{ "title": "Beneficiary Designation and Trust Account Rules at US Financial Institutions", "publisher": "StepUpLaw", "license": "CC BY 4.0", "retrieved_from": "2026-09-24", "retrieved_to": "2026-09-26", "institutions_checked": 546, "rows": [ { "inst_id": "ins-allianz-life", "institution": "Allianz Life Insurance Company of North America", "segment": "insurer", "account_group": "annuity", "account_types": [ "Annuity contracts (fixed, index and variable; form SFAL0012)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "each of the 4 lines can be primary or contingent and can name a trust", "quote": "Select one: Primary Contingent ... Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same line, contingent box", "quote": "Select one: Primary Contingent ... Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, TIN", "quote": "Non-individual beneficiary name (e.g. trust, estate, charity) ... Date of birth/trust date Social Security Number or TIN", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date asked; no trustee name or \"as trustee\" wording required", "quote": "Date of birth/trust date Social Security Number or TIN", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate as named beneficiary", "quote": "Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only for designations without percentages, equal shares to surviving beneficiaries", "quote": "If you do not indicate the allocation percentage you would like each beneficiary to receive, the death benefit will be divided equally among surviving beneficiaries.", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; extra beneficiaries on a signed and dated separate sheet", "quote": "If you have more than 4 beneficiaries, list them on a separate sheet signed and dated by you.", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online account", "quote": "You can also request changes online by logging in at www.allianzlife.com ... Beneficiary changes can be made online. Log in and go to \"Personal Accounts.\"", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "web page", "source_url": "https://www.allianzlife.com/customer-service-frequently-asked-questions", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; email; upload; mail; fax (separate addresses and fax numbers for variable annuities)", "quote": "Email completed forms to the appropriate product area ... You can scan and upload your signed and completed form by logging in to your account at allianzlife.com ... Fax: 763.582.6002 for Fixed Annuities and Life Insurance", "account_type": "Annuity contracts (fixed, index and variable; form SFAL0012)", "page": "4", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-american-equity", "institution": "American Equity Investment Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "American Equity annuity (nonqualified and IRA) beneficiary change" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named (Ownership Change form 014039 beneficiary section)", "quote": "If you name a trust as the beneficiary, submit a copy of the trust for our file along with the Certification of Trust Agreement. ... Trust or Entity Name:", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "1", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line, including a trust, is marked primary or contingent", "quote": "Beneficiary Primary Contingent Share %: Relationship: ... Trust or Entity Name:", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "1", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and TIN", "quote": "All boxes in the following sections must be completed. ... Trust or Entity Name: ... SSN/TIN:", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "1", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust plus American Equity's Certification of Trust Agreement at designation", "quote": "If you name a trust as the beneficiary, submit a copy of the trust for our file along with the Certification of Trust Agreement.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "3", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named", "quote": "Do not designate a beneficiary by relationship or class (Example: my children). Each beneficiary must be specifically named.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "3", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no relationship or class designations; no agent beneficiaries unless close family", "quote": "Do not designate a beneficiary by relationship or class (Example: my children). Each beneficiary must be specifically named. ... We do not allow current or former agents, the agent's spouse, or anyone affiliated with the agent to be the beneficiary of a contract which the agent sold or serviced unless the agent has a close familial relationship with the contract owner.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "3", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's (decedent's) estate", "quote": "If there are no living contingent beneficiaries, we will pay benefits to the owner's estate. ... If you do not designate a new beneficiary or if this designation is ineffective or otherwise not accepted by American Equity before a claim is triggered, proceeds will be paid to the decedent's estate.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "3", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (AZ, CA, ID, LA, NM, NV, TX, WA, WI) or where a community interest exists", "quote": "If you (the new owner) are married and reside in one of the states listed above or a community property interest otherwise exists, your spouse must consent to the beneficiary designation(s) by signing below.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "6", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form (no notary stated); if blank, the insurer assumes the owner is unmarried", "quote": "If you live in one of the states listed above and you do not complete this section, we will assume you are not married and no community property interest exists.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "2", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 lines; Additional Beneficiary Form for more", "quote": "If you wish to name more beneficiaries than can be accommodated on this form, please complete and attach the American Equity Additional Beneficiary Form.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "3", "source_url": "https://media.american-equity.com/Documents/014039.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-04-23", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "beneficiaries can be changed in MyPortal", "quote": "Manage your account online ... Access your account, change beneficiaries, update information and more.", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "web page", "source_url": "https://www.american-equity.com/resources/forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (MyPortal); mail; overnight; fax; email", "quote": "Access your account, change beneficiaries, update information and more. ... P.O. Box 10343, Des Moines, IA 50306-0343 ... Email: service@american-equity.com ... Original form not required - Faxed copies are acceptable", "account_type": "American Equity annuity (nonqualified and IRA) beneficiary change", "page": "1", "source_url": "https://www.american-equity.com/resources/forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ameriprise", "institution": "Ameriprise Financial (Ameriprise Trust Company, custodian)", "segment": "brokerage", "account_group": "annuity", "account_types": [ "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "option E \"Other\"", "quote": "E. Other (Person, Trust, Organization, etc) ... Beneficiary Name Provide full name of Person, Trust, or Organization designated as beneficiary.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary beneficiaries under option E", "quote": "Primary or Secondary Status (Select one) ... Primary Secondary", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date and TIN (Part 3 supplemental information)", "quote": "Trust Date If Trust named (MMDDYYYY) ... Date of Birth/Trust Date (MM/DD/YYYY) Social Security/Tax ID Number", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date required; testamentary trust needs will article and paragraph", "quote": "Trust Date If Trust named (MMDDYYYY)", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "NY company Privileged Assets annuity form 274597 only, certificate of trust or trust pages at designation; form 33032 asks for none", "quote": "If a trust is designated as the beneficiary, please include the Trustee Certificate/Certificate of Trust form (Form 273420) located on riversource.com/forms. As an alternative, we will accept a copy of the trust document pages that state the name, date, trustees, and successor trustees of the trust, and the signature page.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_274597.PDF", "form_number": "", "revision_date": "2026-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "preset family options B and D only", "quote": "B. Spouse, if Living, if not, Children Per Stirpes. ... D. Living Lawful Children with Right of Survivorship Per Stirpes.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased child's share to that child's children", "quote": "if a child of the owner has died before the owner, the share which the child would have received if he or she survived the owner will be paid to his or her children legally born to, or legally adopted by that deceased child, per stirpes.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "preset classes of the owner's lawful children; stepchildren and foster children must be named under option E", "quote": "C. Living Lawful Children, Equally With Rights of Survivorship. Beneficiary is: The living lawful children of the owner and they will receive equal shares of the proceeds", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "option F free text or signed attachment", "quote": "F. Other Text. Use this option only when none of the above options apply or you are unsure of which option to select. ... If an attachment is required to complete the beneficiary designation, make sure the attachment contains the account number, signature date and all appropriate signatures.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "corporate office approval", "quote": "All beneficiary designations are subject to the approval of the corporate office.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian and successor custodian named on the form", "quote": "I hereby request that the proceeds be paid to the custodians listed below under the State ... UTMA (not available in VT or SC). ... Successor Custodian Name", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary who defers the death benefit names own beneficiaries (NY company form 116230; notarized); else beneficiary's estate", "quote": "Please designate a beneficiary in the event of your death prior to distribution. If no beneficiary is provided, the death benefits proceeds will be paid to your estate.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_116230.PDF", "form_number": "DOC0104116230", "revision_date": "2020-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares with survivorship (survivors take a predeceased beneficiary's share)", "quote": "Unless specifically noted on this form, all designations will be considered to be equally and with rights of survivorship.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states, or ERISA 403(b) annuities, if spouse is not sole primary", "quote": "Consent of spouse must be signed if the following conditions are present: (a) Community property state ... (b) For 403(b) plans that are subject to the Employee Retirement Income Security Act (ERISA), your spouse is living and you are NOT designating your spouse as the sole primary beneficiary.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "ERISA 403(b), plan sponsor/administrator or notary witnesses the spouse's signature", "quote": "The spouse's signature must be witnessed by either the Plan Sponsor/Administrator or a Notary Public.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines under option E; attach separate pages", "quote": "If more space is needed, please attach a separate page.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "4", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online (FAQ covers life and annuities)", "quote": "There are three ways to update your beneficiary designation. Naming or changing a beneficiary can be completed: Online in the secure site on ameriprise.com", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; financial advisor; paper form 33032 (NY 38120)", "quote": "Online in the secure site on ameriprise.com ... Contact your financial advisor to fill out a new form that can be sent to you for signature ... Change of Beneficiary - Life and Annuities", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "five business days for forms (FAQ)", "quote": "When you submit a form, your beneficiary designation will be reviewed and acknowledged within five business days.", "account_type": "Annuity (RiverSource Life deferred and annuitized contracts, incl. 403(b) annuities; forms 33032, NY 38120 and 274597)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-athene", "institution": "Athene Annuity and Life Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "Legacy annuity contracts of Athene Annuity & Life Assurance Company (affiliate; form V1220)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named (13977T); \"Individual, Trust or Company Name\" on each line", "quote": "If a Trust is designated as beneficiary please use the following format: The John J. Smith Trust under agreement dated January 1, 2017.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each beneficiary line (including a trust) is marked Primary or Contingent", "quote": "Indicate if each named designation is Primary or Contingent. ... Individual, Trust or Company Name", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and agreement date in the prescribed format; SSN/TIN, address and relationship fields on each line", "quote": "If a Trust is designated as beneficiary please use the following format: The John J. Smith Trust under agreement dated January 1, 2017. ... Social Security / Tax Identification Number", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and \"under agreement dated\" date required; trustee names not asked", "quote": "If a Trust is designated as beneficiary please use the following format: The John J. Smith Trust under agreement dated January 1, 2017.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Athene's own Trust Verification form (16541T, not saved) when a trust is named; the trust instrument is not requested", "quote": "If you are designating a Trust as your beneficiary, signing as a Trustee, or if there have been changes to the Trust, please submit an updated Trust Verification (Form 16541T).", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "naming format for a living trust only; no sub-trust or separate share format", "quote": "The John J. Smith Trust under agreement dated January 1, 2017.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class (e.g. Children) may be named, but the known members must be listed by name and changes reported", "quote": "If you designate a class of beneficiaries (such as Children), list the full names and relationships of the known beneficiaries of that class. Notify us of any changes to that class of beneficiaries.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"Last Will and Testament\" refused as a designation", "quote": "Last Will and Testament\" will not be accepted as a beneficiary designation", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "claim FAQ, a minor beneficiary is paid through a court-appointed guardian or conservator of the minor's estate; no UTMA option on the form", "quote": "If a minor is a beneficiary, please provide the court-approved Letters of Guardianship or Conservatorship of the Minor's Estate.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "web page", "source_url": "https://www.athene.com/support/faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "glossary, contingents take if the primaries die; no share-level rule", "quote": "A primary beneficiary is your first choice to receive proceeds from the policy. Contingent beneficiaries receive proceeds in case the primary beneficiary(ies) dies.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "web page", "source_url": "https://www.athene.com/support/glossary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (9 listed); the owner decides whether spousal signature is needed and indemnifies Athene", "quote": "You as the contract owner should determine whether to obtain your spouse's signature to change the beneficiary of this contract if you live in a Community Property state.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "4", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs section 5 of the form; consent irrevocable unless the owner revokes the designation; no notary", "quote": "By signing this form, I consent to the designation of the beneficiary(ies) listed above. ... My consent is irrevocable unless my spouse revokes the beneficiary designation(s).", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "4", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "8 lines on two pages; copies or signed \"Attachment\" pages allowed", "quote": "If additional space is needed, you may copy this page, mark the checkbox at the bottom of the page and return. You may also use additional blank pages labeled \"Additional Beneficiaries\".", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/13977T.pdf", "form_number": "13977T", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online via My Athene (contracts issued by Athene Annuity and Life Company, formerly Aviva USA); otherwise paper form", "quote": "My Athene users can change a beneficiary online. A completed paper form is required for any other beneficiary change.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "web page", "source_url": "https://www.athene.com/support/faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (My Athene); paper form to the Home Office (mail); must arrive within 60 days of signing", "quote": "My Athene users can change a beneficiary online. A completed paper form is required for any other beneficiary change. ... The form must be received in the Home Office within 60 days of the signature date.", "account_type": "Athene annuity (fixed, fixed indexed, RILA, immediate) beneficiary designation", "page": "1", "source_url": "https://www.athene.com/support/faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-corebridge", "institution": "Corebridge Financial (American General Life Insurance Company; formerly AIG Life and Retirement)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "VALIC group annuity contracts GUP and GTS-VA for employer plans (Separate Account A prospectus, May 2021)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "implied, the form contemplates a named trustee; the name lines are generic (name, relationship, DOB, SSN)", "quote": "The Company shall not be liable for the application of proceeds paid to a named Trustee, nor be required to determine if a Trust is in effect.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "implied by the same clause, which is not limited to primary beneficiaries", "quote": "The Company shall not be liable for the application of proceeds paid to a named Trustee, nor be required to determine if a Trust is in effect.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "the company does not determine whether the trust is in effect; no trust documents asked", "quote": "nor be required to determine if a Trust is in effect", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "designated but unnamed (class) beneficiaries are identified by affidavit at payment", "quote": "The Company may determine designated but unnamed beneficiaries by reliance on affidavits or satisfactory information and the Company is released from liability in reliance thereon.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "if no contingent beneficiary is indicated, the estate", "quote": "Contingent Beneficiary and Relationship (If not indicated, will be estate)", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without stated shares, equal shares or all to the survivor", "quote": "If no allocation of payment is specified, the payment will be divided equally among the listed beneficiaries or all to the survivor.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "under some plans naming a non-spouse or changing the beneficiary needs spousal approval (plan rules; ERISA plans may require it)", "quote": "Under some retirement programs, the right to name a ... Beneficiary other than the spouse or change a Beneficiary is ... subject to approval by the spouse.", "account_type": "VALIC group annuity contracts GUP and GTS-VA for employer plans (Separate Account A prospectus, May 2021)", "page": "20", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/rs/corporate/documents/prospectuses-and-reports/annuities/contract-prospectuses/gup_contract_prosp.