Estate planning options at Progressive Life
For Progressive 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.
The transfer rules at Progressive Life vary across 5 policies. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
What Progressive Life says about beneficiaries
Each section is Progressive Life's own statement, with the document it comes from numbered under Sources.
What a designation takes to be effective
- All accounts
Only the policyholder can initiate a beneficiary update.1
Accounts handled elsewhere1
- eFinancial Customer Service
Payment-information updates; other policy changes go through the issuing company1
Phone: 1-800-482-6616
Not in Progressive Life's published guidance2
- What the owner provides to name a beneficiary
- Channel for a beneficiary change
Sources1
Sources
Data sourced from Progressive Life primary sources (7 pages reviewed). How we research.
Download these Progressive Life instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Progressive Life primary sources. Bring it to the branch or keep it beside the phone.
Progressive Life estate support
Progressive Life by eFinancial
Phone
Final expense quotes (licensed representative)
eFinancial Customer Service
Website
Estate requests go through general customer service.
Estate planning articles
Learn how to protect your Progressive Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreForms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Revocable Living Trust
Create a revocable living trust to avoid probate, protect privacy, and control asset distribution.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
Do I Need a Revocable Trust?
Find out if a revocable trust makes sense based on your state, estate value, and family situation.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
What Does Estate Planning Actually Cost?
Compare costs across estate planning providers including online services and attorneys.
How Much Life Insurance Do I Need?
Calculate your life insurance needs based on income, debts, and family situation.
