Estate planning at Mutual of America
How to protect 8 Mutual of America accounts — manage beneficiaries online, fund a trust by mail, and file claims through Mutual of America's Participant Services (beneficiary designations and forms)
Participant Services
Mutual of America Life Insurance Company, 320 Park Avenue, New York, NY 10022-6839
Participant Services (beneficiary designations and forms)
Mutual of America Financial Group, P.O. Box 20011, New York, NY 10011 (address printed on Forms 6463 and 6475)
Life Claims
Mutual of America Life Insurance Company, 320 Park Avenue, New York, NY 10022-6839
Mutual of America offers 8 insurance products that play a central role in estate planning. Because policy proceeds pass directly to named beneficiaries—bypassing probate entirely—keeping designations current is one of the highest-impact steps policyholders can take.
Beneficiary designations at Mutual of America can be managed online, by mail, and by phone, typically taking 15-30 minutes to complete a form; add mailing and processing time, plus a notary appointment if a spousal waiver is required. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Mutual of America 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 8 account types at Mutual of America.
View details →When someone dies
Death claim process
Contact Mutual of America's Participant Services (beneficiary designations and forms) to file a claim. 4-step process, 7 required documents, and contact information for survivors.
View details →Reach Mutual of America's Participant Services (beneficiary designations and forms) at 800-468-3785 for help with any of these procedures.
Frequently asked questions
No. Everything Mutual of America issues is either an employer retirement plan account (401(k), 403(b), 401(a), 457(b)) or an individually owned annuity or IRA contract, and none of those can be held in a trust's name. There is no trust-titled account and no form that asks for one. The only way to connect a Mutual of America retirement asset to your trust is to name the trust as beneficiary on Designation of Trust as Beneficiary Form 6475, which is mailed to Mutual of America Financial Group, P.O. Box 20011, New York, NY 10011. The ordinary beneficiary form, Form 6463, will not accept a trust — it tells you to call 800-468-3785 instead.
Mail it. Neither beneficiary form offers an email or online submission route, and My Account does not complete a designation — it shows what is on file and links you out to the form. Both Designation of Trust as Beneficiary Form 6475 and Beneficiary Designation Form 6463 print the same address on their first page: Mutual of America Financial Group, P.O. Box 20011, New York, NY 10011, with assistance at 800-468-3785. Be aware of a conflict inside Mutual of America's own material: the FAQ page on mutualofamerica.com tells participants to mail Form 6475 to the Withdrawal Processing Center at 1001 Yamato Road, Boca Raton, FL 33431. Follow the address printed on the form you are holding and call 800-468-3785 to confirm before you mail. Separately, the WPC@mutualofamerica.com email address and the Withdrawal Processing Center P.O. Box are the WITHDRAWAL and distribution channel (Distribution Request Form 7126), not the beneficiary channel.
Sources
Data sourced from Mutual of America primary sources (14 pages reviewed). How we research.
Participant Services
Mutual of America Life Insurance Company, 320 Park Avenue, New York, NY 10022-6839
Participant Services (beneficiary designations and forms)
Mutual of America Financial Group, P.O. Box 20011, New York, NY 10011 (address printed on Forms 6463 and 6475)
Life Claims
Mutual of America Life Insurance Company, 320 Park Avenue, New York, NY 10022-6839
Estate planning articles
Learn how to protect your Mutual of America accounts and other assets with trusts, beneficiary designations, and estate planning documents.
