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During this time, callers to the TruStage Customer Care Center may experience longer hold times. If you do not find the options you need to complete your transaction online, please send us a message for assistance.

If you were impacted by the hurricane in Florida, call us to learn about your options.

Beneficiary Overview

Need more information on what beneficiaries are and why they're important? Click the Beneficiary Overview link.
Beneficiary Overview
  • You can name any person, estate*, trust**, or organization (like a charity) as a beneficiary, but you can’t name yourself as a beneficiary.

    Those who rely on you for support will likely be your first choice. When you fill out your policy forms, it’s important you do so carefully so no one can question your beneficiaries’ identity.

    • * “Estate” simply refers to everything you own. This includes physical things like real estate and collectibles, and nonphysical things like stocks and other investments. If you name your estate as your beneficiary, your policy payout will be added to the list of things you own and given out according to instructions you've left behind.

       

    • ** A trust is a legal relationship where you select a person or people to manage your estate according to your instructions. The trust owns your life insurance policy. When you die, the trust collects the payout, pays estate taxes and other expenses that may be due, and pays out money to your beneficiaries—again, based on your instructions. Naming a trust as a beneficiary can give you more control over how payments are given out, reduce estate taxes, help you avoid delays and legal fees, help beneficiaries avoid income and estate taxes, and more.

    How to review and update beneficiary information for your policy in your online service account:

    • Select the ‘My Account’ menu at the top of our website.
    • Select  'Account Overview.
    • View the Beneficiary Details section for your current beneficiary information.
    • To make a change select the button to view your update options.
    Please note, if you make beneficiary updates online, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary.
  • The policies attached to your online service account will be listed under the 'Welcome' greeting and can be identified by the policy type such as Term Insurance, Whole Life Insurance, Accidental Death and Dismemberment, Zone Income Annuity and Horizon Variable Annuity.

    When you have more than one policy on your account, the first policy listed will automatically display. To display a different policy, select the policy type for that policy.

    There are a few reasons why a policy may not display. In some cases, this may be because you have a type of policy we don't service online. This includes:

    • Universal Life
    • Supplemental Health
    • Disability Income

    In other cases, it may be because you purchased a policy AFTER you created your online service account. If this is the case, you may be able to find your policy by:

    • Signing-in to your online service account
    • Select My Account
    • Select Account Overview
    • Select Find Another Policy

    After completing these steps, we can see if other policies can be found using information from your online service account. In other cases, you may not see your policy because it is not active. If you need help with a policy you own but can't access in your online service account, please call us.

  • How to view and update beneficiary information for your policy in your online service account: 

    • Select the ‘My Account’ menu at the top of our website. 
    • Select 'Account Overview’.  
    • View the Beneficiary Details section for your current beneficiary information.
    • To make a change select the button to view your update options.
    Please note, if you make beneficiary updates, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary. If you need help with beneficiaries, select the Chat icon when signed into your online account (chat availability varies) or give us a call.
  • Yes. When adding a new beneficiary to an existing policy, you’ll need to list ALL the beneficiaries you want on the policy when you update your policy online or create your online service account.

    How to review and update beneficiary information for your policy in your online service account:

    • Select the ‘My Account’ menu at the top of our website, then select  'Account Overview.
    • View the Beneficiary Details section for your current beneficiary information.
    • To make a change select the button to view your update options.

    Please note, we'll email you to confirm we’ve received any updates. Once reviewed, approved, and recorded by us, your updates will show up online.

    Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary.

  • Some states don’t allow a funeral home to be named as a beneficiary, so check with your attorney for restrictions.
    If it is allowed by your state, know that if a funeral home is listed as your only beneficiary, it's under no obligation to give any remaining payments to your family or estate.