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "1 line each for primary and contingent; attach extra sheet, no limit stated", "quote": "If more than 1 primary beneficiary please attach additional sheet ... If more than 1 contingent beneficiary please attach additional sheet", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "1", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "printed form signed in black ink; the signed form may then be emailed", "quote": "This form should be completed in full, printed, signed by the annuitant or legal representative ... The form must be filled out in Black Ink only.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "2", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; fax; mail (Structured Settlements Department, Amarillo TX)", "quote": "submitted to AGL-USL via email, facsimile or mail.", "account_type": "Structured settlement annuities (American General Life, Beneficiary Form AGSST-BF/2.0)", "page": "2", "source_url": "https://www.corebridgefinancial.com/content/dam/marketing/corporate/documents/pdfs/beneficiary-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2023-12-27", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-equitable", "institution": "Equitable Financial Life Insurance Company (formerly AXA Equitable)", "segment": "insurer", "account_group": "annuity", "account_types": [ "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "Single premium deferred annuities (SPDA) and annuity benefits (AXA Equitable form E9768_f, 12/10)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust with name, date and acting trustees", "quote": "If a trust is designated as a beneficiary, please include the full name of the trust and the date and name(s) of the present acting trustee(s).", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust instruction applies to primary and contingent lines", "quote": "If a trust is designated as a beneficiary, please include the full name of the trust ... (b) If all Primary Beneficiaries pre-decease me, I designate", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, date, current trustees", "quote": "please include the full name of the trust and the date and name(s) of the present acting trustee(s)", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name, date and current trustees; sample wording \"Trustee(s) under Trust Agreement dated ...\"", "quote": "please include the full name of the trust and the date and name(s) of the present acting trustee(s) ... Trustee(s) under Trust Agreement dated February 1, 1994.", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for a living trust and a testamentary trust (no sub-trust format)", "quote": "Trustee(s) under Trust Agreement dated February 1, 1994. ... Trustee(s) of the Trust created in the instrument admitted to probate as the Last Will and Testament of the annuitant", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes shown in a sample written designation", "quote": "if not then living in equal shares to the annuitant's children who are then living and to the then living children of any deceased child of the annuitant, per stirpes.", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "sample class designations (\"annuitant's children\")", "quote": "In equal shares to the annuitant's children who are living at the death of the annuitant, should none then be living in equal shares to the annuitant's parents", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "narrative designations (sample wording with survivorship conditions) and attached listings; no review process stated", "quote": "If you require additional space, please provide a listing for all desired primary or contingent beneficiaries, relationships, Address(es), and Social Security Number and include with this signed and dated election form. ... Sample Beneficiary Designations", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "sample designation", "quote": "Annuitant's executors or administrators (Annuitant's estate).", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "Annuity Benefits, Annuitant's estate; SPDA, Annuitant's children equally, else estate", "quote": "if no stated Beneficiary is living when the Annuitant dies, for Annuity Benefits we will pay the benefits to the estate of the Annuitant. For SPDA, we will pay the benefits to the children of the Annuitant in equal shares. If there are none surviving, then to the estate of the Annuitant.", "account_type": "Single premium deferred annuities (SPDA) and annuity benefits (AXA Equitable form E9768_f, 12/10)", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=Y6CZYP3QUJ6H-545056577-96", "form_number": "", "revision_date": "2010-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share goes to the survivors equally", "quote": "Unless otherwise specified in the request: (a) if two or more persons are named as Beneficiaries, those surviving the Annuitant will share equally", "account_type": "Single premium deferred annuities (SPDA) and annuity benefits (AXA Equitable form E9768_f, 12/10)", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=Y6CZYP3QUJ6H-545056577-96", "form_number": "", "revision_date": "2010-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attached listing allowed", "quote": "If you require additional space, please provide a listing for all desired primary or contingent beneficiaries", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or express); fax number printed in the header", "quote": "Regular Mail: ... Charlotte, NC 28201-1430 ... Fax: 816-701-4969", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "general note only (2005 claim guide), disclaim before receiving the benefit and before filing the claim form; no disclaimer form or deadline given", "quote": "if you are a beneficiary of an annuity contract and you do not want the death benefit at all, you may be able to \"disclaim\" your death benefit before you receive it. If you think you might be interested in disclaiming your interest, please consult your tax advisor or attorney before filling out any claim to annuity benefits.", "account_type": "EQUI-VEST IRA (Traditional, Roth, SEP, SARSEP, SIMPLE) and NQ annuity contracts", "page": "10", "source_url": "http://www.equitable.com/pdf/Equitable_Beneficiary_Guide.pdf", "form_number": "EQ-27579", "revision_date": "2005-01", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-fg", "institution": "F&G Annuities & Life (Fidelity & Guaranty Life Insurance Company)", "segment": "insurer", "account_group": "annuity", "account_types": [ "F&G annuity contract beneficiary change (ADMIN 5742)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "specimen wording for corporate and individual trustees", "quote": "Corporate trustees ... Trustee, or its successors in trust, under Trust ... Individual trustee ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "specimen wording names the trustee and the trust agreement date; the form lines themselves ask name, SSN, date of birth", "quote": "Trustee, or its successors in trust, under Trust ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "\"as Trustee under Trust Agreement dated\" wording with trustee name and date (specimen)", "quote": "Trustee, or its successors in trust, under Trust ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "specimen trustee designations (corporate trustee with successors in trust; individual trustee)", "quote": "Corporate trustees ... Trustee, or its successors in trust, under Trust ... Individual trustee", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole-number percentages only (SecureIncome 7 application; product-specific); the Change of Beneficiary Request form states no such limit", "quote": "All percentages must be in whole numbers.", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "2", "source_url": "https://assets.fglife.com/is/content/fglife/web-assets/hubspot/hubspot_fi-due-diligence/ICC20-AAPP1003-SI7-UNIV%20SecureIncome%207%20Compact.pdf", "form_number": "ICC20-AAPP1003", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "specimen wording for the insured's estate", "quote": "Executors or Administrators of the Insured's Estate", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (sample MYGA contract ICC21-MYGA; the SecureBuilder 7 contract lists the estate of the last owner to die after the contingent beneficiary)", "quote": "If there is no Beneficiary designated at the Owner's death or if all Beneficiaries have predeceased the Owner, the Owner's estate is the Beneficiary.", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "13", "source_url": "https://assets.fglife.com/is/content/fglife/web-assets/hubspot/hubspot_fi-due-diligence/MYGA%205%20ROP_SAMPLE.PDF", "form_number": "ICC21-MYGA", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary taking payments may direct where the remainder goes, else to the beneficiary's estate (sample MYGA contract); a spouse who continues the contract names a new primary beneficiary", "quote": "If the non-Spouse Beneficiary dies before his or her proportionate interest in the Contract is distributed, any remaining interest will be distributed to such Beneficiary's estate or as otherwise directed by the Beneficiary in a notice to Us.", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "17", "source_url": "https://assets.fglife.com/is/content/fglife/web-assets/hubspot/hubspot_fi-due-diligence/MYGA%205%20ROP_SAMPLE.PDF", "form_number": "ICC21-MYGA", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "a predeceased natural-person beneficiary's rights pass to the other beneficiaries unless the owner directs otherwise; contingent takes if all others predecease; simultaneous death treated as beneficiary dying first (sample MYGA contract)", "quote": "The rights of any Beneficiary who is a natural person, including an irrevocable Beneficiary, will end if he or she dies prior to an Owner ... Death Benefit will be paid as though any Beneficiary died before the Owner if there is no sufficient", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "13", "source_url": "https://assets.fglife.com/is/content/fglife/web-assets/hubspot/hubspot_fi-due-diligence/MYGA%205%20ROP_SAMPLE.PDF", "form_number": "ICC21-MYGA", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; attach a signed and dated page for more", "quote": "Should you need to add any additional beneficiaries beyond the space allowed on this form, please attach an additional page", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "2", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (P.O. Box 81497 Lincoln NE; NY P.O. Box 81337); overnight; fax (annuity 402-328-2266, life 800-281-5777)", "quote": "RETURN COMPLETED FORM TO ... Overnight ... U.S. Mail ... Submit your documents according to the instructions on the form.", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "3-5 business days after all required information (help page); the contracts let F&G refuse a change received more than 30 days after signing", "quote": "F&G will process the request within 3-5 business days of receipt of all required information.", "account_type": "F&G annuity contract beneficiary change (ADMIN 5742)", "page": "web page", "source_url": "https://www.fglife.com/contact/manage-policies/how-to-change-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "annuity", "account_types": [ "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "allowed; trust-owned FPRA/FDRA must name the owning trust as sole beneficiary; the annuity guide adds that a trust beneficiary must be paid out within five years", "quote": "Name of Person, Trust, or Entity ... For Fidelity Personal Retirement and Fidelity Fixed Deferred Retirement Annuities, trust-owned contracts MUST have the owning", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries ... Name of Person, Trust, or Entity", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, trust date", "quote": "Social Security or Taxpayer ID Number ... Date of Birth or Trust MM DD YYYY", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and TIN; no trustee name asked", "quote": "Date of Birth or Trust MM DD YYYY", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary, not for trust or estate beneficiaries; the guide says the words \"per stirpes\" must appear or per capita applies", "quote": "Agree that by checking the \"per stirpes\" ... box next to a beneficiary's name, any sum", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "equally among the beneficiary's surviving legal descendants (children born to or adopted by the beneficiary); creates a class", "quote": "box next to a beneficiary's name, any sum ... payable to that beneficiary will be divided ... equally among the beneficiary's surviving legal ... descendants, if the beneficiary him- or herself ... is no longer living on the date of death.", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "default; Fidelity uses \"per capita\" to mean a lapsed share goes to surviving members of the class", "quote": "Primary and contingent beneficiary designations, ... unless otherwise stated, are presumed by Fidelity ... to be \"per capita,\" meaning if a beneficiary dies", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only; later-born children need a new form", "quote": "by name does NOT create a category, ... and that if you later want to include other ... beneficiaries (such as any children born to ... or adopted by you in the future), you will ... need to file a new beneficiary form with", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "for Fidelity-issued trust-owned annuities (not CRTs) only natural persons may be beneficiaries", "quote": "Certify that for Fidelity-issued trust-owned ... annuities (excluding charitable remainder ... trusts), all beneficiaries are natural persons.", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; parent needs court approval, a custodian needs birth certificate or court document; for a custodial contract the minor's estate is primary beneficiary", "quote": "You may designate a minor child (e.g., a grandchild) ... behalf of his or her child, Fidelity requires a copy of ... the court approval before settling the claim or acting", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "7", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes; five-year payout", "quote": "You may designate your \"Estate\" as the beneficiary.", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "7", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate in most cases", "quote": "death, in most cases, the estate will be deemed ... the beneficiary and the death benefit must then", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "spouse continuing the contract and a stretch beneficiary may name beneficiaries; not under the five-year option", "quote": "The surviving ... spouse should update the beneficiary designation going forward. ... When a beneficiary ... this option, he or she should update the beneficiary designation. ... The person who elects the five-year option is not allowed to name a", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "5", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to surviving beneficiaries of the same class unless per stirpes", "quote": "contract), that beneficiary's share of the death benefit ... is apportioned among the surviving members of the", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 primary and 3 contingent lines; copy or blank sheet for more", "quote": "If you need more room for additional primary OR contingent beneficiaries, make a copy of this Section 3 or use a blank sheet.", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "form or online", "quote": "Beneficiary Form for Annuities or establish or update ... your beneficiaries online. Contact your Fidelity", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (Annuity Service Center, regular or overnight); online (see online_designation)", "quote": "Send the ENTIRE form to Fidelity ... Annuity Service Center", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/Consolidate-Beneficiary.pdf", "form_number": "1.9865752.109", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written, irrevocable, unconditional, signed; filed within nine months (IRC 2518)", "quote": "Irrevocable and unconditional by its terms ... Written, explicit, and signed by the beneficiary ... Filed with Fidelity no later than nine (9) months ... from the death of the person on whose life the", "account_type": "Fidelity deferred annuities (FILI / Empire Fidelity; also Brighthouse Growth and Income and NY Retirement Reserves)", "page": "9", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/deferred-annuities_designated-beneficiaries.pdf", "form_number": "1.968891.106", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-global-atlantic", "institution": "Global Atlantic Financial Group (Forethought Life)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Forethought Life annuity beneficiary designation (GA20006, FA5014)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts can be named; a trust-owned contract must name the trust as beneficiary", "quote": "Full Name (First, Middle, Last or Trust/Entity) ... If you name a trust as the Beneficiary, submit a copy of the trust for our file. ... For contracts with a Trust as the Owner, the Trust must be listed as the Beneficiary.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line is marked primary or contingent and may name a trust", "quote": "Primary Per Stirpes Irrevocable ... Contingent ... Full Name (First, Middle, Last or Trust/Entity)", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and EIN, address, relationship; no trust date or trustee field", "quote": "Full Name (First, Middle, Last or Trust/Entity) Taxpayer I.D. (SSN or EIN)", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "a copy of the trust instrument whenever a trust is named", "quote": "If you name a trust as the Beneficiary, submit a copy of the trust for our file.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes yes/no on each line; not defined", "quote": "Primary Per Stirpes Irrevocable ... Contingent Yes No Yes No", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If none of the named beneficiaries are living or this designation is ineffective, proceeds will be paid to the owner's estate.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take only if no primary survives; no share-level rule beyond the per stirpes box", "quote": "Unless otherwise indicated, proceeds will be distributed equally. Payments to Contingent Beneficiaries only apply in the event there is no surviving Primary Beneficiary.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "GA20006 (letter contracts), spouse must sign in community property states; FA5014 (number contracts) only tells the owner to consult a legal advisor", "quote": "If the owner or joint owner lives in a community property state, the owner's or joint owner's spouse must also sign.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/ga20006-change-of-beneficiary-form.pdf", "form_number": "GA20006-02", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four beneficiaries on the form (five line blocks printed); continuation form for more", "quote": "This form allows you to assign shares of your death benefit to four primary or contingent beneficiaries. If you have more than four primary or contingent beneficiaries, please attach a completed Beneficiary Designations Continued form.