Estate planning at Jackson
How to protect 19 Jackson accounts — manage beneficiaries online, fund a trust by mail, and file claims through Jackson's Claims Department
Service Center
Phone1-800-644-4565
General Information
Automated Values, Contract Information, and Account Security
Service Center for Financial Professionals
Jackson National Life of New York
Claims Department
Phone1-800-644-4565
Fax1-800-701-0125
Mailing Address
Jackson, P.O. Box 24068, Lansing, MI 48909-4068
WebsiteLearn more→
Claims Department
Phone1-800-644-4565
Fax1-800-701-0125
Mailing Address
Jackson, P.O. Box 24068, Lansing, MI 48909-4068
General Information
WebsiteNotify online→
Verified May 2026
With 19 products relevant to estate planning, Jackson policyholders need to understand how beneficiary designations control where proceeds go. These designations override a will, so the names on file with Jackson are what determine who receives the death benefit.
Managing beneficiaries at Jackson is straightforward—changes can be made online, by mail, and by phone, typically taking 5-10 minutes online. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Jackson has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 19 account types at Jackson.
View details →When someone dies
Death claim process
Contact Jackson's Claims Department to file a claim. 7-step process, 5 required documents, and contact information for survivors.
View details →Jackson's Claims Department can answer questions about beneficiaries, trusts, or death claims at 1-800-644-4565.
Frequently asked questions
Under IRC Section 72(u), a trust-owned annuity qualifies for tax deferral only if the trust benefits solely natural persons or is a grantor trust. Jackson will treat trust-owned contracts meeting these requirements as tax deferred. However, trust ownership eliminates spousal continuation (the right of a surviving spouse to step into the contract as new owner and preserve the income guarantee) and eliminates the nonqualified stretch (the right of a non-spouse beneficiary to receive distributions over their life expectancy). Jackson's Annuity Titling Guide recommends naming the trust as beneficiary rather than as owner to preserve these benefits. Consult an estate attorney before retitling.
Jackson accepts either a completed Certification of Trust (Form X5335 for non-New York states, Form N5335 for New York) or a complete copy of the trust agreement including all signature pages and any amendments. The Certification of Trust form is typically simpler and avoids disclosing the full trust terms. The trust EIN and trustee name must also be provided on the Beneficiary Designation form (X3041 for non-New York, N3041 for New York). Submit forms by mail to Jackson, P.O. Box 24068, Lansing, MI 48909-4068, or by overnight delivery to Jackson, 1 Corporate Way, Lansing, MI 48951.
Sources
Data sourced from Jackson primary sources (21 pages reviewed). How we research.
Service Center
Phone1-800-644-4565
General Information
Automated Values, Contract Information, and Account Security
Service Center for Financial Professionals
Jackson National Life of New York
Claims Department
Phone1-800-644-4565
Fax1-800-701-0125
Mailing Address
Jackson, P.O. Box 24068, Lansing, MI 48909-4068
WebsiteLearn more→
Claims Department
Phone1-800-644-4565
Fax1-800-701-0125
Mailing Address
Jackson, P.O. Box 24068, Lansing, MI 48909-4068
General Information
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Jackson accounts and other assets with trusts, beneficiary designations, and estate planning documents.
