How to name beneficiaries and fund a trust at OneAmerica Financial
Covers 12 insurance accounts — beneficiaries can be updated by phone
Policy Service
Phone1-800-537-6442
Mailing Address
OneAmerica Financial Partners, P.O. Box 368, Indianapolis, IN 46206-0368
Policy Number Starts With "10" or "0"
Policy Number Starts With "5" or "L"
Employer-Sponsored Life/Disability
Retirement Plan (Number Prefix)
Retirement Plan (Letter Prefix)
WebsiteLearn more→
Individual Life & Annuity Policy Services
Phone1-800-537-6442
Mailing Address
The Companies of OneAmerica, ATTN: Individual Life & Annuity Services, P.O. Box 368, Indianapolis, IN 46206-0368
WebsiteLearn more→
Life Insurance & Annuity Claims
Phone1-800-833-5569
Toll-Free1-800-833-5569
Fax1-317-285-1344
Mailing Address
OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008
Group/Employee Benefits Life Claims
Long-Term Care / Asset Care Claims
Disability Claims
WebsiteNotify online→
Verified May 2026
For OneAmerica Financial policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.
Across 12 product types, OneAmerica Financial policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.
Term Life InsuranceWhole Life InsuranceVariable Universal Life (VUL) InsuranceAsset Care (Life Insurance with LTC)Annuity CareFixed AnnuityFixed Indexed AnnuitySingle-Premium Immediate Annuity (SPIA)Voyage Protector Variable AnnuityStarPoint Variable AnnuityGroup Life InsuranceGroup Disability Insurance
1
Contact OneAmerica Financial policy service:
- Call the number for your policy prefix: 1-800-437-4692 (policy number starts with "10" or "0"), 1-800-428-2316 (policy number starts with "5" or "L"), or 1-800-537-6442 (all other policy numbers)
- For employer-sponsored life/disability products, call 1-800-553-5318 or email policyservice@oneamerica.com
- For retirement plan participants: 1-800-858-3829 (plan number starts with a number) or 1-800-249-6269 (plan number starts with a letter)
2
Request and complete the beneficiary change form:
- Provide your policy or contract number and personal identification
- Request a beneficiary change form for your specific policy or annuity
- A representative will guide you through the process or mail you the required forms
3
For group life insurance (form G-13117): contact your employer HR department first, or call 1-800-553-5318
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiaries can include spouses, children, other relatives, friends, trusts, charities, and institutions
- Trust beneficiary designations must state the full trust name and date of the trust agreement (e.g., "John Doe Trust dated MM/DD/YYYY")
- If the beneficiary is a trust, OneAmerica has no obligation to inquire into the terms of the trust; payment to the trustee discharges the company
- If a trust named as beneficiary has been revoked or is not in effect at death, proceeds are paid to the next class of beneficiary or to the estate
- Life events such as marital status changes, births, deaths, or adoptions may necessitate beneficiary updates
- Group life beneficiary changes use form G-13117 and may require coordination with employer HR department
- Different phone numbers apply based on policy number prefix: 1-800-437-4692 (starts with "10" or "0"), 1-800-428-2316 (starts with "5" or "L"), 1-800-537-6442 (all other policy numbers). Retirement plans: 1-800-858-3829 (plan number starts with a number), 1-800-249-6269 (plan number starts with a letter)
Policy Service
Phone1-800-537-6442
Mailing Address
OneAmerica Financial Partners, P.O. Box 368, Indianapolis, IN 46206-0368
Policy Number Starts With "10" or "0"
Policy Number Starts With "5" or "L"
Employer-Sponsored Life/Disability
Retirement Plan (Number Prefix)
Retirement Plan (Letter Prefix)
WebsiteLearn more→
Individual Life & Annuity Policy Services
Phone1-800-537-6442
Mailing Address
The Companies of OneAmerica, ATTN: Individual Life & Annuity Services, P.O. Box 368, Indianapolis, IN 46206-0368
WebsiteLearn more→
Life Insurance & Annuity Claims
Phone1-800-833-5569
Toll-Free1-800-833-5569
Fax1-317-285-1344
Mailing Address
OneAmerica Financial Partners, P.O. Box 6008, Indianapolis, IN 46206-6008
Group/Employee Benefits Life Claims
Long-Term Care / Asset Care Claims
Disability Claims
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your OneAmerica Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