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "not required routinely; a signature guarantee only if the signature cannot be verified", "quote": "A signature guarantee may be requested if we are unable to verify an owner's signature.", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload; email; mail; fax (GA20006, upload, email, mail, fax; FA5014, email, mail, fax)", "quote": "Log in at globalatlantic.com, navigate to policy details, and select the Upload Documents button ... GAOperations@email.gafg.com ... annuityservicecenter@gafg.com", "account_type": "Forethought Life annuity beneficiary designation (GA20006, FA5014)", "page": "4", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/ga20006-change-of-beneficiary-form.pdf", "form_number": "GA20006-02", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-jackson", "institution": "Jackson National Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Jackson nonqualified annuity (owner-driven contract) beneficiary" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust can be beneficiary (titling guide scenario 5); a trust beneficiary gets only lump sum or out in five, no nonqualified stretch", "quote": "If the trust is listed as beneficiary ... This program is not available for custodial accounts, for an \"entity\" beneficiary or a trust beneficiary.", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "2", "source_url": "https://www.jackson.com/pdf/cmc5719.pdf", "form_number": "CMC5719", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate, or the estate of the last joint owner to die (Market Link Pro III prospectus; same terms in other Jackson prospectuses)", "quote": "If no Beneficiary designation is in effect, or the designated Beneficiary(ies) have not survived the Owner, or in the case of jointly owned Contracts, both joint Owners, the Death Benefit shall be paid to the Owner's estate", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "87", "source_url": "https://www.jackson.com/pdf/legal/rpr00009.pdf", "form_number": "JMV6110G", "revision_date": "2024-02", "wayback_capture": "2026-03-13", "retrieved": "2026-09-25" }, "successor_beneficiary": { "value": "yes", "detail": "a stretching beneficiary's own beneficiary may take a lump sum or continue the stretch (\"stretch of a stretch\"); not available on all products", "quote": "If a beneficiary inherits a nonqualified annuity, stretches it, but then passes away with life expectancy remaining, then their beneficiary is able to continue the stretch for the entirety of the original beneficiary's life expectancy.", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "1", "source_url": "https://www.jackson.com/pdf/cmc5719.pdf", "form_number": "CMC5719", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "order, joint owner, primary, contingent; on simultaneous death of owner and spouse beneficiary the contingent takes; no per-share lapse rule stated", "quote": "A joint owner is treated as the primary beneficiary of a nonqualified annuity and stands to inherit annuity proceeds before any listed beneficiary. ... If the husband and wife die simultaneously, the proceeds go to the contingent beneficiary.", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "4", "source_url": "https://www.jackson.com/pdf/xadv7984.pdf", "form_number": "XADV7984", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written, signed and dated request mailed to the Customer Care Center; effective on the date signed", "quote": "You may change the Beneficiary(ies) by sending a written, signed and dated request to the Customer Care Center", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "45", "source_url": "https://www.jackson.com/pdf/legal/rpr00009.pdf", "form_number": "JMV6110G", "revision_date": "2024-02", "wayback_capture": "2026-03-13", "retrieved": "2026-09-25" }, "disclaimer_procedure": { "value": "yes", "detail": "beneficiary may disclaim; share passes to contingent (or to primary if surviving joint owner disclaims); qualified disclaimer timing and form not specified, refers to a professional", "quote": "If the beneficiary wishes to not receive the proceeds of an inherited annuity, the beneficiary can disclaim the annuity. When the beneficiary disclaims, the assets then pass to the contingent beneficiary (if listed) ... qualified disclaimers are required to be entered within a specific period and in a specific way.", "account_type": "Jackson nonqualified annuity (owner-driven contract) beneficiary", "page": "5", "source_url": "https://www.jackson.com/pdf/xadv7984.pdf", "form_number": "XADV7984", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-john-hancock", "institution": "John Hancock Life Insurance Company (U.S.A.)", "segment": "insurer", "account_group": "annuity", "account_types": [ "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "John Hancock structured settlement annuity (payee beneficiary form SSBENE)", "John Hancock group annuity contract payee beneficiary (Fixed Products, FPBENE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes; paid to the trust, not to the trust's beneficiaries", "quote": "Entities or non-natural persons: You may designate as a beneficiary a non-natural person such as a trust or charitable organization. ... If you designate a trust as beneficiary, the death benefit will be payable to the trust and not to individual beneficiaries named in the trust.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent may be an entity (2014 edition); 10/24 edition has the same contingent lines", "quote": "The Contingent Beneficiary is the person, persons or entity who becomes the Primary Beneficiary if the Primary Beneficiary is not alive.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "2", "source_url": "http://www.jhannuities.com/media/forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "10231X", "revision_date": "2014-12", "wayback_capture": "2015-03-22", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee name and phone (2014 edition); the 10/24 edition asks only name, TIN, date of birth, relationship and address", "quote": "If the beneficiary is a Trust or Estate, please provide the name of Trustee or Executor", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "2", "source_url": "http://www.jhannuities.com/media/forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "10231X", "revision_date": "2014-12", "wayback_capture": "2015-03-22", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name (2014 edition); trust date not asked", "quote": "If the beneficiary is a Trust or Estate, please provide the name of Trustee or Executor", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "2", "source_url": "http://www.jhannuities.com/media/forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "10231X", "revision_date": "2014-12", "wayback_capture": "2015-03-22", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no complex or conditional designations; percentages only, at most two decimals", "quote": "John Hancock cannot accept complex or conditional beneficiary designations. ... Designations given in dollar amounts, fractions, or with more than two decimal places (e.g., 33.333%) will not be accepted.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "complex or conditional designations refused", "quote": "No complex beneficiaries: John Hancock cannot accept complex or conditional beneficiary designations.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "owner authorizes John Hancock to interpret ambiguities", "quote": "By signing section 5, you authorize us to interpret the beneficiary designations on this form in order to resolve any ambiguities, inconsistencies, or omissions.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian may be named; without one, parents can claim under $10,000, a court-appointed guardian or conservator for $10,000 or more (claim center page)", "quote": "You may name an adult custodian to receive the death benefit for a minor child. ... If the proceeds are less than $10,000, John Hancock will generally allow parents of a minor beneficiary to claim the proceeds upon presentation of the minor's birth certificate. Generally for proceeds of $10,000 or more, a court-appointed guardian or conservator of the minor's property must submit the claim.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes, executor name asked (2014 edition); at claim the court-appointed representative signs", "quote": "If the beneficiary is a Trust or Estate, please provide the name of Trustee or Executor ... If the beneficiary is an estate, the Annuity Claim Form must be signed by the court-appointed representative.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "2", "source_url": "http://www.jhannuities.com/media/forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "10231X", "revision_date": "2014-12", "wayback_capture": "2015-03-22", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate; after an owner change without a new designation, the new owner (if living) or the new owner's estate", "quote": "If no primary or contingent beneficiary is living upon the death of the contract owner, then the death benefit is payable to the contract owner's estate.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take only if all primaries predecease; a non-existent entity's share goes to surviving beneficiaries", "quote": "A contingent beneficiary is not entitled to the death benefit unless all primary beneficiaries die before the contract owner. ... its share of the death benefit will be reapportioned to any surviving beneficiaries.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 3 contingent lines; signed and dated letter for more", "quote": "Note: If you need additional space to identify beneficiaries, please attach a signed and dated letter with the information requested above.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "5", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "beneficiary changes online; owner changes paper only", "quote": "If you are only making beneficiary changes, you can also complete your request online. ... Note: Ownership changes cannot be completed online.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "2014 edition, signature guarantee only if no signed application is on file; the 10/24 edition does not mention it", "quote": "A Signature Guarantee is required on this form if a signed contract application (or \"confirmation of application\") is not on file at John Hancock.", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "http://www.jhannuities.com/media/forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "10231X", "revision_date": "2014-12", "wayback_capture": "2015-03-22", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; fax (617-663-3160)", "quote": "Click the link to submit online and follow the step-by-step instructions. ... Please submit your completed and signed form via one of the following ... John Hancock Annuities Service Center", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "written acknowledgment expected within 15 calendar days; change effective only when acknowledged", "quote": "If you do not receive an acknowledgment within 15 calendar days from submission of this form", "account_type": "John Hancock variable and fixed annuity (Change of owner and/or beneficiary form 1307217)", "page": "1", "source_url": "https://www.johnhancock.com/content/dam/onejohnhancock/pdfs/annuities-forms/change%20of%20owner%20and%20or%20beneficiary%20form.pdf", "form_number": "", "revision_date": "2024-10", "wayback_capture": "2025-04-08", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-lincoln", "institution": "Lincoln Financial (Lincoln National Life)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust section on page 2 with a Primary / Contingent checkbox", "quote": "For a trust as beneficiary skip to page 2 and complete the trust section. ... If designating a trust as beneficiary, complete the following", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be marked primary or contingent", "quote": "If designating a trust as beneficiary, complete the following: Primary Contingent", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, relationship, percentage, trustee's name, date of trust, address, phone", "quote": "If designating a trust as beneficiary, complete the following ... Trustee's Name ... Date of Trust", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee's name and date of trust", "quote": "Trustee's Name ... Date of Trust", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "2", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "each beneficiary line has a \"Per Stirpes Percentage\" column", "quote": "Per Stirpes Percentage", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's living children in equal shares (children only, not remoter descendants)", "quote": "Per Stirpes: If a beneficiary predeceases the Owner (or Annuitant, if applicable) the beneficiary's share of the proceeds will be paid to that beneficiary's living children in equal shares.", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "guardian or custodian papers at claim (prospectus)", "quote": "If the Beneficiary is a minor, court documents appointing the guardian/custodian may be required.", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "42", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/LLAVA-P-LAADV-FINAL.pdf", "form_number": "", "revision_date": "2022-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate; Lincoln Level Advantage Advisory prospectus (2022), product-specific", "quote": "Unless otherwise provided in the Beneficiary designation ... if no Beneficiary survives the Contractowner, the proceeds will be paid to the Contractowner's estate.", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "42", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/LLAVA-P-LAADV-FINAL.pdf", "form_number": "", "revision_date": "2022-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiary claimant (qualified contracts) names own primary and contingent beneficiaries for deferral, deceased IRA, annuitization; default claimant's estate", "quote": "Election of Beneficiary Section (Use with all payment options except Lump Sum, option #4. If Claimant does not elect a Beneficiary, payment will default to the Claimant's estate.)", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "4", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CL06541.pdf", "form_number": "CL06541", "revision_date": "2024-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the other named beneficiaries pro rata unless the designation says otherwise (prospectus); per stirpes lines go to the beneficiary's children (form 28493)", "quote": "if any Beneficiary dies before the Contractowner, that Beneficiary's interest will go to any other Beneficiaries named, according to their respective interests", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "42", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/LLAVA-P-LAADV-FINAL.pdf", "form_number": "", "revision_date": "2022-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "5 individual lines and 1 trust line; extra signed sheets allowed", "quote": "Additional beneficiaries may be designated on a separate sheet and must include a signature on each page.", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; fax; mail; overnight", "quote": "Email: AnnuityForms@lfg.com ... Fax: 260 455-6310 ... Overnight: 1301 S. Harrison St., Fort Wayne IN 46802-3425 ... Mail: PO Box 2348, Fort Wayne IN 46801-2348", "account_type": "Lincoln annuity (nonqualified and IRA/qualified contracts, not employer plans) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/28493.pdf", "form_number": "", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-massmutual", "institution": "Massachusetts Mutual Life Insurance Company (MassMutual)", "segment": "insurer", "account_group": "annuity", "account_types": [ "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "MassMutual annuity (MassMutual, C.M. Life, MML Bay State; Annuity Contract Change Request F6455-AN)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named; if a trust owns the contract, the trust itself must be the sole primary beneficiary (MassMutual Ascend form, a MassMutual subsidiary)", "quote": "With respect to any trust designated as Beneficiary, MassMutual Ascend and Affiliates shall neither be obligated to inquire into the terms of the trust ... If the Beneficiary is a trust, please provide the trust's name, the trustee name(s), and the trust agreement date. ... If the owner of the contract is a trust, we may reject the designation of any Beneficiary other than the trust itself.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each beneficiary line is marked primary or contingent; the trust instructions apply to any beneficiary line", "quote": "Beneficiary(ies) Type: Primary Contingent ... With respect to any trust designated as Beneficiary", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trustee name(s), trust agreement date", "quote": "If the Beneficiary is a trust, please provide the trust's name, the trustee name(s), and the trust agreement date.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name(s) and trust agreement date", "quote": "If the Beneficiary is a trust, please provide the trust's name, the trustee name(s), and the trust agreement date.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "trust document not to be sent (stated for trust owners); insurer does not inquire into a beneficiary trust's terms", "quote": "If new owner is a trust, please DO NOT send us the trust document. ... MassMutual Ascend and Affiliates shall neither be obligated to inquire into the terms of the trust", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sub-trust or share named in the trust's name with the trust date (stated for a trust owner, which must also be sole primary beneficiary)", "quote": "If the trust has been divided into multiple sub-trusts or shares, please identify the sub-trust, or share as part of the owner's name. For example, \"John & Jane Doe Tr 05/18/08 - Surv Tr\" or \"Smith Family Tr 12-01-97 FBO Samantha Smith.\"", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6017907nw.pdf?sfvrsn=781a46de_33", "form_number": "X6017907NW", "revision_date": "2025-01-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per beneficiary line; natural persons only; default no", "quote": "Issue per stirpes? Yes No (Default) ... Issue per stirpes is only applicable if the beneficiary is a natural person.", "account_type": "MassMutual annuity (MassMutual, C.M. Life, MML Bay State; Annuity Contract Change Request F6455-AN)", "page": "5", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's surviving children, before contingent beneficiaries", "quote": "Issue Per Stirpes. This means that if a Beneficiary dies before the ... Owner, any amount that would have been paid to that Beneficiary, will ... be paid in one sum and in equal shares to the surviving children of ... that Beneficiary, if any, before any other Contingent Beneficiary.", "account_type": "MassMutual annuity (MassMutual, C.M. Life, MML Bay State; Annuity Contract Change Request F6455-AN)", "page": "12", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian per line (not with per stirpes; not in Vermont or Puerto Rico); else court-appointed guardian", "quote": "UTMA/UGMA Custodian (This is not applicable if Issue per stirpes is selected above) ... If no custodian is designated, any money payable to a minor will ... be paid to the court appointed guardian of the estate of the minor.", "account_type": "MassMutual annuity (MassMutual, C.M. Life, MML Bay State; Annuity Contract Change Request F6455-AN)", "page": "6", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate of the Insured\" is a beneficiary type", "quote": "Named Individual(s) Trust Trust under Will Estate of the Insured Other Entity", "account_type": "MassMutual annuity (MassMutual, C.M. Life, MML Bay State; Annuity Contract Change Request F6455-AN)", "page": "6", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "new owner's estate when no new designation accompanies an ownership change; contingent treated as primary if no primary named", "quote": "If a new Beneficiary designation is not made with an ownership change, then the Beneficiary will be the estate of the new owner(s)/participant.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes to the surviving beneficiaries of the same class in equal shares unless otherwise stated", "quote": "The Death Benefit will be paid to the primary Beneficiaries or survivors of them in equal shares unless otherwise stated.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; attach extra signed and dated sheet", "quote": "If additional space is needed, attach a separate sheet signed and dated by the new owner(s)/participant.