How to name beneficiaries and fund a trust at SILAC
Beneficiaries are managed by mail. Trust paperwork is taken by mail
For SILAC 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.
Each of SILAC's 6 policies has different rules for how it transfers at death. The sections below explain the options for each.
Beneficiary form at SILAC
Request to Change Beneficiary (for annuitys) and Request to Change Beneficiary (California) (for annuitys).
Open the form →- Owner: policy number, name, phone number, and address (no PO boxes)
- Each primary and contingent beneficiary (up to three of each on the form): name, percentage, address, phone number, date of birth, Social Security number, and relationship to the owner
- Primary allocations must total 100%, and contingent allocations must total 100%; allocations need not be equal
- Attach a Supplemental Beneficiary form if more space is needed
- Owner(s) and/or assignee(s) sign (required)
- All irrevocable beneficiaries sign, if any
- In AZ, CA, GU, ID, LA, NV, NM, TX, WA, or WI (community property), the spouse must consent
Required Documents
- Owner's policy number, name, phone number and address. The owner's address cannot be a post office box
- Beneficiary's name and relationship to the owner (for each primary and contingent beneficiary)
- Beneficiary's percentage (for each primary and contingent beneficiary)
- Beneficiary's address and phone number (for each primary and contingent beneficiary)
- Beneficiary's date of birth (for each primary and contingent beneficiary)
- Beneficiary's Social Security number (for each primary and contingent beneficiary)
- Supplemental Beneficiary form (if more space is needed)
- Ownership change: Annuitant-Ownership Service Form
- Ownership change (California): Annuitant-Ownership Service Form (CA)
- Beneficiary designation: Request to Change Beneficiary
- Current owner name(s) and the new owner name (the trust)
- New owner Social Security or taxpayer number, relationship to the annuitant, birth date, phone number, and address
- Submit trust paperwork with the form; the form states that trust paperwork must be submitted when a trust is involved
- Complete a new beneficiary designation for the new owner, as the form directs
- Current owner and any joint owner
- New owner and any joint new owner
- In AZ, CA, GU, ID, LA, NV, NM, TX, WA, or WI (community property), the spouse must consent
Required Documents
- Annuitant-Ownership Service Form, completed (for an ownership change)
- Request to Change Beneficiary form, completed (for the new owner's beneficiary designation)
- Trust paperwork (when a trust is involved in an ownership change)
- Current owner names and the new owner's name (the trust)
- New owner's Social Security or taxpayer number
- New owner's relationship to the annuitant, birth date, phone number and address
What SILAC says about beneficiaries and trusts
Each section is SILAC's own statement, with the document it comes from numbered under Sources.
How many beneficiaries, and how shares are split
What a designation takes to be effective
Beneficiary forms SILAC issues2
- Request to Change Beneficiary
For annuitys. Completed by the owner. Available to download.1
Return to
Mailing address: SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
- Request to Change Beneficiary (California)
For annuitys. Completed by the owner. Available to download.2
Return to
Mailing address: SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
What SILAC's agreement says about beneficiaries2
- Changing or revoking a designation
A form submitted in good order revokes any existing beneficiary designations.1
- Changing the owner of a policy or account
In an ownership change, the current owner unconditionally and irrevocably releases all rights and privileges of ownership of the contract, and the company transfers them to the new owner.3
State requirements SILAC statesArizona, California, GU, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin
- Arizona
In Arizona, the owner's spouse must consent to a beneficiary change.1
- California
In California, the owner's spouse must consent to a beneficiary change.1
A separate California version of the Request to Change Beneficiary form is published.2
- GU
In Guam, the owner's spouse must consent to a beneficiary change.1
- Idaho
In Idaho, the owner's spouse must consent to a beneficiary change.1
- Louisiana
In Louisiana, the owner's spouse must consent to a beneficiary change.1
- Nevada
In Nevada, the owner's spouse must consent to a beneficiary change.1
- New Mexico
In New Mexico, the owner's spouse must consent to a beneficiary change.1
- Texas
In Texas, the owner's spouse must consent to a beneficiary change.1
- Washington
In Washington, the owner's spouse must consent to a beneficiary change.1
- Wisconsin
In Wisconsin, the owner's spouse must consent to a beneficiary change.1
Trust account forms SILAC issues3
- Annuitant-Ownership Service Form
For annuitys. Available to download.3
Return to
Mailing address: SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
- Annuitant-Ownership Service Form (CA)
For annuitys. Available to download.4
Return to
Mailing address: SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
- Request to Change Beneficiary
For annuitys. Available to download.1
Return to
Mailing address: SILAC Insurance Company, PO Box 30245, Salt Lake City, UT 84130-0245
State requirements SILAC statesArizona, California, GU, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, Wisconsin
- Arizona
In Arizona, the owner's spouse must consent to an ownership change.3
- California
In California, the owner's spouse must consent to an ownership change.3
A California version of the Annuitant-Ownership Service Form is published.4
- GU
In Guam, the owner's spouse must consent to an ownership change.3
- Idaho
In Idaho, the owner's spouse must consent to an ownership change.3
- Louisiana
In Louisiana, the owner's spouse must consent to an ownership change.3
- Nevada
In Nevada, the owner's spouse must consent to an ownership change.3
- New Mexico
In New Mexico, the owner's spouse must consent to an ownership change.3
- Texas
In Texas, the owner's spouse must consent to an ownership change.3
- Washington
In Washington, the owner's spouse must consent to an ownership change.3
- Wisconsin
In Wisconsin, the owner's spouse must consent to an ownership change.3
Not in SILAC's published guidance1
- A named trust document for an ownership change
Sources4
- 1.Request to Change Beneficiary, Rev 03.09.23
- 2.Request to Change Beneficiary (California)
- 3.Annuitant-Ownership Service Form, Rev 01.04.22
- 4.Annuitant-Ownership Service Form (CA)
Sources
Data sourced from SILAC primary sources (25 pages reviewed). How we research.
Download these SILAC instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against SILAC primary sources. Bring it to the branch or keep it beside the phone.
SILAC estate support
SILAC Insurance Company (main line)
Phone
Agency Services
New Business
Long Term Care
Medicare Supplement and Life Insurance Service
Hours
Mailing address
Website
Estate requests go through general customer service.
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