How to name beneficiaries and fund a trust at OneAmerica Financial
Covers 11 insurance accounts — beneficiaries can be managed online
Individual Policy Service (routed by policy number prefix)
OneAmerica Financial Partners, Inc., One American Square, P.O. Box 368, Indianapolis, IN 46206-0368
Individual Policy Service Request (beneficiary, name, and address changes)
OneAmerica Financial Partners, Inc., One American Square, P.O. Box 368, Indianapolis, IN 46206-0368
Individual Claims Department (life insurance and annuities)
The Companies of OneAmerica Financial, ATTN: Individual Claims, P.O. Box 6008, Indianapolis, IN 46206-6008
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 11 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.
- Full legal name, relationship, address, date of birth, Social Security number, and percentage
- Primary and contingent beneficiaries, with each level totalling 100 percent
- For a trust: the full trust name and the DATE of the trust agreement (OneAmerica's own sample wording is "John Doe Trust dated ______ . Payment to trustee shall discharge the company.")
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Individual policy-service routing is by POLICY NUMBER PREFIX: 800-437-4692 ("10" or "0"), 800-428-2316 ("5" or "L"), 800-537-6442 (all others). The same three numbers serve life, annuity, and asset-based long-term care policies.
- Group life (G-13117) requires a disinterested witness signature — the witness may not be a beneficiary or have an interest in the policy.
- Group life (G-13117) requires spousal signature and consent in community property states (the form names AZ, CA, ID, LA, NM, NV, TX, WA, WI) when the spouse is not the primary beneficiary.
- Trust designations use the trust name plus the date of the trust agreement; OneAmerica's sample wording adds "Payment to trustee shall discharge the company."
- Group life will not accept a collateral assignee (bank or finance company), the employer, or a funeral home as beneficiary.
- A minor beneficiary should be named through a custodian under the state's Uniform Transfers to Minors Act, or through a trust, to avoid a court-supervised guardianship of the death benefit.
- The online Policy Service Request does not handle an OWNERSHIP change; an ILIT assignment must be requested from the policy-service line.
Sources
Data sourced from OneAmerica Financial primary sources (19 pages reviewed). How we research.
Download these OneAmerica Financial instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against OneAmerica Financial primary sources. Bring it to the branch or keep it beside the phone.
Individual Policy Service (routed by policy number prefix)
OneAmerica Financial Partners, Inc., One American Square, P.O. Box 368, Indianapolis, IN 46206-0368
Individual Policy Service Request (beneficiary, name, and address changes)
OneAmerica Financial Partners, Inc., One American Square, P.O. Box 368, Indianapolis, IN 46206-0368
Individual Claims Department (life insurance and annuities)
The Companies of OneAmerica Financial, ATTN: Individual Claims, P.O. Box 6008, Indianapolis, IN 46206-6008
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