How to name beneficiaries and fund a trust at Securian Financial
Covers 13 insurance accounts — beneficiaries can be managed online
Phone1-833-810-8260
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteLearn more→
Phone1-833-810-8260
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteLearn more→
Life and AD&D Claims
Phone651-665-3529
Toll-Free1-800-641-4611
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteNotify online→
Verified Jul 2026
Estate planning with Securian Financial 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.
Securian Financial has 13 product types, and the estate transfer rules differ across them. Some support beneficiary designations, some can be retitled into a trust, and others will require probate if nothing is set up. Each is covered below.
Term Life InsuranceWhole Life InsuranceUniversal Life InsuranceIndexed Universal Life (IUL) InsuranceVariable Universal Life (VUL) InsuranceSurvivorship Life InsuranceGroup Life InsuranceGroup Accidental Death & DismembermentFixed Deferred AnnuityFixed Indexed Deferred AnnuityVariable Deferred AnnuityRegistered Index-Linked AnnuityImmediate Annuity
1
Log in to your Securian Financial My Account at service.securian.com
2
Navigate to your policy or annuity contract details and select the beneficiary management option
3
Update primary beneficiaries:
- Provide full legal names, dates of birth, Social Security numbers, and relationships
- Assign percentage allocations totaling 100%
4
Add contingent beneficiaries if desired:
- Provide the same identifying information as primary beneficiaries
- Assign their own percentage allocations totaling 100%
5
For trusts: provide the full legal trust name, date established, and tax ID number (EIN)
6
Review and confirm your beneficiary designations
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Trusts, individuals, charities, and estates can all be named as beneficiaries
- Primary and contingent beneficiaries allowed with percentage allocations totaling 100%
- Provide full legal name, relationship, mailing address, email, phone, date of birth, and Social Security number for each beneficiary
- Some states require spousal consent to name a non-spouse beneficiary
- Completing the Beneficiary Change Request form revokes all prior beneficiary designations
- Group life beneficiary changes may require coordination with employer HR department
- Irrevocable beneficiary designations or transferred policy ownership may restrict changes without beneficiary consent
- A special needs trust can be named as beneficiary to provide for a dependent without affecting their government assistance eligibility
Sources
Data sourced from Securian Financial primary sources (16 pages reviewed). How we research.
Download these Securian Financial instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Securian Financial primary sources. Bring it to the branch or keep it beside the phone.
Phone1-833-810-8260
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteLearn more→
Phone1-833-810-8260
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteLearn more→
Life and AD&D Claims
Phone651-665-3529
Toll-Free1-800-641-4611
Mailing Address
Securian Financial, PO Box 64114, St. Paul, MN 55164-0114
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Securian Financial accounts and other assets with trusts, beneficiary designations, and estate planning documents.