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "2", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "only when requested by the home office or when the contract was bought by e-signature and no notarized or guaranteed signature is on file", "quote": "must be notarized or signature guaranteed below if: 1) Requested by the home office, or 2) You purchased your contract electronically with an e-signature and you have not previously submitted a notarized or guaranteed signature.", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "4", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; overnight (separate addresses for fixed, RILA and variable annuities)", "quote": "Fixed & Fixed Indexed Annuities: PO Box 5420, Cincinnati OH 45201 / 800-854-3649 / 800-482-8126 Fax ... Overnight Address: 191 Rosa Parks St, Cincinnati OH 45202", "account_type": "MassMutual Ascend non-qualified annuity (beneficiary section of the ownership change form)", "page": "1", "source_url": "https://mybusiness.massmutualascend.com/docs/default-source/default-document-library/forms/policyholder-forms/x6002701nw.pdf?sfvrsn=cf1646de_18", "form_number": "X6002701NW", "revision_date": "2025-03-27", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-metlife", "institution": "MetLife (Metropolitan Life Insurance Company)", "segment": "insurer", "account_group": "annuity", "account_types": [ "MetLife annuity purchased individually (Beneficiary Change form tips)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "per stirpes checkbox on each beneficiary line, primary or contingent (form ANN-BENE 11/24)", "quote": "Check here if the following designation is Per Stirpes (Note:This option may be selected for Primary and/or Contingent beneficiary designations.)", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a deceased beneficiary's share goes to that beneficiary's legal descendants (children born or adopted)", "quote": "Per Stirpes means that proceeds will be distributed to a beneficiary's legal descendants (children born of or legally adopted by the beneficiary) in the event the beneficiary is not living at the time in which the death claim becomes payable.", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "6", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; UTMA/UGMA custodian written on the entity line; otherwise more information may be needed at claim", "quote": "To name a Custodian under UTMA/UGMA for a minor beneficiary please complete the entity line of the beneficiary designation as shown below ... (Name of Custodian) as Custodian for (Name of Minor) Under the State of (State name where minor resides) UGMA/UTMA", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "6", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "joint-owned contracts only, surviving joint owner is primary unless the box is checked; after both die, the estate of the last to die", "quote": "for contracts with Joint Owners, upon death of either Joint Owner, the surviving Joint Owner will be the primary beneficiary, and all other beneficiaries will be considered contingent beneficiaries. If a death claim is filed after both Joint Owners have passed away, the death benefit will be paid to the Estate of the most recently deceased Joint Owner.", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "2", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; attach extra sheet with owner's dated signature", "quote": "If additional space is required, please provide the necessary information (in the same format as SECTION 2) on a separate piece of paper that includes the Owner's dated signature.", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "6", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; express mail; fax; email", "quote": "SECTION 5: How to Submit This Form Regular Mail: Express Mail Only: Fax: Email: ... requests@metlife.com", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "5", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/49031.pdf", "form_number": "", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "5 business days after receipt in good order; confirmation mailed", "quote": "After we receive your completed form, in good order, we'll process your request within 5 business days.", "account_type": "MetLife annuity purchased individually (Beneficiary Change form tips)", "page": "1", "source_url": "https://sustainabilityreport.metlife.com/content/dam/metlifecom/us/homepage/support-and-manage/current-customers/annuities/Beneficiary-Form.pdf", "form_number": "CLMH092223-1", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-nationwide", "institution": "Nationwide Life Insurance Company (and Nationwide Life and Annuity Insurance Company)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Annuity contracts (Beneficiary Change Request APO-5309-X)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entity lines 4 to 6 of the primary section", "quote": "Primary Beneficiary Designation ... Estate1 c Trust2 c Other (please specify):", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entity lines 4 to 6 of the contingent section", "quote": "Contingent Beneficiary Designation ... Estate1 c Trust2 c Other (please specify):", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "entity legal name and TIN on the form; trust date and trustees via the Certification of Trust", "quote": "Entity Legal Name: ... TIN for Entity:", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "legal trust name and effective date, current and successor trustees (in the certification)", "quote": "the legal Trust name and effective date, the Trustee(s) authorized to act on behalf of the Trust including any successor Trustee(s)", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Certification of Trust with the designation", "quote": "Please provide a Certification of Trust (Trust Certificate) that provides necessary information to validate the trust including but not limited to the legal Trust name and effective date, the Trustee(s) authorized to act on behalf of the Trust including any successor Trustee(s), and the Trust's tax identification number.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "all beneficiaries must be restated; \"same\" or \"no change\" refused", "quote": "We will not accept forms where Section 3 is left blank. We will also not accept wording such as \"same\" or \"no change\" in Section 3 or in Section 4.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "4", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "proceeds are not paid to a minor directly; guardian, conservator, UTMA custodian or trust", "quote": "Nationwide will not pay insurance proceeds to minors. A court appointed guardian of the estate, conservator, custodian under a state's Uniform Transfer to Minors Act or a trust are customary recipients of funds payable on behalf of a minor.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "4", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate\" box on the entity lines", "quote": "The Executor(s) or Administrator(s) of the Estate of the Owner", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states and territories, spouse signs a consent and waiver", "quote": "For annuity contracts issued in and for residents of: Arizona, California, Guam, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "6", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form (no notary); otherwise the owner indemnifies Nationwide", "quote": "If my spouse has not signed this form, as the owner of this annuity contract, I take full responsibility in determining whether community property laws do or do not apply to this annuity contract. My signature on this form indemnifies Nationwide", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "6", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "defers to state revocation statutes; Indiana and Missouri statutes incorporated by reference", "quote": "Some states have enacted legislation which may automatically revoke beneficiary designations to a former spouse ... Nationwide will take these state laws into consideration when processing claims on your annuity.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "4", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online form (not for Massachusetts residents, witness required)", "quote": "Nationwide annuity forms can be filled out and submitted online. ... Use this form to request a change to the beneficiary designation for your annuity.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "web page", "source_url": "https://www.nationwide.com/personal/investing/annuities/forms/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "online form with e-signatures", "quote": "Nationwide annuity forms can be filled out and submitted online. ... There may also be the need to gather other email addresses for forms that require multiple e-signatures.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "web page", "source_url": "https://www.nationwide.com/personal/investing/annuities/forms/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; fax; email; mail (PO Box 182021, Columbus OH)", "quote": "Nationwide annuity forms can be filled out and submitted online. You can also download, fill out and fax or email them to the address on the form.", "account_type": "Annuity contracts (Beneficiary Change Request APO-5309-X)", "page": "web page", "source_url": "https://www.nationwide.com/personal/investing/annuities/forms/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-new-york-life", "institution": "New York Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "primary, secondary and tertiary classes may each name a trust (living or testamentary)", "quote": "Name of beneficiary or trust ... Individual(s) or entity(ies) (such as a", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary (and tertiary) beneficiaries may be trusts", "quote": "Secondary or second beneficiary: If all primary beneficiaries are deceased, the class of individual(s) or entity(ies) (such as a trust)", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, trustee name(s) and contact details, tax ID; the form also asks the trust's beneficiaries and their relationship to the insured, and whom to name as trustee if the trustee is the insured", "quote": "For a trust beneficiary, what information is needed? ... Date of the trust agreement ... Name of trustee(s) and contact information ... If any of your named beneficiaries are a trust, please complete the following fields", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name(s) required; the 2014 form's sample uses \"[trustee], as Trustee under [trust] Dated [date]\"", "quote": "For a trust beneficiary, what information is needed? ... Date of the trust agreement ... Name of trustee(s) and contact information ... John Smith, as Trustee under Trust ABC Dated", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at designation New York Life's Statement of Trust form 20885 (older form 21131-M); at claim (NYLIAC annuity death claim form ANN18743 08/2026) the trust title, grantor, successor trustee and signature pages and any amendments, signed by all trustees", "quote": "To name a trust as a beneficiary, other than a Testamentary Trust, please also complete the \"Statement of Trust\" (Form # 20885) ... trust paperwork showing the title, settlers/grantors information, successor trustee pages and signature pages are required along with any amendments to the trust.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for a living trust and a testamentary trust (2014 form 21131-M); no sub-trust or separate share format", "quote": "Primary Beneficiary - Trustee of a Living Trust ... John Smith, as Trustee under Trust ABC Dated ... Testamentary Trust under last will and testament of Mary A. Smith", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a Per capita / Per stirpes choice for each beneficiary line; per capita is the default", "quote": "This option is selected by default unless per stirpes is indicated. ... For definitions of these terms, please see page 11", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only, a predeceased beneficiary's share passes equally to that beneficiary's living children", "quote": "If a beneficiary is designated \"per stirpes,\" any interest to which the deceased beneficiary would be entitled, if living, passes equally to any living children of that beneficiary.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary and the default; New York Life's \"per capita\" means the surviving named beneficiaries share equally (not per capita at each generation)", "quote": "Per capita describes an arrangement in which if one of the beneficiaries were to pass away or disclaim, the shares would be distributed evenly amongst the surviving beneficiaries. This option is selected by default unless per stirpes is indicated.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class designations such as \"children born of the marriage to [spouse]\" appear in the 2014 sample designations; the 2026 form's per stirpes option reaches only the beneficiary's children", "quote": "Multiple Primary Beneficiaries - Biological Children ... Children born of the marriage to Mary A. Smith ... Secondary: Children born of the marriage to Mary A. Smith", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "shares must be percentages or fractions totaling 100% per class; dollar amounts refused", "quote": "Specific dollar amounts will not be accepted. ... Specific dollar amounts are not allowed.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "12", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "a signed, dated attached page (2014 form) or the free-text Additional Information section (2026 form); for Joint Life or Dualife policies and settlement-option payouts New York Life prepares its own form", "quote": "If all changes do not fit on this form, attach a page with your additional changes to the form. This page should include the policy number(s) affected as well as your signature and the date. ... Use this section to provide additional beneficiary information if needed.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian fields on the form (one custodian per minor; successor custodian on an attached page, 2014 form) or a trust; otherwise a court-appointed guardian", "quote": "Minors can't directly receive payments. Unless you specify a trust or name a custodian for the minor beneficiary under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA), we will require a court appointed custodian/guardian", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the owner's or annuitant's estate, according to the contract (2014 form 21131-M)", "quote": "Primary Beneficiary - For Annuity Policies ... The Policyowner's Estate or The Annuitant's Estate in accordance", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "to the policyowner, or the policyowner's estate if the owner was the insured (2014 form); the 2026 form says only that funds are \"distributed according to the terms of the contract\" and \"usually will pass to the estate of the policy owner\"", "quote": "If no beneficiary for any life insurance or other death benefit proceeds survives, the right to those proceeds will pass to the Policyowner. If the Policyowner was the Insured/Annuitant, the right to those proceeds will pass to the Policyowner's estate.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "8", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the same form is used by the holder of an Inherited IRA or Inherited Roth IRA annuity to name beneficiaries", "quote": "For Inherited IRA and Inherited Roth IRA plan types: After your death, your beneficiaries may be limited to a distribution period", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to the surviving primaries equally (per capita default); per stirpes elections pass to the beneficiary's living children; simultaneous death (or within 15 days if the policy so provides) treated as beneficiary dying first", "quote": "If a primary beneficiary does not survive the insured or annuitant, that portion of the contract proceeds will be paid to any remaining primary beneficiaries in equal shares. ... Any interest which a deceased secondary beneficiary would, if living, have had in policy proceeds shall be shared equally by any living children of that beneficiary.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "\"in most states\" a former spouse must be re-designated after the divorce (as ex-spouse) to remain beneficiary, i.e. divorce may revoke; refers the owner to state law and the decree", "quote": "What if I get a divorce or annulment? ... ficiary of your policy, you must update the beneficiary designation after ... your divorce is finalized, designating the relationship as ex-spouse", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "12", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four beneficiary sections per page; pages may be copied without limit", "quote": "Have more than four beneficiaries? You can print and use this page as many times as needed.", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at MyNYL or the app; the paper form can also be uploaded", "quote": "Save time: Update your beneficiaries online. ... Visit us at newyorklife.com/my-account", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (MyNYL or app), upload, mail, fax", "quote": "Online: Save time and postage by uploading this form at newyorklife.com/register. ... Mail: New York Life, PO Box 130539, Dallas, TX 75313-0539 ... Fax: (800) 278-4117", "account_type": "Individual annuities (NYL and NYLIAC deferred and immediate annuities, non-qualified and Traditional, Roth, SEP and Inherited IRA annuities; form 21131 7/2026, 21131-M 11/14)", "page": "10", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-pacific-life", "institution": "Pacific Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Variable, fixed and indexed annuities (non-qualified and IRA)", "Structured settlement annuities" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "Trust/Entity Name line for each beneficiary", "quote": "Complete for each person/entity you wish to designate as a beneficiary ... Bene 1 Trust/Entity Name", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each beneficiary (person or entity) is classed Primary or Contingent", "quote": "Bene 1 Trust/Entity Name ... Total percentages must equal 100% for all beneficiaries designated as primary beneficiaries and 100% for all beneficiaries designated as contingent beneficiaries", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and SSN/TIN; no trust date or trustee field", "quote": "Bene 1 Trust/Entity Name ... Bene 1 SSN/TIN", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "3", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "per stirpes refused", "quote": "Pacific Life only supports primary and contingent beneficiary designations for Structured Settlement annuities. Per Stirpes ... beneficiary designations are not supported.", "account_type": "Structured settlement annuities", "page": "1", "source_url": "https://ssa.pacificlife.com/content/dam/paclife/rsd/ssa/public/forms/contract-change-request.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "per capita is the default; another distribution may be requested when a beneficiary is added or changed", "quote": "A per capita designation will be used upon the death of any beneficiary, unless otherwise requested at the time a beneficiary is added or changed.", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "4", "source_url": "https://www.annuities.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/13033.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "per stirpes designations refused", "quote": "Per Stirpes beneficiary designations are not supported.", "account_type": "Structured settlement annuities", "page": "1", "source_url": "https://ssa.pacificlife.com/content/dam/paclife/rsd/ssa/public/forms/contract-change-request.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "only primary and contingent designations; other documents are not reviewed", "quote": "I acknowledge that any additional documents submitted to Pacific Life regarding beneficiary designations will be neither returned nor reviewed.", "account_type": "Structured settlement annuities", "page": "2", "source_url": "https://ssa.pacificlife.com/content/dam/paclife/rsd/ssa/public/forms/contract-change-request.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "contract owner approves every change, under the settlement agreement", "quote": "All beneficiary change requests must be approved by the owner of the contract. Approval is subject to the terms of the Settlement Agreement.", "account_type": "Structured settlement annuities", "page": "2", "source_url": "https://ssa.pacificlife.com/content/dam/paclife/rsd/ssa/public/forms/contract-change-request.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "In the event that no beneficiaries have been designated or that no beneficiaries have been clearly identified, Pacific Life may pay the death benefit proceeds ... to the owner's estate", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per capita among the class unless otherwise requested (13033 terms); equal shares within a class", "quote": "A per capita designation will be used upon the death of any beneficiary, unless otherwise requested at the time a beneficiary is added or changed. ... if two or more beneficiaries are designated in the same classification, each will share equally", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "4", "source_url": "https://www.annuities.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/13033.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states; Spouse's Signature line (if applicable)", "quote": "Spouse's signature may be required in community property states.", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; additional sheet signed by all owners", "quote": "For additional beneficiaries, attach a separate sheet signed and dated by all owners, including ... all the information requested below", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "2", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notarized signature required", "quote": "For Beneficiary changes, your signature must be witnessed by a Notary Public", "account_type": "Structured settlement annuities", "page": "2", "source_url": "https://ssa.pacificlife.com/content/dam/paclife/rsd/ssa/public/forms/contract-change-request.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; overnight delivery; fax (New York, Pacific Life & Annuity Company, P.O. Box 2829)", "quote": "P.O. Box 2378 ... ALL OVERNIGHT DELIVERIES ... Fax: (888) 837-8172", "account_type": "Variable, fixed and indexed annuities (non-qualified and IRA)", "page": "1", "source_url": "https://www.pacificlife.com/content/dam/paclife/rsd/annuities/public/forms/maintenance/w25065.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-principal", "institution": "Principal Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named on any beneficiary line (Change of Beneficiary RF 870-21)", "quote": "When designating a trust as a beneficiary, the trust date must be included for the change to be accepted. ... Full name or Trust/Entity", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line, including a trust, is marked primary or contingent", "quote": "Please check the appropriate Primary or Contingent box for each beneficiary. ... Full name or Trust/Entity", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date required (name, TIN also asked)", "quote": "When designating a trust as a beneficiary, the trust date must be included for the change to be accepted.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date; trustee name not required", "quote": "When designating a trust as a beneficiary, the trust date must be included for the change to be accepted.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a \"Per stirpes\" box on each beneficiary line of the application", "quote": "Primary % Print full name Relationship to owner Date of birth ... Per stirpes Social security number Email address Phone number", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "web page", "source_url": "https://www.sec.gov/Archives/edgar/data/9712/000110465924057237/tm2330807d8_ex4-v.