How to name beneficiaries and fund a trust at Sentinel Security Life
Covers 13 insurance accounts — beneficiaries can be updated by phone
Sentinel Security Life Customer Service
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
WebsiteLearn more→
Sentinel Security Life Customer Service
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
WebsiteLearn more→
Claims Department
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, Life & Health: PO Box 64453, St Paul, MN 55164-0453; Annuities: PO Box 64435, St Paul, MN 55164-0435
Verified May 2026
Beneficiary designations are the foundation of estate planning for Sentinel Security Life policies. Unlike bank accounts, insurance products cannot be retitled into a trust. Instead, the beneficiary designation itself determines who receives the proceeds and how quickly they're paid. Naming a trust as beneficiary is an option when more control over distributions is needed.
Sentinel Security Life has 13 policies with different estate transfer rules. Here is how beneficiary designations, trust ownership, and probate apply to each one.
New Vantage I Final Expense Whole LifeNew Vantage II Final Expense Whole LifeNew Vantage III Guaranteed Issue Whole LifeHospital Indemnity InsurancePersonal Choice Annuity 3-YearPersonal Choice Annuity 5-YearPersonal Choice Annuity 7-YearPersonal Choice Annuity 10-YearPersonal Choice Plus+ Fixed Indexed AnnuityAccumulation Protector Plus Fixed Indexed AnnuityRetirement Plus Multiplier Fixed Indexed AnnuitySummit Bonus Index Fixed Indexed AnnuityGuaranteed Income Annuity
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Call Sentinel Security Life at (800) 247-1423
2
Request a Change of Beneficiary form be mailed or emailed to you
3
For annuity policy service, you may also email AnnuityPolicyService@illumifin.com
4
For life & health policy service, you may also email LifeAndHealthPolicyService@illumifin.com
5
Complete and return the form by mail
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes require a written form; changes cannot be made by phone alone
- Community property state rules may require spousal consent (AZ, CA, ID, LA, NM, TX, WA, WI)
- Minor children should not be named as primary beneficiary; claim proceeds cannot be paid to minors without a trust or guardianship
- Changing beneficiaries may have significant tax consequences; consult a tax advisor
Sentinel Security Life Customer Service
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
WebsiteLearn more→
Sentinel Security Life Customer Service
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, c/o WeWork - Gateway 6, 460 West 50 North, Suite 05-109, Salt Lake City, UT 84101
WebsiteLearn more→
Claims Department
Phone(800) 247-1423
Mailing Address
Sentinel Security Life Insurance Company, Life & Health: PO Box 64453, St Paul, MN 55164-0453; Annuities: PO Box 64435, St Paul, MN 55164-0435
Verified May 2026
Estate planning articles
Learn how to protect your Sentinel Security Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
