How to name beneficiaries and fund a trust at Liberty Mutual
Covers 10 insurance accounts — beneficiaries can be managed online
Liberty Mutual Life Insurance Customer Service
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Life Insurance Policy Service
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Protective Life Benefits — Life Claims (legacy policies) / Ethos issuing carrier (new policies)
Protective Life Insurance Company, Life Benefits, P.O. Box 12486, Birmingham, AL 35202
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.
Across 10 product types, Liberty Mutual policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
- 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
- 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
Sources
- libertymutual.com
- ethos.com
- public.libertymutual-cdn.com
- protective.com
- claims.protective.com
- help.ethos.com
- investors.ethos.com
- lad3.protective.com
- libertymutualgroup.com
Data sourced from Liberty Mutual primary sources (21 pages reviewed). How we research.
Download these Liberty Mutual instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Liberty Mutual primary sources. Bring it to the branch or keep it beside the phone.
Liberty Mutual Life Insurance Customer Service
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Life Insurance Policy Service
Liberty Life Assurance Company of Boston, 100 Liberty Way, Dover, NH 03820
Protective Life Benefits — Life Claims (legacy policies) / Ethos issuing carrier (new policies)
Protective Life Insurance Company, Life Benefits, P.O. Box 12486, Birmingham, AL 35202
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