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a predeceased beneficiary's share to that beneficiary's surviving children (birth or adoption) equally", "quote": "If any beneficiary pre-deceases the owner and leaves children, by birth or legal adoption, who survive the owner, such children of the beneficiary shall receive in equal portion the share of the proceeds the beneficiary would have received if living.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class designations accepted; details of each current class member should be given", "quote": "If a class of beneficiaries is named, the name, address, social security number, date of birth, telephone number and relationship of each current beneficiary in that class should be provided.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "every change subject to Principal's approval", "quote": "This request for change of beneficiary is subject to Principal's approval. If approved and recorded, the change is effective as indicated in your contract.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "outright (court conservator likely needed), trust for the minor, or UTMA custodian and substitute on form DD 944", "quote": "Minor as outright beneficiary. A minor child may simply be designated as a beneficiary with no mention of payment to any adult ... Nomination of custodian for minor. The beneficiary designation may include the nomination of a future custodian and a substitute under the Uniform Transfers to Minors Act.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate; stated in the Principal Freedom variable annuity prospectus (2016), product-specific", "quote": "If no beneficiary(ies) survive you, the death benefit is paid to your estate in a single payment.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "43", "source_url": "https://www.principal.com/retirement/ind/rf668a.pdf", "form_number": "UHHGRP60", "revision_date": "2016-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "equally to surviving beneficiaries unless other written instructions (Freedom prospectus); per stirpes beneficiaries, to the predeceased beneficiary's children (Strategic Income application)", "quote": "If a beneficiary dies before you, on your death we will make equal payments to the surviving beneficiaries unless you provided us with other written instructions. ... If any beneficiary pre-deceases the owner and leaves children, by birth or legal adoption, who survive the owner", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "web page", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; attach separate signed pages", "quote": "Check this box if there are more than four (4) beneficiary designations. Please include a separate page with the additional beneficiary designations.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "wet ink signature", "quote": "Ink must be used.", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; email", "quote": "RIS Annuity Services 711 High Street Des Moines, IA 50392-1770 Fax Number 866.894.2087 ... email: annuityprocessing@principal.com", "account_type": "Principal Strategic Income index-linked deferred annuity (application, owner's beneficiary)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=RF870&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-17", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-protective", "institution": "Protective Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "Empower Annuity Insurance Company of America individual variable annuity administered by Protective (Beneficiary Designation Form Rev. PL.07/20 and 02/23)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named (VA application)", "quote": "If the Beneficiary is a Trust, please include the date of the Trust and TIN", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "each line, including a trust, is marked primary or contingent", "quote": "Date of Birth/Date of Trust ... Contingent", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust date and TIN", "quote": "If the Beneficiary is a Trust, please include the date of the Trust and TIN", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust date; trustee name not asked", "quote": "If the Beneficiary is a Trust, please include the date of the Trust and TIN", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes checkbox on each beneficiary line (VA application)", "quote": "Per ... Stirpes", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "banned_language": { "value": "yes", "detail": "whole percentages only; joint withdrawal benefit requires the spouse as 100% primary", "quote": "Must Indicate Full Percentages ... If you have elected Joint Guaranteed Annual Withdrawals you must name your spouse as 100% primary beneficiary.", "account_type": "Empower Annuity Insurance Company of America individual variable annuity administered by Protective (Beneficiary Designation Form Rev. PL.07/20 and 02/23)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/Beneficiary_Designation_Form_Rev.PL.07.20.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "custom_review_process": { "value": "yes", "detail": "beneficiary types subject to Protective's approval", "quote": "Beneficiary type may not be allowed for all products or plan types and are subject to approval.", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "minor may be named; state requirements apply at claim", "quote": "If the beneficiary is a minor at the time of the owner's death, additional information may be required to establish any payout options elected.", "account_type": "Empower Annuity Insurance Company of America individual variable annuity administered by Protective (Beneficiary Designation Form Rev. PL.07/20 and 02/23)", "page": "3", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/Beneficiary_Designation_Form_Rev.PL.07.20.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate; joint-owned non-qualified, surviving owner is 100% primary; custodial contracts, custodian", "quote": "If there are no surviving beneficiaries, proceeds will be paid to the owner's estate. ... For non-qualified annuities with Joint Owners, the Primary Beneficiary will be the Surviving Owner, 100%.", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "equally to surviving primaries, then contingents, unless instructed otherwise", "quote": "proceeds will be paid equally to all primary beneficiaries surviving the owner ... If all primary beneficiaries have predeceased the owner, proceeds will be paid to the named contingent beneficiaries equally unless instructed otherwise.", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "1", "source_url": "https://www.ild1.protective.com/protectivelife/forms/pdf/LAD-1225_7.13.pdf", "form_number": "LAD-1225", "revision_date": "2013-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "spouse must consent unless 100% primary unrestricted beneficiary; community property and other states", "quote": "Spousal Consent (required for any election where the spouse is not 100% primary unrestricted beneficiary)", "account_type": "Empower Annuity Insurance Company of America individual variable annuity administered by Protective (Beneficiary Designation Form Rev. PL.07/20 and 02/23)", "page": "3", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/Beneficiary_Designation_Form_Rev.PL.07.20.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs Section 5 (no notary stated); without it the spouse may void the election", "quote": "NOTE: If not completed, depending on the laws of your state, a spousal beneficiary may have the option to void this election at the death of the contract owner.", "account_type": "Empower Annuity Insurance Company of America individual variable annuity administered by Protective (Beneficiary Designation Form Rev. PL.07/20 and 02/23)", "page": "3", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/Beneficiary_Designation_Form_Rev.PL.07.20.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "5 lines on the application (6 on LAD-1225); Beneficiary Continuation Form", "quote": "Check this box if there are additional beneficiaries and attach the Beneficiary Continuation Form.", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/RIA_IBAVA-AppPkt-TN.pdf", "form_number": "ANB-2175", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "mail; fax", "quote": "Post Office Box 1928 / Birmingham, AL 35201-1928 ... Fax: 205-268-6479", "account_type": "Protective individual annuities (Protective Life, West Coast Life, PLAIC; Beneficiary Information Request LAD-1225; Investors Benefit Advisory VA application)", "page": "1", "source_url": "https://www.ild1.protective.com/protectivelife/forms/pdf/LAD-1225_7.13.pdf", "form_number": "LAD-1225", "revision_date": "2013-07", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-prudential", "institution": "Prudential Financial (Pruco Life, Prudential Annuities, The Prudential Insurance Company of America)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Deferred annuities (Prudential Annuities, PICA, Pruco Life; forms page only)", "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "Beneficiary Continuation Option (beneficiary's continuation of an inherited Prudential deferred annuity: NQ, IRA, SEP, Roth, 403(b); form ORD 04409 Ed. 11/22)" ], "florida": false, "fields": { "trust_details_required": { "value": "yes", "detail": "trust as beneficial owner, grantor trust gives grantor name, SSN, date of birth and trust date; qualified trust gives the oldest beneficiary's name, SSN and date of birth and the trust date", "quote": "Entity/Trust Ownership Only (Non-natural person), check one of the two boxes below. ... Name of Oldest Beneficiary ... Grantor's Social Security/Tax I.D. Number", "account_type": "Beneficiary Continuation Option (beneficiary's continuation of an inherited Prudential deferred annuity: NQ, IRA, SEP, Roth, 403(b); form ORD 04409 Ed. 11/22)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/2-10-2023/ORD_04409_1122_ADA_NF.pdf", "form_number": "ORD 04409", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "a trust that inherits and elects the BCO checks the qualified trust box, representing the five see-through criteria incl. documentation to the issuer by October 31 of the year after death; the oldest trust beneficiary is the Key Life", "quote": "This is a Qualified Trust for federal income tax purposes that meets and complies with Treasury Regulations Sections 1.401(a)(9)-4. ... By indicating that the owner is a qualified trust, you are representing that all of the following criteria have been met", "account_type": "Beneficiary Continuation Option (beneficiary's continuation of an inherited Prudential deferred annuity: NQ, IRA, SEP, Roth, 403(b); form ORD 04409 Ed. 11/22)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/2-10-2023/ORD_04409_1122_ADA_NF.pdf", "form_number": "ORD 04409", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a \"by representation\" children class may be checked as primary, contingent or tertiary; the form does not use the words per stirpes", "quote": "Children born of the claimant/payee, their children by representation.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "3", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation, a predeceased child's share to that child's children equally", "quote": "This provides that if one of the claimant/payee's children dies before the claimant/payee and any joint claimant/payee, and that child has children, that child's children (this is, the claimant/payee's grandchildren by that child) will receive the parent's share, equally divided.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "3", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "children of the payee, children of a named marriage, or children by representation; living children must still be listed", "quote": "You may designate beneficiaries either by name, including their relationship to the claimant/payee (\"Jane Doe, wife\"), or by class or group (\"children of the claimant/payee\"). ... List all living children belonging to the selected class in the spaces that follow.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "a separate letter; Prudential suggests legal advice for complex designations", "quote": "If your beneficiary designations cannot be described using this form, please send us a separate letter with this information. We will contact you if necessary.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "Prudential contacts the payee if needed and may refuse a designation it finds in conflict with law, a court order or the contract", "quote": "Agree that Prudential may refuse to accept and make effective any beneficiary designation or revocation that Prudential has in good faith determined is, or may be in conflict with, any applicable law, court order, or contract.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "4", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate box excludes all other beneficiaries", "quote": "If you would like to designate your estate as your beneficiary, please check only the appropriate box at the end of Section 3.", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "1", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the beneficiary (beneficial owner) names primary and contingent successors with percentages", "quote": "SECTION 4 SUCCESSOR(S) ... The individual(s) that the Beneficial Owner names as beneficiary(ies) to this Agreement. ... CONTINGENT SUCCESSOR(S)", "account_type": "Beneficiary Continuation Option (beneficiary's continuation of an inherited Prudential deferred annuity: NQ, IRA, SEP, Roth, 403(b); form ORD 04409 Ed. 11/22)", "page": "2", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/annuities/Forms-Annuity-Firm/pdfs/2-10-2023/ORD_04409_1122_ADA_NF.pdf", "form_number": "ORD 04409", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving members of the same category, pro rata; equal shares unless stated", "quote": "If any member of a category dies before becoming entitled to receive payments under the SSA Contract(s), the surviving members of such category will receive in proportion to their relative share rights", "account_type": "Structured settlement annuity, payee's beneficiary designation (PICA form SS_FM_RE12_01 Ed. 08/2022)", "page": "3", "source_url": "https://www.prudential.com/content/dam/us/sites/advisors/structured-settlements/pdfs/BeneficiaryChangeForm-RSFM128.pdf", "form_number": "SS_FM_RE12_01", "revision_date": "2022-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online after login", "quote": "Change your beneficiary ... Change a beneficiary or update their information for your policy. ... In the Quick Actions , click Change Beneficiaries.", "account_type": "Deferred annuities (Prudential Annuities, PICA, Pruco Life; forms page only)", "page": "web page", "source_url": "https://www.prudential.com/links/forms/annuities", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online", "quote": "Change a beneficiary or update their information for your policy. ... In the Quick Actions , click Change Beneficiaries.", "account_type": "Deferred annuities (Prudential Annuities, PICA, Pruco Life; forms page only)", "page": "web page", "source_url": "https://www.prudential.com/links/forms/annuities", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-sammons", "institution": "Sammons Financial Group (Midland National, North American)", "segment": "insurer", "account_group": "annuity", "account_types": [ "Midland National annuity beneficiary designation (form 8849Y)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust section at the foot of each beneficiary page; testamentary and charitable trusts allowed (charitable needs 26742Y)", "quote": "Please use the bottom of the page to designate a Trust as a Primary Beneficiary.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "2", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same trust section for owner's and annuitant's contingent beneficiaries", "quote": "Please use the bottom of the page to designate a Trust as a Contingent Beneficiary.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "3", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN, trust date, trustee name, address, email, phone, SSN and date of birth; testamentary and charitable questions", "quote": "Tax Identification number ... Trustee name ... Trustee mailing address (must be completed) ... Trustee Social Security number ... Is this a Testamentary Trust?", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name, address and SSN are fields in the trust section", "quote": "Trust date (mm/dd/yyyy) ... Trustee name", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "2", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Certification of Trust agreement (19306Y) lists naming a trust beneficiary among its uses; charitable trusts must attach 26742Y; the trust instrument itself is not requested", "quote": "If a Charitable Trust is listed as a Beneficiary the Certification of Charitable Trust (26742Y) must be attached. ... When assigning or changing a Beneficiary to a Trust", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes or per capita box on each beneficiary line", "quote": "Designate if you want the Beneficiary designation to be per stirpes or per capita.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a deceased beneficiary's children share equally in that share; the children must be listed on a signed separate sheet", "quote": "Per stirpes definition: A common way of distributing proceeds where if one or more Beneficiaries has died, his or her children share equally in his or her share of the proceeds.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "per capita box on each line; per capita is the default", "quote": "Designate if you want the Beneficiary designation to be per stirpes or per capita. If an election is not made then by default it will be per capita.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate can be named in the non-living entity section", "quote": "Trust (or other non-living entity, e.g., corporation, estate, etc.)", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "2", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per capita (default), survivors share equally; per stirpes, the deceased beneficiary's children take the share; contingents take if no primary survives", "quote": "If one of the Beneficiaries does not survive the Owner/Annuitant than the remaining Beneficiaries receive the proceeds split equally. ... If the Owner's Primary Beneficiary is no longer living at the same time of the Owner's death, the Owners Contingent Beneficiary will receive the death benefit proceeds.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "spouse signature only recommended in community property states (AK, AZ, CA, ID, LA, NV, NM, TX, WA, WI); not required", "quote": "we strongly recommend that you obtain your spouse's signature on the line below to document his/her consent to this transaction ... Midland National may presume that no community property interest exists if you have not obtained your spouse's signature below", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "6", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines per section; a signed and dated extra sheet may be attached", "quote": "If you want to designate more Beneficiaries than this form allows, fill out the required information on a separate sheet of paper that is signed and dated according to section eight (8) of this form.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at My.MidlandNational.com", "quote": "How to update your Beneficiaries ... Select Beneficiaries from the What would you like to do today? menu.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "6", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; online (a fax number appears in the footer)", "quote": "P.O. Box 10385, Des Moines, IA 50306-0385 ... Select Beneficiaries from the What would you like to do today? menu.", "account_type": "Midland National annuity beneficiary designation (form 8849Y)", "page": "1", "source_url": "https://mconnect.iscorp.com/sammons/viewDocument.action?gid=1171&itemNbr=8849Y", "form_number": "8849Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "annuity", "account_types": [ "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "living or testamentary trust; trust beneficiaries must be eligible under Thrivent's fraternal bylaws when the claim is paid", "quote": "Inter Vivos Trust: Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN). ... Trust beneficiaries must qualify as eligible beneficiaries under the bylaws of Thrivent", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "an entity may be named in either class", "quote": "A primary beneficiary must be named. Contingent beneficiaries are optional. ... Naming an Entity (Trust/Charity/Business/Estate)", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "exact trust name plus trust date or TIN; testamentary trust by the name used in the will", "quote": "Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN). ... Provide the exact name of the trust named in the Last Will and Testament.