Estate planning at USAA Life
How to protect 7 USAA Life accounts — manage beneficiaries online, fund a trust by mail, and file death claims
USAA Member Services
Phone1-800-531-8722
Mailing Address
USAA, 9800 Fredericksburg Road, San Antonio, TX 78288
WebsiteLearn more→
USAA Member Services
Phone1-800-531-8722
Mailing Address
USAA, 9800 Fredericksburg Road, San Antonio, TX 78288
WebsiteLearn more→
Life Insurance Claims
Phone1-800-531-8455
Toll-Free1-800-531-8455
Fax1-877-435-7099
Mailing Address
USAA Life Insurance Company, 9800 Fredericksburg Road, San Antonio, TX 78288
Survivor Relations
Bank Survivor Relations
Alternative fax (San Antonio / international)
Verified Jul 2026
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.
Beneficiary changes at USAA Life can be made online, by mail, and by phone. Accounts can also be linked to trusts through beneficiary designations to keep them out of probate entirely.
USAA Life has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 7 account types at USAA Life.
View details →When someone dies
Death claim process
3-step process, 8 required documents, and contact information for survivors.
View details →Frequently asked questions
Log in to your USAA account at usaa.com or the USAA Mobile App and navigate to your life insurance policy to manage beneficiaries online. You can also download USAA Life's Beneficiary Designation form (MLL400ST) at https://static.usaa.com/content/dam/digital/documents/pdf/life/lfco-lf-ann-change-bene.pdf and submit it by mail to USAA Life Insurance Company, 9800 Fredericksburg Road, San Antonio, TX 78288, fax it to 877-435-7099, or upload it through usaa.com. You can also call 800-531-8455 for assistance. Each beneficiary requires a full legal name, Social Security number (or Tax ID for a trust), date of birth (or date of trust), relationship, and percentage allocation totaling 100%. The form states an irrevocable beneficiary has a vested interest that cannot be cancelled without their written consent, and it carries a separate signature line for the irrevocable beneficiary and for a witness who is not a named beneficiary.
USAA membership and life insurance eligibility extends to active-duty military personnel (all branches), veterans with an honorable discharge, cadets and midshipmen at U.S. military academies, and eligible family members (spouses, children, and in some cases widows and widowers of USAA members). USAA offers term life (10-30 year terms up to $10 million), simplified whole life (up to $10 million), guaranteed issue whole life ($2,000-$25,000 through Mutual of Omaha, no medical exam required), and universal life insurance (Protection Universal Life, Protection Indexed Universal Life, and Accumulation Indexed Universal Life issued by John Hancock). Annuity products include the Protected Deferred Annuity, Fixed Indexed Annuity, and Protected Retirement Income Annuity. In New York, policies are issued by USAA Life Insurance Company of New York. Call 800-531-8722 to apply for membership.
Sources
Data sourced from USAA Life primary sources (19 pages reviewed). How we research.
USAA Member Services
Phone1-800-531-8722
Mailing Address
USAA, 9800 Fredericksburg Road, San Antonio, TX 78288
WebsiteLearn more→
USAA Member Services
Phone1-800-531-8722
Mailing Address
USAA, 9800 Fredericksburg Road, San Antonio, TX 78288
WebsiteLearn more→
Life Insurance Claims
Phone1-800-531-8455
Toll-Free1-800-531-8455
Fax1-877-435-7099
Mailing Address
USAA Life Insurance Company, 9800 Fredericksburg Road, San Antonio, TX 78288
Survivor Relations
Bank Survivor Relations
Alternative fax (San Antonio / international)
Verified Jul 2026
Estate planning articles
Learn how to protect your USAA Life accounts and other assets with trusts, beneficiary designations, and estate planning documents.
