How to name beneficiaries and fund a trust at Liberty Mutual
Covers 8 insurance accounts — beneficiaries can be managed online
Liberty Mutual Life Insurance Customer Service
Phone1-800-290-8711
Toll-Free1-800-290-8711
Mailing Address
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Liberty Mutual General Customer Service
Liberty Mutual / Liberty Life Policyholder Services
Liberty Mutual Life Insurance Sales
Protective Life Policy Service (legacy policies)
Protective Life Claims (legacy policies)
WebsiteLearn more→
Life Insurance Policy Service
Phone1-800-451-7065
Mailing Address
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Ethos Customer Support (new policies, via help.ethos.com)
Protective Life Policy Service (legacy policies)
WebsiteLearn more→
Protective Life Claims (legacy policies) / Ethos issuing carrier (new policies)
Phone1-800-424-1592
Fax205-268-6833
Mailing Address
Claims, P.O. Box 12486, Birmingham, AL 35202
Ethos help center (new policies, April 2026+)
WebsiteNotify online→
Verified May 2026
Beneficiary designations are the foundation of estate planning for Liberty Mutual policies. Unlike bank accounts, insurance products cannot be retitled into a trust. Instead, the beneficiary designation itself determines who receives the proceeds and how quickly they're paid. Naming a trust as beneficiary is an option when more control over distributions is needed.
Liberty Mutual offers 8 policies, each with its own transfer rules. The sections below cover how to set up beneficiaries, fund a trust, and which products support each approach.
Term Life Insurance (via Ethos)Whole Life Insurance (via Ethos)Guaranteed Acceptance Whole Life Insurance (via Ethos)Protective Classic Choice Term Life Insurance (Legacy)Protective Series Passport Simplified Issue Term Life Insurance (Legacy)Protective Non-Participating Whole Life Insurance (Legacy)Protective Series Whole Life Simplified Issue Insurance (Legacy)Liberty Mutual Group Life Insurance
1
For new policies issued through the Ethos partnership (April 2026 and later): Log in to your Ethos account at ethos.com
- Navigate to policy details and select the beneficiary management option
- Add, edit, or remove primary and contingent beneficiaries
- To name a trust, provide the full legal trust name, date established, and trust EIN
- Ensure percentage allocations total 100%; the change is effective once recorded by the issuing carrier
2
For legacy Liberty Life Assurance policies (issued before 2018): Log in at libertymutual.com
- Navigate to your life insurance policy
- Select "I want to" and then "Change My Beneficiaries"
- Add, edit, or remove primary and contingent beneficiaries and ensure percentage allocations total 100%
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the authenticated policy owner can change a beneficiary
- Policyholder signature is required on all written change forms
- If an irrevocable beneficiary is designated, that beneficiary must consent to any change
- Spousal consent may be required in community property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI)
- Beneficiary designations override instructions in a will
- Identify the correct servicer before submitting: Ethos for new policies issued April 2026 and later, Protective Life / Liberty Life Assurance for legacy policies issued before 2018
Liberty Mutual Life Insurance Customer Service
Phone1-800-290-8711
Toll-Free1-800-290-8711
Mailing Address
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Liberty Mutual General Customer Service
Liberty Mutual / Liberty Life Policyholder Services
Liberty Mutual Life Insurance Sales
Protective Life Policy Service (legacy policies)
Protective Life Claims (legacy policies)
WebsiteLearn more→
Life Insurance Policy Service
Phone1-800-451-7065
Mailing Address
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Ethos Customer Support (new policies, via help.ethos.com)
Protective Life Policy Service (legacy policies)
WebsiteLearn more→
Protective Life Claims (legacy policies) / Ethos issuing carrier (new policies)
Phone1-800-424-1592
Fax205-268-6833
Mailing Address
Claims, P.O. Box 12486, Birmingham, AL 35202
Ethos help center (new policies, April 2026+)
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your Liberty Mutual accounts and other assets with trusts, beneficiary designations, and estate planning documents.
