How to name beneficiaries and fund a trust at Trustmark Voluntary Benefits
Beneficiaries are managed by phone or by mail. Trust paperwork is taken by phone or by mail
Estate planning with Trustmark Voluntary Benefits 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 Trustmark Voluntary Benefits vary across 7 policies. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
Beneficiary form at Trustmark Voluntary Benefits
Beneficiary Designation Form (P684-19) and Trust Beneficiary Designation Form (A112-2520).
Open the form →- Available Monday through Friday, 7:00 AM to 6:00 PM CT
- For New York Universal Life policies, call 1-866-949-6036 (Monday through Friday, 7:00 AM to 4:00 PM CT)
- To name a person: Beneficiary Designation Form P684-19
- To name a trust: Trust Beneficiary Designation Form A112-2520
- Both forms are listed in the forms library
- On P684-19: the insured's name and the last 4 digits of the insured's Social Security number, the policy owner, and the policy/certificate number
- For each beneficiary on P684-19: name, primary or contingent, percentage of proceeds, relationship to the insured, date of birth, address, phone, and Social Security number
- Primary percentages must add up to 100%, and contingent percentages must also add up to 100%
- On A112-2520: the insured's name, policy/certificate number, owner, and the owner's Social Security number, then the trustee name, the date of the trust agreement, and the trust name
- A spouse signature is required in the community property states AZ, CA, ID, LA, NV, NM, TX, WA and WI (both forms)
- P684-19 also requires a witness signature in Massachusetts; the witness must be over 18 and cannot be the beneficiary
- Mail to Trustmark, PO Box 7937, Lake Forest, IL 60045-7937
- Or fax to 847-615-4943, or email CustomerCare@trustmarkbenefits.com; Trustmark encourages encrypted email for sensitive information
Required Documents
- Insured's name, the policy owner and the policy or certificate number (on either form)
- Last 4 digits of the insured's Social Security number (on Beneficiary Designation Form P684-19)
- Each beneficiary's name and relationship to the insured (on Beneficiary Designation Form P684-19)
- Each beneficiary's date of birth, address, phone and Social Security number (on Beneficiary Designation Form P684-19)
- Each beneficiary's percentage of proceeds, as primary or contingent (on Beneficiary Designation Form P684-19)
- Owner's Social Security number (on Trust Beneficiary Designation Form A112-2520)
- Trustee name, the date of the trust agreement and the trust name (to name a trust)
What Trustmark Voluntary Benefits says about beneficiaries and trusts
Each section is Trustmark Voluntary Benefits's own statement, with the document it comes from numbered under Sources.
Who can be named1
- A trust
A trust can be named on a separate form, Trust Beneficiary Designation Form A112-2520, not P684-19. The designation runs to the trustee "or its successors in trust" under the trust agreement of the stated date.1
If the trust is terminated, the proceeds go to the insured's estate. Trustmark "assumes no responsibility for carrying out the terms of the trust," and payment to the trustees, or the insured's estate where applicable, discharges the company.1
How many beneficiaries, and how shares are split
- All accounts
Each beneficiary is named primary or contingent with a percentage of the proceeds. Primary percentages must add up to 100%, and contingent percentages must also add up to 100%.2
What a designation takes to be effective
Beneficiary forms Trustmark Voluntary Benefits issues2
- Beneficiary Designation Form (P684-19)
Available to download.2
Return to
Email: CustomerCare@trustmarkbenefits.com
Fax: 1-847-615-4943
Mailing address: Trustmark, PO Box 7937, Lake Forest, IL 60045-7937
- Trust Beneficiary Designation Form (A112-2520)
Available to download.1
Return to
Email: CustomerCare@trustmarkbenefits.com
Fax: 1-847-615-4943
Mailing address: Trustmark, PO Box 7937, Lake Forest, IL 60045-7937
What Trustmark Voluntary Benefits's agreement says about beneficiaries2
- When a designation takes effect
A change on P684-19 is binding on Trustmark only when received at its home office and approved. Once approved, it takes effect as of the date the policy owner signed it.2
- Changing or revoking a designation
Trust Beneficiary Designation Form A112-2520 revokes all prior beneficiary designations on the policy.1
State requirements Trustmark Voluntary Benefits statesMassachusetts
- Massachusetts
In Massachusetts, Beneficiary Designation Form P684-19 requires a witness signature. The witness must be over 18 and cannot be the beneficiary.2
Trust account forms Trustmark Voluntary Benefits issues2
- Trust Beneficiary Designation Form (A112-2520)
Available to download.1
Return to
Email: CustomerCare@trustmarkbenefits.com
Fax: 1-847-615-4943
Mailing address: Trustmark, PO Box 7937, Lake Forest, IL 60045-7937
- Change of Ownership Form (P684-4)
Available to download.3
Not in Trustmark Voluntary Benefits's published guidance1
- A trust as new owner on the ownership form
Sources
Data sourced from Trustmark Voluntary Benefits primary sources (16 pages reviewed). How we research.
Download these Trustmark Voluntary Benefits instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Trustmark Voluntary Benefits primary sources. Bring it to the branch or keep it beside the phone.
Trustmark Voluntary Benefits estate support
Customer Care (trust beneficiary designations, form A112-2520)
Phone
Fax
Mailing address
Website
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