How to name beneficiaries and fund a trust at Pan-American Life
Covers 9 insurance accounts — beneficiaries can be updated by phone
Policyowner Services (Pan-American Life division)
Phone800-323-7320
Mailing Address
Pan-American Life Insurance Company, P.O. Box 9060, Oak Brook, IL 60522-9807
Policyowner Services
Headquarters (601 Poydras Street, New Orleans, LA 70130)
Accident & Health Division
Pan-American Private Client
WebsiteLearn more→
Empathy -- bereavement support for beneficiaries of U.S. policies (provided at no cost)
Phone800-323-7320
WebsiteLearn more→
Life Claims
Phone800-323-7320
EmailLifeclaims@palig.com
Mailing Address
Pan-American Life Insurance Company, P.O. Box 9060, Oak Brook, IL 60522-9807
Accident & Health Claims
WebsiteNotify online→
Verified Jul 2026
Estate planning with Pan-American Life policies centers on beneficiary designations—the single most important step for ensuring life insurance proceeds and annuity benefits reach the intended recipients without probate involvement. Unlike bank or brokerage accounts, insurance products are not retitled into trusts; instead, trusts are named as beneficiaries when estate tax planning or controlled distributions are needed.
Pan-American Life has 9 policies with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
Horizon Legacy Single Premium Whole LifeHorizon Value Whole LifeHorizon Guarantee Whole LifeMTL Non-Par Whole LifeSelecTerm Term Life InsuranceVista Life Indexed Universal LifePan-American Life Accident InsurancePan-American Life Health InsurancePan-American Life Medicare Supplement
1
Call Pan-American Life Policyowner Services at 800-323-7320 (Monday-Friday, 8:00am-5:00pm CT), or email LifePolicyownerServices@palig.com to open the request
2
Give your policy number and identify yourself as the policyowner. Only the policyowner can change a beneficiary designation.
3
Ask Policyowner Services to send the change of beneficiary form for your policy. Pan-American Life does not post this form as a public download, so it is issued on request.
4
Complete, sign, date, and return the form; a beneficiary change is not effective until Pan-American Life records it
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes are a paper process. The Online Policy Manager does not offer beneficiary self-service -- its published services are premium payment, loan repayment, and in-force illustration requests.
- The change of beneficiary form is not published as a public download; request it from Policyowner Services at 800-323-7320 or LifePolicyownerServices@palig.com
- Beneficiary designations override instructions in a will
- Multiple primary and contingent beneficiaries can be designated, with percentage allocations totaling 100% for each tier
- Only the policyowner can change beneficiary designations
- Children under 18 cannot receive benefits directly; name a custodian or a trust instead
- Online premium payment is not available for Vista Life indexed universal life policies
Sources
Data sourced from Pan-American Life primary sources (17 pages reviewed). How we research.
Download these Pan-American Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Pan-American Life primary sources. Bring it to the branch or keep it beside the phone.
Policyowner Services (Pan-American Life division)
Phone800-323-7320
Mailing Address
Pan-American Life Insurance Company, P.O. Box 9060, Oak Brook, IL 60522-9807
Policyowner Services
Headquarters (601 Poydras Street, New Orleans, LA 70130)
Accident & Health Division
Pan-American Private Client
WebsiteLearn more→
Empathy -- bereavement support for beneficiaries of U.S. policies (provided at no cost)
Phone800-323-7320
WebsiteLearn more→
Life Claims
Phone800-323-7320
EmailLifeclaims@palig.com
Mailing Address
Pan-American Life Insurance Company, P.O. Box 9060, Oak Brook, IL 60522-9807
Accident & Health Claims
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Pan-American Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