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "exact trust name plus date or TIN; no trustee name", "quote": "Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN).", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, the trustee completes Certification of Trust 24143A (claim form 28E)", "quote": "Trustee - complete a Certification of Trust, form 24143A", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28E.pdf", "form_number": "28E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary; not for spouse or parent; added with Thrivent approval", "quote": "Select this only if the beneficiary's share should pass to that person's descendants if they pass away before the insured. Per Stirpes may not be used for spouse and/or parent relationships.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants of the predeceased beneficiary (natural or adopted, no step-children); form 5909A affidavit at claim", "quote": "Per Stirpes is a stipulation directing that proceeds pass to the descendants of a beneficiary if that beneficiary pre-deceases the insured. ... All provisions outlined under Group Designations will also apply to a Per Stirpes stipulation.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "children, sons, daughters, siblings, half-siblings, grandchildren, great-grandchildren, granddaughters, grandsons; natural or adopted only", "quote": "Thrivent will only approve the following Group Designations: 1) children; 2) sons; 3) daughters", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "only 11 listed group designations; per stirpes not for spouse or parent", "quote": "Thrivent will only approve the following Group Designations ... Per Stirpes may not be used for spouse and/or parent relationships.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "84", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "section 3 of form 307 for complex, custom or attorney-drafted designations", "quote": "This section may be used to continue after more than four (4) beneficiaries have been named in section 2 or for complex/custom language or legal drafted designations.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "every designation needs Thrivent approval; unequal shares and per stirpes need approval", "quote": "This beneficiary designation is effective and revokes all previous beneficiary designations upon submission to and approval by Thrivent. ... Instead of equal shares, specific dollar or percentages are permitted with approval.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian on form; otherwise UTMA of the minor's state; Thrivent may pay an adult family member as custodian", "quote": "If any proceeds are payable to a person under age 18 at the time of claim and you did not designate a custodian, you are deemed to elect to use the state where the minor resides", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named (\"Estate of Owner\" in the online tool)", "quote": "Naming an Entity (Trust/Charity/Business/Estate)", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner or owner's estate, per contract", "quote": "If no beneficiary in any CLASS survives the insured, proceeds shall be paid to the owner or owner's estate as required by your contract.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata within the class, then next class; 15-day survivorship", "quote": "If a beneficiary predeceases the insured(s), shares will be split pro rata between the remaining beneficiaries of the same CLASS. ... A beneficiary will be treated as having predeceased the insured if: 1) that beneficiary dies at the same time as the insured; or 2) within 15 days of the insured.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, divorce decree requiring insurance, or marital property agreement; owner decides and holds Thrivent harmless", "quote": "Your SPOUSE's signature may be required in circumstances such as the following: ... You live or have lived in a community property state", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four in section 2; section 3 continuation for more", "quote": "Use this section for simple designations up to four (4) beneficiaries. ... This section may be used to continue after more than four (4) beneficiaries have been named in section 2", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online tool names individuals and trusts; form 307 for anything else", "quote": "The designation you submit via this tool will completely replace your current designation and must contain all desired primary and contingent beneficiaries.", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/update_worksheet.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online tool; paper form 307 returned to Thrivent", "quote": "download a Beneficiary Designation 307B form (PDF, 1.25MB) to complete and return ... The designation you submit via this tool will completely replace your current designation", "account_type": "Thrivent annuities (same form 307 and Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/update_worksheet.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-transamerica", "institution": "Transamerica Life Insurance Company", "segment": "insurer", "account_group": "annuity", "account_types": [ "Transamerica Life variable annuity (Principium IV, Florida application 81605291)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "If a Trust is named as Beneficiary and a Joint option is selected in Section 7B, submit the Certification When the Beneficiary is a Trust Form and return with the application.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "\"Certification When the Beneficiary is a Trust\" form, only when a Joint living benefit rider is elected", "quote": "If a Trust is named as Beneficiary and a Joint option is selected in Section 7B, submit the Certification When the Beneficiary is a Trust Form and return with the application.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the terms of the policy", "quote": "If a designation is incomplete or there are no surviving beneficiaries at the time a claim is processed, proceeds will be payable per the terms of the policy.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines; Additional Beneficiary Form for more", "quote": "Check if there are more Beneficiaries and complete the Additional Beneficiary Form and return with the", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "transamerica-401k", "institution": "Transamerica Retirement Solutions", "segment": "recordkeeper", "account_group": "annuity", "account_types": [ "Transamerica Life variable annuity (Principium IV, Florida application 81605291)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "If a Trust is named as Beneficiary and a Joint option is selected in Section 7B, submit the Certification When the Beneficiary is a Trust Form and return with the application.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "\"Certification When the Beneficiary is a Trust\" form, only when a Joint living benefit rider is elected", "quote": "If a Trust is named as Beneficiary and a Joint option is selected in Section 7B, submit the Certification When the Beneficiary is a Trust Form and return with the application.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the terms of the policy", "quote": "If a designation is incomplete or there are no surviving beneficiaries at the time a claim is processed, proceeds will be payable per the terms of the policy.", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines; Additional Beneficiary Form for more", "quote": "Check if there are more Beneficiaries and complete the Additional Beneficiary Form and return with the", "account_type": "Transamerica Life variable annuity (Principium IV, Florida application 81605291)", "page": "5", "source_url": "https://www.transamerica.com/sites/default/files/forms/34469/81605291%28FL%29_0726.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-achieva", "institution": "Achieva Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, checking and savings accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "without a POD designation the owner's estate takes; the CU may hold funds for a court order or, with no probate, pay any heir; the case of no surviving POD beneficiary is not separately stated", "quote": "the interest of a deceased individual owner will pass to the decedent's estate or Payable on Death (POD) beneficiary ... If there is no joint owner or beneficiary designation, we may hold the Account funds until we receive a proper court order or where there is no estate or probate proceeding, at our sole discretion, we may pay the funds to any heir", "account_type": "POD share, checking and savings accounts", "page": "10", "source_url": "https://www.achievacu.com/PDFs/Important_Info_Consumer_Acct.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take; two or more surviving beneficiaries own the funds jointly with right of survivorship", "quote": "upon the death of the last Account owner, such POD Account(s) are payable to any surviving named beneficiary(ies) as designated on your Signature Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship.", "account_type": "POD share, checking and savings accounts", "page": "12", "source_url": "https://www.achievacu.com/PDFs/Important_Info_Consumer_Acct.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "general clause for all account documents, signature on an electronic signature pad or by PIN; not specific to POD designations", "quote": "You agree that no pen-upon-paper signature is necessary to authenticate your agreement with any document which is retained by the Credit Union, but that the Credit Union may rely upon an electronic version of the signature of any owner", "account_type": "POD share, checking and savings accounts", "page": "16", "source_url": "https://www.achievacu.com/PDFs/Important_Info_Consumer_Acct.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "designation on the Signature Card; removal of beneficiaries in writing, accepted by the CU (channel not stated)", "quote": "The owner may remove from ownership in the POD Account any or all beneficiaries at any time. ... To be binding on the Credit Union, such revocation must be in writing and accepted by us.", "account_type": "POD share, checking and savings accounts", "page": "12", "source_url": "https://www.achievacu.com/PDFs/Important_Info_Consumer_Acct.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-addition-financial", "institution": "Addition Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, checking and certificate accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "with no POD designation the account passes to the owner's estate; the case where no POD beneficiary survives is not addressed", "quote": "Single-Party Account - At the death of a party, ownership passes as part of the party's estate. ... Single-Party Account With Pay-on-Death Designation - At death of the party, ownership passes to the designated pay-on-death beneficiaries and is not part of the party's estate.", "account_type": "POD share, checking and certificate accounts", "page": "11", "source_url": "https://www.additionfi.com/docs/default-source/disclosures/important-account-information-for-our-members-rev-02-2024.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-alliant", "institution": "Alliant Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Savings, supplemental savings and share certificate beneficiary (Beneficiary Add/Delete Form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individual or trust", "quote": "Beneficiaries may be an individual or a Trust.", "account_type": "Savings, supplemental savings and share certificate beneficiary (Beneficiary Add/Delete Form)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/BeneficiaryManagement.pdf", "form_number": "", "revision_date": "2019-04", "wayback_capture": "2026-07-06", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "no contingent beneficiaries on share accounts (2019 form)", "quote": "Alliant does not offer contingent beneficiaries.", "account_type": "Savings, supplemental savings and share certificate beneficiary (Beneficiary Add/Delete Form)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/BeneficiaryManagement.pdf", "form_number": "", "revision_date": "2019-04", "wayback_capture": "2026-07-06", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines on the 2019 form (4 on the 2008 form); additional forms may be used for more beneficiaries, no limit stated", "quote": "you have more than five beneficiaries, you may obtain additional beneficiary", "account_type": "Savings, supplemental savings and share certificate beneficiary (Beneficiary Add/Delete Form)", "page": "2", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/BeneficiaryManagement.pdf", "form_number": "", "revision_date": "2019-04", "wayback_capture": "2026-07-06", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax (2019 form). The 2008 form said in person at a Service Center or mail, and \"Faxed copies are not accepted\"", "quote": "COMPLETE AGREEMENT AND RETURN ... Attn: Account Services ... Fax to: 773-462-2124", "account_type": "Savings, supplemental savings and share certificate beneficiary (Beneficiary Add/Delete Form)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/BeneficiaryManagement.pdf", "form_number": "", "revision_date": "2019-04", "wayback_capture": "2026-07-06", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-ally-bank", "institution": "Ally Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Ally Bank deposit accounts POD / ITF (beneficiaries help page)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust possible; by phone with specific instructions", "quote": "If the payable-on-death beneficiary is a minor, charity or Trust, please call us at 1-877-247-2559 . Our customer care team will provide you with specific instructions related to your situation.", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "deposit POD has no contingent level (IRAs do)", "quote": "there are no primary or contingent designations", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "asks whether the trust's grantors are the account owners; name, SSN/ITIN or ID number, address, date fields per beneficiary", "quote": "If TRUST, are the grantors of the formal trust exactly the same as the owners on the Ally account?", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/beneficiary-election.pdf", "form_number": "", "revision_date": "2023-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor possible; by phone", "quote": "If the payable-on-death beneficiary is a minor, charity or Trust, please call us", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes proportionally to the surviving beneficiaries", "quote": "Only beneficiaries living at the time all owners have died will be entitled to money in the account. If any of your designated beneficiaries die before you, we'll split the money they would've received between the surviving beneficiaries proportionally.", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "10", "source_url": "https://www.ally.com/content/dam/pdf/bank/ally-bank-deposit-agreement.pdf", "form_number": "", "revision_date": "2026-08-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "10 per account; form has 3 slots, use additional forms", "quote": "You can choose up to 10 beneficiaries for each of your non-IRA accounts.", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/beneficiary-election.pdf", "form_number": "", "revision_date": "2023-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online POD, one account at a time, no contingent tier", "quote": "You can only add a beneficiary to one account at a time, and there are no primary or contingent designations", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "secure message upload; mail; fax; online beneficiaries page; phone for allocations", "quote": "Return this form using one of these methods: ... Log in at ally.com and select Email, or log in on the Ally Mobile app and select . Attach the form to your message. ... PO Box 951 ... Fax Number: 866-699-2969", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/beneficiary-election.pdf", "form_number": "", "revision_date": "2023-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "call for the Ally Disclaimer Form; no deadline stated", "quote": "What if I'm a beneficiary and don't want money left in the account? Give us a call at 1-877-247-2559 and request a Disclaimer Form.", "account_type": "Ally Bank deposit accounts POD / ITF (beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-amerant-bank", "institution": "Amerant Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD / ITF deposit accounts" ], "florida": true, "fields": { "custom_designation_accepted": { "value": "yes", "detail": "equal shares by default; the owner may give other written instructions (e.g. unequal shares) on the signature card or by letter", "quote": "We shall pay each then surviving POD an equal amount, unless you instructed us otherwise in writing (e.g., on the signature card, executed letter, or other acceptable form of written communication)", "account_type": "POD / ITF deposit accounts", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be a POD beneficiary; payment to the minor's legal guardians, verified against the birth certificate; no UTMA custodian option", "quote": "In the case of a minor beneficiary, the legal guardians of the minor should be the payee of the balance of the account (e.g., Jane Jetson and George Jetson as guardians for Susie Jetson, minor). A copy of the beneficiary's birth certificate should be obtained", "account_type": "POD / ITF deposit accounts", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving owner", "quote": "If no beneficiary survives the account owner(s), sums on deposit belong to the estate of the last surviving account owner.", "account_type": "POD / ITF deposit accounts", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take; a predeceased beneficiary's share lapses to the survivors", "quote": "we may pay any funds remaining in the account to the then surviving (if any) POD beneficiary(ies) ... A POD beneficiary may acquire an interest in the account at that time but only if the POD beneficiary is alive.", "account_type": "POD / ITF deposit accounts", "page": "8", "source_url": "https://media.amerantbank.com/wp-content/uploads/2023/09/AMTB-Deposit-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-america-first", "institution": "America First Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "America First share and certificate accounts payable on death (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be POD beneficiary, but only on Form #211 (not saved), not on this form", "quote": "Use Form #211 to designate a Trust as the Payable on Death.", "account_type": "America First share and certificate accounts payable on death (POD)", "page": "1", "source_url": "https://www.americafirst.com/content/dam/documents/pod-es.pdf", "form_number": "Form #40", "revision_date": "", "wayback_capture": "2026-05-09", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-american-express-national-bank", "institution": "American Express National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "High Yield Savings and CD POD" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "individuals only (up to six); trusts refused", "quote": "Beneficiaries named on POD accounts must be individuals; POD accounts cannot be set up in the names of trusts.", "account_type": "High Yield Savings and CD POD", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/payable-on-death/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "no trusts at any level; the form has no primary or contingent tiers", "quote": "Beneficiaries named on POD accounts must be individuals; POD accounts cannot be set up in the names of trusts.", "account_type": "High Yield Savings and CD POD", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/payable-on-death/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually with DOB, SSN and address", "quote": "you must include their full name, date of birth, Social Security number, and address ... Beneficiaries named on POD accounts must be individuals", "account_type": "High Yield Savings and CD POD", "page": "web page", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/deposit_account_agreement.pdf", "form_number": "CB-DAA-0126", "revision_date": "2026-01-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "only individuals may be named, so not the owner's estate", "quote": "Beneficiaries named on POD accounts must be individuals", "account_type": "High Yield Savings and CD POD", "page": "web page", "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/faq/payable-on-death/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "living beneficiaries, equal shares", "quote": "Upon your death (or in the case of a Joint Account, on the death of the last-surviving Joint Account owner), all of the funds in the Payable on Death Account will be owned by the beneficiary if then living. If there is more than one beneficiary, funds will be owned by the beneficiaries then living in equal shares.", "account_type": "High Yield Savings and CD POD", "page": "9", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/deposit_account_agreement.pdf", "form_number": "CB-DAA-0126", "revision_date": "2026-01-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse