How to name beneficiaries and fund a trust at Pacific Guardian Life
Covers 10 insurance accounts — beneficiaries can be updated by phone
Pacific Guardian Life - Main Office
Pacific Guardian Life Insurance Company, Pacific Guardian Tower, 1440 Kapiolani Boulevard, Suite 1700, Honolulu, HI 96814-3698
Individual Life & Annuity Client Relations (policy changes, beneficiary changes, trust ownership)
Pacific Guardian Life, Attn: Client Relations Department, 1440 Kapiolani Blvd., Suite 1700, Honolulu, HI 96814
Claims Department (individual life and annuity)
Pacific Guardian Life, Attn: Client Relations Department, 1440 Kapiolani Blvd., Suite 1700, Honolulu, HI 96814
For Pacific Guardian Life 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 10 product types, Pacific Guardian 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.
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- There is no online beneficiary self-service - Pacific Guardian Life takes the change on a signed paper form returned by mail, email, or fax
- Submitting the form revokes ALL prior beneficiary designations, so it must list everyone, not just the person being added
- Percentages must total 100% for primary beneficiaries and 100% for contingent beneficiaries
- Consent of Spouse is required if you live in or bought the policy in a community property jurisdiction (AZ, CA, ID, LA, NV, NM, TX, WA, WI, Guam, Puerto Rico), your spouse is living, and your spouse is not the sole primary beneficiary
- Naming a testamentary trust requires the article and paragraph number from the will; the trustee must also show the will was admitted to probate and prove their appointment before proceeds are released
- Minor beneficiaries: name a UTMA custodian and successor custodian on the form. The form states UTMA is not available in VT or SC
- Trust-owned policy: signatures of all required trustees, each followed by "Trustee"
- Corporate-owned policy: signature and title of one officer other than the insured, plus corporate seal, board resolution, or certification of corporate records
- Estate-owned policy: signature of the court-appointed representative with a copy of the appointing court documents
- The Diamond Head MYGA uses its own beneficiary forms, not the individual life form
- All beneficiary designations are subject to approval by the corporate office
Sources
Data sourced from Pacific Guardian Life primary sources (28 pages reviewed). How we research.
Download these Pacific Guardian Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Pacific Guardian Life primary sources. Bring it to the branch or keep it beside the phone.
Pacific Guardian Life - Main Office
Pacific Guardian Life Insurance Company, Pacific Guardian Tower, 1440 Kapiolani Boulevard, Suite 1700, Honolulu, HI 96814-3698
Individual Life & Annuity Client Relations (policy changes, beneficiary changes, trust ownership)
Pacific Guardian Life, Attn: Client Relations Department, 1440 Kapiolani Blvd., Suite 1700, Honolulu, HI 96814
Claims Department (individual life and annuity)
Pacific Guardian Life, Attn: Client Relations Department, 1440 Kapiolani Blvd., Suite 1700, Honolulu, HI 96814
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