the deceased participant usually WAS the plan administrator, so if no Invesco Solo 401(k) Successor Plan Administrator Designation Form was ever filed, there is nobody left with authority to sign the claim. Filing that successor form while the participant is alive is the fix.
Invesco's Invesco Client Services can be reached by phone at 800-959-4246 for questions throughout the claims process.
If the deceased held multiple Invesco investment accounts, each may require a separate claim or have different documentation requirements. The Invesco Client Services (no dedicated estate unit — estate transactions run through Client Services and the forms library) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from Invesco primary sources (15 pages reviewed). How we research.
Invesco Client Services
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078 (overnight: 801 Pennsylvania Ave, Suite 219078, Kansas City, MO 64105-1307)
Outside the United States
Invesco investor line
Closed-end funds
WebsiteLearn more→
Invesco Client Services (no dedicated estate unit — estate transactions run through Client Services and the forms library)
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078
WebsiteLearn more→
Invesco Client Services
Phone800-959-4246
Mailing Address
Invesco Investment Services, Inc., P.O. Box 219078, Kansas City, MO 64121-9078 (overnight: 801 Pennsylvania Ave, Suite 219078, Kansas City, MO 64105-1307)
Outside the United States
CollegeBound 529 (separate platform)
WebsiteNotify online→
Verified Jul 2026
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