or domestic partner signs on the form; no notary", "quote": "Spouse/Domestic Partner Signature (Community Property States): By signing below, I acknowledge that I have read the ... I relinquish all statutory and other community property and marital property rights", "account_type": "High Yield Savings and CD POD", "page": "2", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/Beneficiary_Designation_Form_AENB_2023.pdf", "form_number": "Beneficiary_Designation_Form_AENB_2023", "revision_date": "2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "up to six individuals per account; 5 lines on the form", "quote": "Please note that you may designate up to six individuals as ... We reserve the right to limit the total number of beneficiaries you may designate on any Account.", "account_type": "High Yield Savings and CD POD", "page": "1", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/Beneficiary_Designation_Form_AENB_2023.pdf", "form_number": "Beneficiary_Designation_Form_AENB_2023", "revision_date": "2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online (My Profile, Manage Beneficiaries) or paper form", "quote": "To update your beneficiaries quicker, and review your most current designations, please log in to your account at go.amex/savings. Click My Profile, then select Manage Beneficiaries.", "account_type": "High Yield Savings and CD POD", "page": "1", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/Beneficiary_Designation_Form_AENB_2023.pdf", "form_number": "Beneficiary_Designation_Form_AENB_2023", "revision_date": "2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail; online", "quote": "PLEASE SUBMIT REQUEST VIA FAX OR MAIL TO ONE OF THE FOLLOWING ... Click My Profile, then select Manage Beneficiaries.", "account_type": "High Yield Savings and CD POD", "page": "1", "source_url": "https://www.americanexpress.com/content/dam/amex/en-us/banking/personal-savings/Beneficiary_Designation_Form_AENB_2023.pdf", "form_number": "Beneficiary_Designation_Form_AENB_2023", "revision_date": "2023", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-ameriprise-bank", "institution": "Ameriprise Bank, FSB", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Ameriprise Bank savings and CD POD" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "natural persons only, up to five", "quote": "You may designate one or more natural persons as payable on death (\"POD\") beneficiaries (up to five)", "account_type": "Ameriprise Bank savings and CD POD", "page": "10", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "natural persons only", "quote": "You may designate one or more natural persons as payable on death (\"POD\") beneficiaries (up to five)", "account_type": "Ameriprise Bank savings and CD POD", "page": "10", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "natural persons only (the estate takes by default)", "quote": "You may designate one or more natural persons as payable on death", "account_type": "Ameriprise Bank savings and CD POD", "page": "10", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "last owner's estate \"in most cases\" (FAQ)", "quote": "If all POD beneficiaries pass away before the last owner dies, in most cases, the proceeds of the account will be due to the estate of the final owner. ... In most cases, not naming a beneficiary means that the proceeds of your accounts will be paid to the estate", "account_type": "Ameriprise Bank savings and CD POD", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal among survivors", "quote": "we will allocate any funds remaining in the applicable Account to the then surviving, if any, POD beneficiary(ies), in equal shares", "account_type": "Ameriprise Bank savings and CD POD", "page": "10", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "up to five natural persons", "quote": "You may designate one or more natural persons as payable on death (\"POD\") beneficiaries (up to five)", "account_type": "Ameriprise Bank savings and CD POD", "page": "10", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/ameriprise_bank_savings_account_deposit_account_agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online only", "quote": "Online in the secure site on ameriprise.com (this is the only option available for Ameriprise Bank products.)", "account_type": "Ameriprise Bank savings and CD POD", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online only", "quote": "Online in the secure site on ameriprise.com (this is the only option available for Ameriprise Bank products.)", "account_type": "Ameriprise Bank savings and CD POD", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "shown immediately online; confirmation letter in two to four weeks (FAQ, all Ameriprise accounts)", "quote": "When updated online, your beneficiary information will show immediately on the secure site Beneficiaries page. ... you will receive a beneficiary confirmation letter within two to four weeks", "account_type": "Ameriprise Bank savings and CD POD", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-associated-bank", "institution": "Associated Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD account" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "individual account without POD, owner's estate", "quote": "Upon the death of the individual Account owner, the funds will be released to the legal representative of the owner's estate or, if there is none, in accordance with applicable law.", "account_type": "POD account", "page": "web page", "source_url": "https://www.associatedbank.com/forms-and-disclosures/disclosures/deposit-account-agreement", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal unless form says otherwise; a beneficiary who dies after the owner takes through his estate", "quote": "If more than one POD beneficiary is designated, the funds belong to the surviving POD beneficiary(ies) equally, unless otherwise set forth on any applicable POD beneficiary designation form, with no right of survivorship. This means, for example, that where two POD beneficiaries survive the original Account holder, but one of the POD beneficiaries dies thereafter, the funds will be paid equally to the living POD beneficiary and to the estate of the deceased POD beneficiary.", "account_type": "POD account", "page": "web page", "source_url": "https://www.associatedbank.com/forms-and-disclosures/disclosures/deposit-account-agreement", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "bank forms from an Associated Banker; written notice signed by all account holders", "quote": "To set up a POD beneficiary on your Account, ask your Associated Banker for the proper forms. ... upon written notice to the Bank", "account_type": "POD account", "page": "web page", "source_url": "https://www.associatedbank.com/forms-and-disclosures/disclosures/deposit-account-agreement", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-atlantic-union-bank", "institution": "Atlantic Union Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD account (ITF and TOD titles treated as POD)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "equal shares; unequal only for retirement accounts", "quote": "The beneficiary or beneficiaries must survive all owners to receive payment. Multiple beneficiaries will be paid in equal shares, except that the owners of retirement accounts may designate unequal", "account_type": "POD account (ITF and TOD titles treated as POD)", "page": "5", "source_url": "https://www.atlanticunionbank.com/getmedia/e0dcffd3-1ccf-4841-a00b-0a650c9a343e/consumer-deposit-account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement", "revision_date": "2025-08-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing (any owner or co-owner)", "quote": "You or any co-owner may change a beneficiary or beneficiaries at any time by notifying us in writing and giving us a reasonable opportunity to act on such writing.", "account_type": "POD account (ITF and TOD titles treated as POD)", "page": "", "source_url": "https://www.atlanticunionbank.com/getmedia/e0dcffd3-1ccf-4841-a00b-0a650c9a343e/consumer-deposit-account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement", "revision_date": "2025-08-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit POD" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "to remaining beneficiaries", "quote": "The share of any beneficiary who predeceases the account Owner(s) will be paid to the remaining beneficiary or beneficiaries, if there are any.", "account_type": "Deposit POD", "page": "15", "source_url": "https://www.axosbank.com/-/media/Axos/Documents/Legal/Personal-Deposit-Account-Agreement-and-Schedule-of-Fees--Axos.pdf", "form_number": "Personal Deposit Account Agreement and Schedule of Fees", "revision_date": "2026-09-18", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bank-of-america", "institution": "Bank of America, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD (also ITF, TOD, Totten trust titles)" ], "florida": false, "fields": { "ldps_or_descendants_allowed": { "value": "no", "detail": "each POD beneficiary must be listed (name, citizenship, date of birth, SSN or address)", "quote": "You must instruct us to list each POD beneficiary on the account ... payable on your death (or the death of the last surviving co-owner) to one or more payees named in the title of the account", "account_type": "Deposit account POD (also ITF, TOD, Totten trust titles)", "page": "5", "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/", "form_number": "Deposit Agreement and Disclosures", "revision_date": "2026-05-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "no valid POD, sole-owned account paid through probate (to the estate) or small estate process", "quote": "If you do not meet these requirements, we may treat your account as though there is no POD beneficiary. ... If beneficiaries are named, funds will be made payable to the named beneficiaries on the account(s). ... If probate documents are presented, checks are made payable to the", "account_type": "Deposit account POD (also ITF, TOD, Totten trust titles)", "page": "5", "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/", "form_number": "Deposit Agreement and Disclosures", "revision_date": "2026-05-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries only, equal shares", "quote": "When the account owner or last co-owner dies, we may pay any funds remaining in the account to the then surviving (if any) POD beneficiary(ies). We may distribute the account balance, subject to any bank claims, to one or all surviving beneficiaries jointly, or payable individually, in equal shares, to each surviving beneficiary. ... the POD beneficiary must be alive to have an interest.", "account_type": "Deposit account POD (also ITF, TOD, Totten trust titles)", "page": "5", "source_url": "https://www.bankofamerica.com/salesservices/deposits/resources/deposit-agreements/", "form_number": "Deposit Agreement and Disclosures", "revision_date": "2026-05-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "self-service online", "quote": "In order to add, remove or update a payable on death (POD) beneficiary on your Bank of America account, you can visit the Your Beneficiary self-service pages", "account_type": "Deposit account POD (also ITF, TOD, Totten trust titles)", "page": "web page", "source_url": "https://www.bankofamerica.com/signature-services/account-ownership-changes/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online self-service; in person at a financial center with written notice (Beneficiary Addendum)", "quote": "In order to add, remove or update a payable on death (POD) beneficiary on your Bank of America account, you can visit the Your Beneficiary self-service pages ... You may change, add or remove the name of any payee or beneficiary anytime by visiting a financial center and providing us with proper written notice. ... Beneficiary Addendum is to be completed by the account owner stating what party(s) are to receive the funds", "account_type": "Deposit account POD (also ITF, TOD, Totten trust titles)", "page": "web page", "source_url": "https://www.bankofamerica.com/signature-services/account-ownership-changes/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bank-ozk", "institution": "Bank OZK", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Bank OZK Pay-On-Death deposit account (Arkansas Terms and Conditions of Your Account)", "Bank OZK Texas P.O.D. and statutory trust account (Uniform Single-Party or Multiple-Party Account Selection Form)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "statutory trust account passes to the trustee's estate only if the trustee survives all beneficiaries and trustees", "quote": "The trust account is not part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.", "account_type": "Bank OZK Texas P.O.D. and statutory trust account (Uniform Single-Party or Multiple-Party Account Selection Form)", "page": "web page", "source_url": "https://www.ozk.com/disclosures/tx-pod-disclosure.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a beneficiary must survive all owners; surviving natural-person beneficiaries share equally with survivorship", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living ... If two or more beneficiaries who are natural persons are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, with right of survivorship.", "account_type": "Bank OZK Pay-On-Death deposit account (Arkansas Terms and Conditions of Your Account)", "page": "web page", "source_url": "https://www.ozk.com/disclosures/certificates-of-deposit/ar-terms-and-conditions-of-your-account.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "only one beneficiary if it is a non-natural person; any number of natural persons", "quote": "You may name a single non-natural person as a beneficiary. Or, if all beneficiaries are natural persons, you may name one or more beneficiaries.", "account_type": "Bank OZK Pay-On-Death deposit account (Arkansas Terms and Conditions of Your Account)", "page": "web page", "source_url": "https://www.ozk.com/disclosures/certificates-of-deposit/ar-terms-and-conditions-of-your-account.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bankunited", "institution": "BankUnited, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable on Death (ITF, Totten trust) account" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "equal shares", "quote": "If more than one beneficiary is named in our records, they will share equally in the account proceeds.", "account_type": "Payable on Death (ITF, Totten trust) account", "page": "3", "source_url": "https://www.bankunited.com/docs/default-source/deposit-account-agreement/deposit-account-agreement.pdf?sfvrsn=bead569c_9", "form_number": "Deposit Account Agreement", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-banner-bank", "institution": "Banner Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts (checking, savings, money market, CDs)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "if no POD beneficiary survives, the account reverts to the surviving owner(s) as an individual or survivorship account, and an individual account passes as part of the owner's estate; the business agreement says a sole proprietor's account without POD passes under the will or by intestacy", "quote": "If no beneficiary survives all of the account owners, then the account shall be treated as an individual account (if there is one surviving account owner) or as a joint account with right of survivorship ... On the death of the party, ownership passes as part of the party's estate.", "account_type": "POD deposit accounts (checking, savings, money market, CDs)", "page": "3", "source_url": "https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/consumer-disclosure_ada.pdf?rev=cc221b0f34574401b64a3772f311acbe&sc_lang=en&hash=1EFC70836EFC2C5B843D2050F953B714", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive all owners take, in equal shares unless otherwise indicated; a predeceased beneficiary's share is not paid to that beneficiary's estate or descendants", "quote": "A beneficiary can only acquire withdrawal rights by surviving all of the account owners. If more than one named beneficiary survives all of the account owners, then the beneficiaries will be entitled to equal shares of the funds without right of survivorship, unless otherwise indicated.", "account_type": "POD deposit accounts (checking, savings, money market, CDs)", "page": "3", "source_url": "https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/consumer-disclosure_ada.pdf?rev=cc221b0f34574401b64a3772f311acbe&sc_lang=en&hash=1EFC70836EFC2C5B843D2050F953B714", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "in writing, in a form acceptable to the bank (channel not specified)", "quote": "The account owner(s) may change the named beneficiaries at any time by written direction in a form acceptable to us.", "account_type": "POD deposit accounts (checking, savings, money market, CDs)", "page": "3", "source_url": "https://www.bannerbank.com/-/media/project/banner-bank/dotcom/pdfs/consumer-disclosure_ada.pdf?rev=cc221b0f34574401b64a3772f311acbe&sc_lang=en&hash=1EFC70836EFC2C5B843D2050F953B714", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flbank-bayfirst-national-bank", "institution": "BayFirst National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts (single-party and multiple-party with survivorship)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's (last surviving party's) estate if no POD beneficiary survives; if two or more joint parties survive all beneficiaries the account continues as a survivorship account", "quote": "If no beneficiary survives the party, then the account will be treated as a single party account in the name of the party. ... On the death of the party, ownership passes as part of the party's estate. ... If no beneficiary survives and there is only one surviving party, then the account will be treated as a single-party account and upon the death of that party, ownership passes as part of that party's estate.", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "1", "source_url": "https://bayfirstfinancial.com/getmedia/b835c54c-919b-43e1-95ca-3070e5ad6090/Summer-Special-Money-Market-Dislcosures.pdf", "form_number": "DD8001", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares \"unless otherwise indicated\" (single-party wording); a predeceased beneficiary's share is not paid to that beneficiary's estate or descendants", "quote": "If one beneficiary survives the party, then ownership passes to the named beneficiary. If two or more beneficiaries survive the party, then they will be entitled to equal shares of the account without a right of survivorship, unless otherwise indicated. ... At the death of the last surviving party, ownership passes to the surviving POD beneficiaries and is not part of the last surviving party's estate.", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "6", "source_url": "https://bayfirstfinancial.com/getmedia/b835c54c-919b-43e1-95ca-3070e5ad6090/Summer-Special-Money-Market-Dislcosures.pdf", "form_number": "DD8001", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing, in a form acceptable to the bank (channel not specified)", "quote": "The party may change the named beneficiaries at any time by written direction in a form acceptable to us.", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "6", "source_url": "https://bayfirstfinancial.com/getmedia/b835c54c-919b-43e1-95ca-3070e5ad6090/Summer-Special-Money-Market-Dislcosures.pdf", "form_number": "DD8001", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bmo-bank", "institution": "BMO Bank National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Alto (BMO Bank N.A. online deposit brand) payable on death account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive the owner take, in equal percentages (claim form; each beneficiary submits a notarized letter of direction)", "quote": "If the account has multiple beneficiaries, each beneficiary that survived the decedent will receive an equal percentage and must submit a", "account_type": "Alto (BMO Bank N.A. online deposit brand) payable on death account", "page": "3", "source_url": "https://www.alto.bmo.com/en-us/legal/Letter_of_Direction.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-becu", "institution": "Boeing Employees' Credit Union (BECU)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Checking, savings, CD and money market accounts (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust (or charity) may be named as a POD beneficiary", "quote": "The date of birth and Social Security number are not required for organizations (such as a trust or charity) being added as a beneficiary.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at claim the organization beneficiary form asks for the Trust Agreement as proof of authority", "quote": "One of the following documents to show proof of authority within the organization ... Trust Agreement", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/343-BECU-Organization-Beneficiary-Request-to-Claim-funds.pdf?la=en&rev=12c8710a0017448da83221fd3f041555&sc_lang=en&hash=BF929368D14C62DBE23ACCA0AD970234", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each individual beneficiary must be listed with full name, DOB and SSN; no class designation", "quote": "Full name, date of birth and Social Security number for each person to be added or retained as a beneficiary.