How to name beneficiaries and fund a trust at SBLI
Covers 4 insurance accounts — beneficiaries can be managed online
SBLI Customer Service
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
New Sales Inquiries
WebsiteLearn more→
SBLI Customer Service
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
New Sales Inquiries
WebsiteLearn more→
SBLI Claims
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
WebsiteNotify online→
Verified May 2026
Estate planning with SBLI 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.
The transfer rules at SBLI vary across 4 policies. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
SBLI Term Life InsuranceSBLI Whole Life InsuranceSBLI Living Legacy Final Expense InsuranceSBLI Simple Term Life Insurance
1
Log in to the SBLI Customer Hub at my.sbli.com
2
Navigate to the beneficiary change section and complete the Ownership and/or Beneficiary Change Request form (Form K-109CT)
3
Provide beneficiary details:
- Full legal name of each beneficiary
- Address of each beneficiary
- Date of birth (mandatory if the beneficiary is a minor)
- Relationship to the insured
- Allocation percentages if naming multiple beneficiaries
4
Upload proof of identity (copy of driver's license, Medicare card, or other government-issued ID)
5
Sign and submit the form electronically
6
SBLI will process the change and return an acknowledged copy for your records
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Proof of identity (copy of driver's license, Medicare card, or other government-issued ID) is required with every beneficiary change request
- If an irrevocable beneficiary was previously named, that individual must consent in writing to the change
- A trust can be named as beneficiary by providing the trust name, date of trust, and trustee name on the beneficiary designation form
SBLI Customer Service
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
New Sales Inquiries
WebsiteLearn more→
SBLI Customer Service
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
New Sales Inquiries
WebsiteLearn more→
SBLI Claims
Phone1-800-694-7254
Fax1-781-994-4240
Mailing Address
SBLI, P.O. Box 55249, Boston, MA 02205-5249
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your SBLI accounts and other assets with trusts, beneficiary designations, and estate planning documents.