     

  • You don’t have to, but it can’t hurt. Contingent beneficiaries work as backups: they will only receive the payments if none of your primary beneficiaries are alive at the time of your death.
  • Naming a trust your beneficiary is simple.
    • Select the ‘My Account’ menu at the top of our website.
    • Select 'Account Overview’.
    • While viewing your current beneficiaries, select the button to view your update options.
    • Select 'Update Beneficiaries Online'.  
    • From the 'My beneficiary is...' drop-down menu, select 'A Trust'.
    • Complete the steps and wait for final confirmation from us.
    • If the trust will be established as part of your Will, when asked to provide the trust’s name in the form, you’ll want to identify it as the “Trust established under the Last Will and Testament of (your name),” dated (date of Will).
    Please note, we'll send an email to the address in your online service account to confirm we’ve received your beneficiary update. Once reviewed, approved, and recorded by us, your beneficiary update will show in your online service account.
  • We will mail you a confirmation once your beneficiary changes have been approved and updated on your policy. When you receive this confirmation, please keep it with your policy as a record of receipt.

    Also, once approved, you can view the update in your online service account. 
    • Select the ‘My Account’ menu at the top of our website.
    • Select ‘Account Overview’.
    • View the Beneficiary Details section for your current beneficiary information.

    Please remember it takes time for us to approve beneficiary changes and to process and mail your confirmation.

     
  • Primary beneficiaries are the first in line to receive the payments—usually your spouse, children, or other family members. In case your primary beneficiaries die before you, you can name backups, called contingent beneficiaries. If all your primary beneficiaries are no longer living when you die, your contingent beneficiaries will receive the payments.

Updating Beneficiaries FAQs

To view and update your current beneficiaries, click the Policy Summary link.
Policy Summary
  • How to view and update beneficiary information for your policy in your online service account: 

    • Select the ‘My Account’ menu at the top of our website. 
    • Select 'Account Overview’.  
    • View the Beneficiary Details section for your current beneficiary information.
    • To make a change select the button to view your update options.
    Please note, if you make beneficiary updates, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary. If you need help with beneficiaries, select the Chat icon when signed into your online account (chat availability varies) or give us a call.
  • If you just updated your beneficiaries in your online service account, you may not see the update in your online account right away. But we’ll send an email to the address in your online account confirming we’ve received your request.

    After you submit your beneficiary update, you can use the link at the top of the confirmation page to print a copy of your beneficiary update request. We’ll also mail this information to the address in your online account.

    Once your beneficiary update is reviewed, approved, and recorded by us, it will show up in your online account.

  • To review your policy information:
    • Select the ‘My Account’ menu at the top of our website.
    • Select 'Account Overview’.

    If you don't see your policy, it may be because you have a type of policy we don't service online. *Please note: Not all policies allow beneficiaries to be updated online.

    In some cases, you may have purchased a policy AFTER you created your online service account. If so, you would need to go to 'Account Overview' and select 'Find Another Policy' to see if other policies can be found using information from your online account. In other cases, you may not see your policy because it is not active.

    If you need help with your policy, select the Chat icon when signed into your online account (chat availability varies) or give us a call.  

  • Primary beneficiaries are the first in line to receive the payments—usually your spouse, children, or other family members. In case your primary beneficiaries die before you, you can name backups, called contingent beneficiaries. If all your primary beneficiaries are no longer living when you die, your contingent beneficiaries will receive the payments.

  • You can name any person, estate*, trust**, or organization (like a charity) as a beneficiary, but you can’t name yourself as a beneficiary.

    Those who rely on you for support will likely be your first choice. When you fill out your policy forms, it’s important you do so carefully so no one can question your beneficiaries’ identity.

    • * “Estate” simply refers to everything you own. This includes physical things like real estate and collectibles, and nonphysical things like stocks and other investments. If you name your estate as your beneficiary, your policy payout will be added to the list of things you own and given out according to instructions you've left behind.

       

    • ** A trust is a legal relationship where you select a person or people to manage your estate according to your instructions. The trust owns your life insurance policy. When you die, the trust collects the payout, pays estate taxes and other expenses that may be due, and pays out money to your beneficiaries—again, based on your instructions. Naming a trust as a beneficiary can give you more control over how payments are given out, reduce estate taxes, help you avoid delays and legal fees, help beneficiaries avoid income and estate taxes, and more.

