Estate planning and settlement at USAA Life
Name beneficiaries online, fund a trust by mail, and report a death at 1-800-531-8455
USAA Life offers 7 insurance products that play a central role in estate planning. Because policy proceeds pass directly to named beneficiaries—bypassing probate entirely—keeping designations current is one of the highest-impact steps policyholders can take.
USAA Life lets account holders update beneficiary designations online and by mail. Trust funding is also available, allowing families to name a trust as the policy beneficiary or establish an irrevocable life insurance trust (ILIT).
USAA Life has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 7 account types at USAA Life.
Preparing your estate →Death claim process
Report the death to USAA Life's Life and annuity claims at 1-800-531-8455. The page lists the steps and the documents to send.
When someone dies →Frequently asked questions
Update the beneficiary online at usaa.com or in the USAA Mobile App, or complete the Beneficiary Designation form (MLL400ST) and upload it through usaa.com, mail it to USAA Life Insurance Company, 9800 Fredericksburg Road, San Antonio, TX 78288, or fax it to 877-435-7099. Each individual beneficiary needs a name, address, phone number, Social Security number, date of birth, relationship, marital status and citizenship; a trust beneficiary needs the trust name, trust date, trustees, Tax ID and grantor, along with the trust document. Changing an irrevocable beneficiary requires that beneficiary’s written consent, and Massachusetts residents need a witness who is not a named beneficiary.
Sources
Data sourced from USAA Life primary sources (29 pages reviewed). How we research.
USAA Life customer support
USAA main number
Phone
Life insurance specialists
Retirement Income Specialists (annuities)
Mailing address
Website
Estate planning articles
Learn how to protect your USAA Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Forms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Vehicle Transfer on Death
Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
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Find witness, notary, and remote signing requirements for all 50 states.
Will My Estate Documents Transfer?
Check if estate planning documents signed in one state are valid in another.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Much Does a Will Cost?
Compare will costs across providers plus probate costs your heirs will pay.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
