How to name beneficiaries and fund a trust at State Farm
Covers 13 insurance accounts — beneficiaries can be managed online
Phone1-800-782-8332
Mailing Address
State Farm, P.O. Box 2362, Bloomington, IL 61710
WebsiteLearn more→
Phone1-800-782-8332
Mailing Address
State Farm, P.O. Box 2362, Bloomington, IL 61710
WebsiteLearn more→
Life Insurance Claims
Phone1-877-292-0398
Toll-Free1-877-292-0398
Fax(844) 898-5672
Mailing Address
State Farm Life Insurance Company, Life Claims, P.O. Box 2364, Bloomington, IL 61702-2364
Verified May 2026
For State Farm 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.
With 13 product types, State Farm offers a range of transfer options. Some policies support beneficiary designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
State Farm Term Life InsuranceState Farm Whole Life InsuranceState Farm Limited Pay Whole Life InsuranceState Farm Single Premium Life InsuranceState Farm Universal Life InsuranceState Farm Survivorship Universal Life InsuranceState Farm Joint Universal Life InsuranceState Farm Variable Universal Life InsuranceState Farm Guaranteed Issue Final Expense Life InsuranceState Farm Guaranteed Issue Whole Life Insurance (New York)State Farm Future Income PlusState Farm Guaranteed Income NowState Farm Guaranteed Income Later
1
Log in and navigate to your policy:
- Log in to your State Farm account at statefarm.com
- Locate and click on the life insurance or annuity policy you want to update
- Find the Beneficiaries card on the policy details page
- Select "View or edit your beneficiaries"
- Agree to the Terms and Conditions
2
Update beneficiary designations:
- Choose whether to edit primary or secondary (contingent) beneficiaries
- Add, edit, or remove individual beneficiaries with relationship type designation
- Adjust percentage allocations as needed (must total 100%)
3
Review and submit:
- Review changes on the life beneficiary form
- Sign electronically via DocuSign and submit
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Only the authenticated policy owner can change a beneficiary
- Online beneficiary changes are currently available for Guaranteed Income Now annuity, Guaranteed Income Later annuity, and Guaranteed Issue Final Expense life insurance policies
- Online changes support individual beneficiaries only; trusts, organizations, Children Class, and UTMA/UGMA designations require agent assistance
- Online beneficiary changes are not available for New York policies
- A primary beneficiary is required; secondary (contingent) beneficiary is optional
- You cannot name the same person as both a primary and contingent beneficiary
- If an estate is listed as the primary beneficiary, a secondary beneficiary is not allowed
- Per stirpes designations are available
- Spousal consent may be required in community property states
- Beneficiary designations override instructions in a will
Phone1-800-782-8332
Mailing Address
State Farm, P.O. Box 2362, Bloomington, IL 61710
WebsiteLearn more→
Phone1-800-782-8332
Mailing Address
State Farm, P.O. Box 2362, Bloomington, IL 61710
WebsiteLearn more→
Life Insurance Claims
Phone1-877-292-0398
Toll-Free1-877-292-0398
Fax(844) 898-5672
Mailing Address
State Farm Life Insurance Company, Life Claims, P.O. Box 2364, Bloomington, IL 61702-2364
Verified May 2026
Estate planning articles
Learn how to protect your State Farm accounts and other assets with trusts, beneficiary designations, and estate planning documents.