    How to review and update beneficiary information for your policy in your online service account:

    • Select the ‘My Account’ menu at the top of our website.
    • Select  'Account Overview.
    • View the Beneficiary Details section for your current beneficiary information.
    • To make a change select the button to view your update options.
    Please note, if you make beneficiary updates online, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary.
  • We will mail you a confirmation once your beneficiary changes have been approved and updated on your policy. When you receive this confirmation, please keep it with your policy as a record of receipt.

    Also, once approved, you can view the update in your online service account. 

    • Select the ‘My Account’ menu at the top of our website.
    • Select 'Account Overview.
    • View the Beneficiary Details section for your current beneficiary information.

    Please remember it takes time for us to approve beneficiary changes and to process and mail your confirmation.

     
  • Your update goes into effect once it’s approved and recorded by us. After it’s recorded, it will take effect from the day you signed the update. So, if you signed the update on January 3rd and we record it on January 27th, your update is effective as of the 3rd.   
     

Beneficiary Settlement and Claims FAQs

For helpful FAQs about filing and managing Life, Annuity or Accidental Death and Dismemberment (AD&D) claims, click the Claims Information FAQs link..
Claims Information FAQs
  • To review your policy information:

    • Select the ‘My Account’ menu at the top of our website.
    • Select 'Account Overview'.

    If you don't see your policy, it may be because you have a type of policy we don't service online. *Please note: Not all policies allow beneficiaries to be updated online.

    In some cases, you may have purchased a policy AFTER you created your online service account. If so, you would need to go to 'Account Overview' and select 'Find Another Policy' to see if other policies can be found using information from your online account.

    In other cases, you may not see your policy because it is not active. If you need help with your policy, select the Chat icon when signed into your online account (chat availability varies) or give us a call.

     
  • In these cases, the payments will be paid out according to the instructions you’ve stated in your policy/contract.

    If instructions are not stated in the policy/contract, the payments will be paid out to your estate*.

    *“Estate” simply refers to everything you own. This includes physical things like real estate and collectibles, and nonphysical things like stocks and other investments. If you name your estate as your beneficiary, your policy payout will be added to the list of things you own and given out according to instructions you've left behind.

     
  • Naming minor beneficiaries is a good time to involve your own personal or legal advisors. Your advisors can show you how trusts or laws such as Uniform Transfer to Minors Acts can help you provide for minor beneficiaries.

    If you die while your primary beneficiaries are still minors, the money may be given to a representative appointed by the court to hold on the minor's behalf. The court will likely choose the minor’s closest living family to be the representative, but they could pick someone else. The representative’s ability to use the payments may or may not be limited by the court, and their actions may not match your wishes for the payments.

  • Primary beneficiaries are the first in line to receive the payments—usually your spouse, children, or other family members. In case your primary beneficiaries die before you, you can name backups, called contingent beneficiaries. If all your primary beneficiaries are no longer living when you die, your contingent beneficiaries will receive the payments.

  • Primary beneficiaries are the first in line to receive the payments—usually your spouse, children, or other family members. In case your primary beneficiaries die before you, you can name backups, called contingent beneficiaries. If all your primary beneficiaries are no longer living when you die, your contingent beneficiaries will receive the payments.

  • A disinterested witness is an adult who isn’t the owner, insured, or beneficiary of the policy.

    In Massachusetts, a disinterested witness is required by law to witness you signing the form, and then sign it themselves.

  • This is someone who cannot be removed from your policy unless they agree to be removed. You also can’t cancel the policy unless they agree. Since this gives the beneficiary a lot of power, work with your personal advisors to get comfortable with the need to name an irrevocable beneficiary before naming one. 

    To make an irrevocable beneficiary designation, please mark this on the 'Change of Beneficiary Request Form'. Please mail or fax to the address or fax number listed on the bottom of the last page of the form.

     
  • Pronounced “per-stir-peas," this term means that if one of your named beneficiaries isn’t living at the time of your death, their share of your policy payout will pass to their children.

    If you wish to designate a beneficiary as per stirpes, please mark this on the 'Change of Beneficiary Request Form'. Please mail or fax to the address or fax number listed on the bottom of the last page of the form.