Estate planning at Nassau Life
How to protect 12 Nassau Life accounts — manage beneficiaries by phone, fund a trust by mail, and file death claims
Nassau Service Center
Phone1-800-541-0171
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
Pyramid Life / Constitution Life Policies
Beneficiary Verification
WebsiteLearn more→
Nassau Service Center
Phone1-800-541-0171
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
Pyramid Life / Constitution Life Policies
Beneficiary Verification
WebsiteLearn more→
Life Insurance Claims
Phone(800) 814-3692
Toll-Free1-800-814-3692
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
WebsiteNotify online→
Verified Apr 2026
Nassau Life is a insurance company with 12 products relevant to estate planning. Life insurance and annuity proceeds transfer directly to named beneficiaries outside of probate, making beneficiary designations one of the most important estate planning steps for Nassau Life policyholders.
Managing beneficiaries at Nassau Life is straightforward—changes can be made by mail and by phone, typically taking 2-4 weeks by mail. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
Nassau Life 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 update beneficiaries by phone, fund a trust by mail, and review 12 account types at Nassau Life.
View details →When someone dies
Death claim process
7-step process, 7 required documents, and contact information for survivors.
View details →Frequently asked questions
Call the Nassau Service Center at 1-800-541-0171 to request the Beneficiary Designation form (OL122A), or download it from nfg.com/service-forms. Complete the form with each beneficiary's full legal name, date of birth, Social Security number, relationship, and percentage allocation, then mail or fax it to Nassau. If naming a trust as beneficiary, you must also complete the Certification and Acknowledgement of Trust Agreement form (OL4132A). Only the policy or contract owner can change beneficiary designations.
Nassau offers two types of annuities. Fixed indexed annuities (FIAs) such as the Nassau Athos Annuity, Nassau Bonus Annuity, Nassau Growth Annuity, and Nassau Income Accelerator offer interest credits linked to the positive performance of market indices (such as the S&P 500 and Nasdaq-100) with protection from market losses. Multi-year guaranteed annuities (MYGAs) such as the Nassau MYAnnuity and Nassau Simple Annuity offer a fixed interest rate guaranteed for a selected period (4 to 7 years). Both types offer tax-deferred growth, and a trust can be named as owner or beneficiary on either type.
To transfer ownership of a Nassau annuity contract to a trust, you need two forms: the Ownership and Beneficiary Change to a Trust form (OL2346E) and the Certification and Acknowledgement of Trust Agreement form (OL4132A). The OL2346E form captures the trust name, date established, and tax identification number. The OL4132A form certifies the existence of the trust and identifies the current trustees and successors. An authorized trustee must sign the ownership change form. Download both forms from nfg.com/service-forms or call 1-800-541-0171 to request them.
Nassau Life and Annuity Company, Nassau Life Insurance Company, and Nassau Life Insurance Company of Kansas share an AM Best Financial Strength Rating of B++ (Good) with a Stable outlook, most recently affirmed on February 27, 2026. AM Best is one of four agencies that rate Nassau's insurance subsidiaries, along with Kroll Bond Rating Agency (KBRA), Fitch Ratings, and S&P Global Ratings. The B++ rating is the 5th of 13 rating levels on the AM Best scale.
Sources
Data sourced from Nassau Life primary sources (16 pages reviewed). How we research.
Nassau Service Center
Phone1-800-541-0171
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
Pyramid Life / Constitution Life Policies
Beneficiary Verification
WebsiteLearn more→
Nassau Service Center
Phone1-800-541-0171
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
Pyramid Life / Constitution Life Policies
Beneficiary Verification
WebsiteLearn more→
Life Insurance Claims
Phone(800) 814-3692
Toll-Free1-800-814-3692
Mailing Address
Nassau, P.O. Box 22012, Albany, NY 12201-2012
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Nassau Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
