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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→Nassau Life→Preparing your estate

How to name beneficiaries and fund a trust at Nassau Life

Covers 12 insurance accounts — beneficiaries can be updated by phone

Nassau Life

Subsidiary of Nassau Financial Group, L.P.

nfg.com→
Nassau Life logo

Nassau Service Center

Phone1-800-541-0171
Fax(321) 400-6317 (annuity); (321) 400-6318 (traditional life); (321) 400-6316 (variable life)
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Traditional Life Policy Service
1-800-628-1936
Pyramid Life / Constitution Life Policies (service and claims)
1-800-999-2224
WebsiteLearn more→

Nassau Service Center

Phone1-800-541-0171
Fax(321) 400-6317 (annuity); (321) 400-6318 (traditional life); (321) 400-6316 (variable life)
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Traditional Life Policy Service
1-800-628-1936
Pyramid Life / Constitution Life Policies (service and claims)
1-800-999-2224
WebsiteLearn more→

Nassau Claims

Phone(800) 814-3692
Toll-Free1-800-814-3692
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Pyramid Life / Constitution Life Claims
1-800-999-2224
WebsiteNotify online→
Verified Jul 2026

Beneficiary designations are the foundation of estate planning for Nassau Life 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 12 product types, Nassau Life policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.

Nassau Athos AnnuityNassau Bonus Annuity PlusNassau Bonus AnnuityNassau Income AcceleratorNassau Growth AnnuityNassau Personal Income AnnuityNassau Personal Protection ChoiceNassau Personal Retirement ChoiceNassau MYAnnuityNassau Simple AnnuityTraditional Life Insurance (in-force block)Variable Life Insurance (in-force block)
1
Call the Nassau Service Center at 1-800-541-0171 for an annuity or variable life policy, or the traditional life service line at 1-800-628-1936. Nassau does not take beneficiary changes verbally — the representative confirms the policy and sends the Designation of Beneficiary form (OL122A).
2
Ask which fax line applies to your policy so the completed form is routed correctly: traditional life (321) 400-6318, variable life (321) 400-6316, annuity (321) 400-6317.

Required Documents

  • Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

  • Nassau cannot accept class beneficiary designations ("per stirpes," "lawful/all my children," "issue," "descendants") — it requires each beneficiary's full name for OFAC compliance
  • Any change requires restating the primary beneficiary, even when only the contingent beneficiary is changing
  • A trust beneficiary must also be documented on the Certification and Acknowledgement of Trust Agreement (OL4132A)
  • Percentage allocations must total 100% within each beneficiary tier
  • Community/marital property states (AZ, CA, ID, LA, NV, NM, TX, WA, WI): spousal consent may be required when the spouse is not the sole beneficiary
  • Florida residents may not name their agent as beneficiary without proof the agent qualifies as a "family member" under Florida law
  • Only the policy or contract owner can change a beneficiary designation
SimplyTrustSimplyTrust Editorial·Updated July 12, 2026

Sources

  • formmanager2.nfg.com
  • nfg.com

Data sourced from Nassau Life primary sources (16 pages reviewed). How we research.

Download these Nassau Life instructions

Download instructions for the whole estate→

A printable PDF with the steps, required documents, and contact details — verified against Nassau Life primary sources. Bring it to the branch or keep it beside the phone.

Nassau Life

Subsidiary of Nassau Financial Group, L.P.

nfg.com→
Nassau Life logo

Nassau Service Center

Phone1-800-541-0171
Fax(321) 400-6317 (annuity); (321) 400-6318 (traditional life); (321) 400-6316 (variable life)
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Traditional Life Policy Service
1-800-628-1936
Pyramid Life / Constitution Life Policies (service and claims)
1-800-999-2224
WebsiteLearn more→

Nassau Service Center

Phone1-800-541-0171
Fax(321) 400-6317 (annuity); (321) 400-6318 (traditional life); (321) 400-6316 (variable life)
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Traditional Life Policy Service
1-800-628-1936
Pyramid Life / Constitution Life Policies (service and claims)
1-800-999-2224
WebsiteLearn more→

Nassau Claims

Phone(800) 814-3692
Toll-Free1-800-814-3692
Mailing Address

Nassau, PO Box 22012, Albany, NY 12201-2012 (express mail: Nassau, 15 Tech Valley Drive, Suite 201, East Greenbush, NY 12061-4142)

Pyramid Life / Constitution Life Claims
1-800-999-2224
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your Nassau Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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