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be a beneficiary; a parent or court-appointed guardian claims, and funds are paid in the minor's name (no UTMA custodian option described)", "quote": "Use this form to claim funds on behalf of a beneficiary under the age of 18. ... Funds will be made payable to the beneficiary's name.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/341-BECU-Minor-Beneficiary-Request-to-Claim-Funds.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-02-16", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the organization beneficiary claim form lists Estate as a beneficiary type (Letters Testamentary as proof)", "quote": "Organization beneficiary information ... Letters Testamentary", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/343-BECU-Organization-Beneficiary-Request-to-Claim-funds.pdf?la=en&rev=12c8710a0017448da83221fd3f041555&sc_lang=en&hash=BF929368D14C62DBE23ACCA0AD970234", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "stated for joint accounts without survivorship, the deceased owner's share goes to the POD designees, or to the estate if none", "quote": "property of the Payable on Death (POD) designee(s) or if there is no POD designated, it becomes the property of the deceased account owner's estate upon death.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "7", "source_url": "https://www.becu.org/-/media/Files/PDF/6514.pdf", "form_number": "", "revision_date": "2026-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares", "quote": "upon the death of the last Account Holder, the funds are payable to any designated and surviving POD beneficiary ... Each beneficiary on an account will receive the same percentage.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "8", "source_url": "https://www.becu.org/-/media/Files/PDF/6514.pdf", "form_number": "", "revision_date": "2026-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "7 lines per form; more than seven by multiple paper copies (mail or branch)", "quote": "To designate more than seven beneficiaries, you will need to print and complete multiple copies of the Designate Beneficiaries form and return them by mail or to any BECU location.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online via DocuSign (joint holders get an email link to sign)", "quote": "Complete the Designate Beneficiaries form online to add or change the beneficiaries on your BECU deposit accounts.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "DocuSign e-signature", "quote": "Electronically sign and submit the Designate Beneficiaries form using Docusign", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (DocuSign, also with a Video Banking consultant); mail; in person with photo ID", "quote": "Electronically sign and submit the Designate Beneficiaries form using Docusign ... You can mail it to the address provided on the form, or bring the completed and signed form, along with your photo ID, to any BECU location.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "web page", "source_url": "https://www.becu.org/support/designate-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "up to 10 business days; no automatic notification", "quote": "Please allow 10 business days to process your request upon BECU's receipt.", "account_type": "Checking, savings, CD and money market accounts (POD)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/P-6865.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bokf", "institution": "BOKF, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable on Death account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "multiple POD beneficiaries hold equal undivided interests as joint tenants with right of survivorship (surviving beneficiaries take); otherwise state law governs", "quote": "If more than one Beneficiary is designated, each shall be entitled to equal, undivided interest in the funds in said Account as joint tenants, with right of survivorship and not as tenants in common", "account_type": "Payable on Death account", "page": "3", "source_url": "https://edge.sitecorecloud.io/bokfna15473-bokf40a9-prode209-f913/media/Files/PDF/BOK/BOK8029.pdf", "form_number": "BOK8029", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-byline-bank", "institution": "Byline Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Totten trust (in-trust-for) deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving owner", "quote": "If there are no eligible beneficiaries, title to the Account will vest in the estate of the last surviving owner.", "account_type": "Totten trust (in-trust-for) deposit accounts", "page": "web page", "source_url": "https://www.bylinebank.com/disclosures/personal-deposit-account-agreement-and-disclosures", "form_number": "", "revision_date": "2026-03-01", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive all owners take; a surviving beneficiary who dies before payment is paid through a representative or estate; shares are not stated", "quote": "Upon the death of all Account owners, the beneficiaries shown on the Account who survive the Account owners and/or who lawfully exist (for non-individuals) will become the owners of the Account. Upon our receipt of proof of death of all owners and additional documents required by us, the funds will be distributed to each beneficiary (or their representative or estate as applicable) who survives the owner.", "account_type": "Totten trust (in-trust-for) deposit accounts", "page": "web page", "source_url": "https://www.bylinebank.com/disclosures/personal-deposit-account-agreement-and-disclosures", "form_number": "", "revision_date": "2026-03-01", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "signed signature card or other account documentation (channel not specified)", "quote": "You may change the designated beneficiary, but if you wish to do so, you must complete and sign a new signature card or complete other Account documentation, which names the new beneficiary.", "account_type": "Totten trust (in-trust-for) deposit accounts", "page": "web page", "source_url": "https://www.bylinebank.com/disclosures/personal-deposit-account-agreement-and-disclosures", "form_number": "", "revision_date": "2026-03-01", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-campus-usa", "institution": "Campus USA Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, savings, checking and certificate accounts (POD / trust account designation)" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees", "account_type": "Share, savings, checking and certificate accounts (POD / trust account designation)", "page": "5", "source_url": "https://campuscu.com/media/zdhdlmj5/membership-agreement.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "2026-02-18", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-capital-city-bank", "institution": "Capital City Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts" ], "florida": true, "fields": {} }, { "inst_id": "bank-capital-one", "institution": "Capital One, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD (360 and branch accounts)" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "trusts barred (2023 form and help page)", "quote": "Beneficiaries must be individuals and cannot be Trusts. ... You cannot list a Trust as a POD Beneficiary on any of your accounts.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/help-center/beneficiary-form-updated.pdf", "form_number": "", "revision_date": "2023-06-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "individuals only", "quote": "Beneficiaries must be individuals.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "1", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "fixed equal shares to the named beneficiaries; no per stirpes option", "quote": "Upon the death of all owners, the account(s) will only be paid to the Beneficiaries designated on this form. If multiple Beneficiaries are designated, funds will be divided equally between all Beneficiaries.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "3", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually with tax ID, date of birth and U.S. address", "quote": "All information for each Beneficiary must be completed in full. ... Beneficiaries must be individuals with a valid Tax ID, date of birth and physical address within the United States", "account_type": "Deposit account POD (360 and branch accounts)", "page": "2", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no POD on trust, business or custodial (minor) accounts; POD removed when an account is converted to trust ownership", "quote": "Beneficiaries are not allowed on Trust, Commercial or Custodian accounts. ... Prior to account conversion, any previously added beneficiaries will be removed.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "2", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ipos-acceptance.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares; no percentages", "quote": "If multiple Beneficiaries are designated, funds will be divided equally between all Beneficiaries.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "3", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "10 per account", "quote": "A maximum of 10 beneficiaries may be added to each of your accounts.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "1", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "up to 10 individuals", "quote": "Capital One Bank gives customers the ability to designate up to 10 individuals as POD beneficiaries on most types of deposit accounts.", "account_type": "Deposit account POD (360 and branch accounts)", "page": "web page", "source_url": "https://www.capitalone.com/help-center/checking-savings/manage-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "owner's signature notarized (branch associate may witness in branch)", "quote": "Signature & notarization ... To be completed by Notary", "account_type": "Deposit account POD (360 and branch accounts)", "page": "3", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; fax; in person at a branch", "quote": "Fax or mail this form using the number or address below. You may also bring this completed form to a Capital One branch location to submit on your behalf. ... sign in to your Capital One Bank account online to designate or change the beneficiary(ies)", "account_type": "Deposit account POD (360 and branch accounts)", "page": "1", "source_url": "https://www.capitalone.com/assets/bank/media/beneficiary-form.pdf", "form_number": "beneficiary_10_25", "revision_date": "2025-09-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-cathay-bank", "institution": "Cathay Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. and Totten trust accounts (state-specific)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "state law (CA, MA, MD, WA, NY, NV Totten); estate of the last owner (IL POD)", "quote": "If there is no surviving beneficiary upon the death of the last trustee, state law will determine ownership of the funds in the Account. ... If there is no surviving P.O.D. payee upon the death of the last owner, the proceeds shall vest in the estate of the last surviving Account Holder of the Account.", "account_type": "P.O.D. and Totten trust accounts (state-specific)", "page": "6", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries take, equal shares unless the account records say otherwise; no survivorship among payees (IL, NJ)", "quote": "Where there are two or more beneficiaries, the Account belongs to the beneficiary(ies) who survive all the trustees. ... If there is more than one surviving P.O.D. payee, the payees shall hold the Account in equal shares as Tenants in Common with no right of survivorship. ... upon the death of a surviving P.O.D. payee, any remaining P.O.D. payee will not own any portion of the deceased payee's share of the Account.", "account_type": "P.O.D. and Totten trust accounts (state-specific)", "page": "7", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written direction to the bank (channel not stated)", "quote": "may, by written direction to us, change the P.O.D. payee(s) under the Account", "account_type": "P.O.D. and Totten trust accounts (state-specific)", "page": "7", "source_url": "https://www.cathaybank.com/documents/personal/digital-account-opening/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement (Consumer and Business Accounts)", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-centier-bank", "institution": "Centier Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD (TOD) deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "Indiana Transfer on Death Property Act governs when no designation applies", "quote": "In the absence of such designation, distribution will be determined pursuant to the Indiana Transfer on Death Property Act (IC 32-17-14).", "account_type": "POD (TOD) deposit accounts", "page": "6", "source_url": "https://www.centier.com/docs/default-source/resources/consumer-account-agreement.pdf?sfvrsn=5c8eb1f6_50", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take; otherwise the Indiana TOD Act applies", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. Distribution to beneficiaries will be determined according to the most recent designation on file.", "account_type": "POD (TOD) deposit accounts", "page": "6", "source_url": "https://www.centier.com/docs/default-source/resources/consumer-account-agreement.pdf?sfvrsn=5c8eb1f6_50", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "signed by every owner who created the account (channel not specified)", "quote": "Change of beneficiaries or account type requires signature of all person(s) creating this account.", "account_type": "POD (TOD) deposit accounts", "page": "6", "source_url": "https://www.centier.com/docs/default-source/resources/consumer-account-agreement.pdf?sfvrsn=5c8eb1f6_50", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-central-pacific-bank", "institution": "Central Pacific Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Informal Trust Account (in trust for / POD deposit accounts)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "if no beneficiary survives the last owner (trustee), state law decides; the estate is not named", "quote": "If there is no surviving beneficiary upon the death of the last trustee, state law will determine ownership of the funds in the account.", "account_type": "Informal Trust Account (in trust for / POD deposit accounts)", "page": "1", "source_url": "https://www.cpb.bank/media/jhnjwzb2/dcl-001-deposit-account-agreement-disclosure-updatepdf.pdf", "form_number": "DCL-001", "revision_date": "2023-07-01", "wayback_capture": "2024-05-17", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive the last owner take, equally unless the records show otherwise; a predeceased beneficiary's share is not paid to that beneficiary's estate or descendants", "quote": "Accounts that are held in an informal trust for the benefit of others pass automatically (and in equal shares unless otherwise indicated in our records) to the named beneficiaries who survive the last surviving owner.", "account_type": "Informal Trust Account (in trust for / POD deposit accounts)", "page": "3", "source_url": "https://www.cpb.bank/media/jhnjwzb2/dcl-001-deposit-account-agreement-disclosure-updatepdf.pdf", "form_number": "DCL-001", "revision_date": "2023-07-01", "wayback_capture": "2024-05-17", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "in writing (channel not specified)", "quote": "the trustee may withdraw money from the account and may, by written direction to us, change the beneficiary for the account.", "account_type": "Informal Trust Account (in trust for / POD deposit accounts)", "page": "1", "source_url": "https://www.cpb.bank/media/jhnjwzb2/dcl-001-deposit-account-agreement-disclosure-updatepdf.pdf", "form_number": "DCL-001", "revision_date": "2023-07-01", "wayback_capture": "2024-05-17", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-charles-schwab-bank", "institution": "Charles Schwab Bank, SSB", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "Schwab Bank deposit accounts other than Investor Checking, POD (Schwab Bank Designated Beneficiary Plan Application)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "full trust name", "quote": "Primary Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "full trust name", "quote": "Contingent Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, TIN, trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes or per capita, individuals only", "quote": "You may select either a per stirpes distribution or a per capita distribution.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only; Schwab's own definition governs", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's(ies') children and no further descendants.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; one generation only", "quote": "Please select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only", "quote": "changed or cancelled by you. Your designation of named individuals who ... may be in the same class as other individuals (e.g., your children or ... grandchildren) will not include the other unnamed members of that same", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "11", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "designation only on Schwab's form (additional options at schwab.com/beneficiaries); a change made in a will or trust is not honored except under a court order", "quote": "You must designate your beneficiaries in ... writing on the form provided. ... Schwab will not honor any change of beneficiary made in a will or trust", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "11", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "name a UTMA/UGMA custodian on the form", "quote": "Directions for Distribution(s) of Assets to Minor Beneficiaries ... the assets shall be transferred under the Uniform Transfers to Minors Act (\"UTMA\") or the Uniform Gifts to Minors Act (\"UGMA\")", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "9", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate\" is a relationship box for a primary or contingent beneficiary; estate is also the default taker", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "120-hour survival; proportional reallocation", "quote": "the remaining portion will be divided proportionately among any surviving Contingent Beneficiaries. Any beneficiary who does not survive me by 120 hours will be considered to have passed away before me.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's warranty only; no spouse signature", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "3", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke, the former spouse stays a beneficiary unless the owner files a new form (Nevada-law plan)", "quote": "Changes in the relationship between the account holder(s) and any designated beneficiary, including, but not limited to, subsequent marriage, dissolution of marriage, remarriage, or adoption, will not automatically add or revoke designations of beneficiaries. ... the former spouse will remain a beneficiary after the dissolution unless you revoke", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "13", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "9", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online for additional options", "quote": "indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "5", "source_url": "https://7125947.fs1.hubspotusercontent-na1.net/hubfs/7125947/Schwab%20Forms/Schwab%20TOD%20Beneficiary%20v2023-07.pdf", "form_number": "APP12439-17", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "ink signature of all account holders", "quote": "All account holders must sign in black or blue ink only.", "account_type": "Schwab Bank deposit accounts other than Investor Checking, POD (Schwab Bank Designated Beneficiary Plan Application)", "page": "3", "source_url": "https://bynder.schwab.com/m/3e2be2841acf6592/original/Schwab-Bank-Designated-Beneficiary-Plan-Application.pdf", "form_number": "AEM11527257", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "Schwab Bank Investor Checking POD (Designated Beneficiary Plan)", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-cibc-bank-usa", "institution": "CIBC Bank USA", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit POD" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "individuals with SSNs only", "quote": "POD beneficiaries for this account must be natural persons (individuals) with a US social security number.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "individuals only", "quote": "POD beneficiaries for this account must be natural persons (individuals)", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named with DOB and SSN", "quote": "by designating one or more individuals as POD beneficiaries below. POD beneficiaries for this account must be natural persons (individuals) with a US social security number.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no trusts, entities or non-SSN beneficiaries", "quote": "POD beneficiaries for this account must be natural persons (individuals) with a US social security number.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "bank form only, all owners sign", "quote": "Designation of or changes to any POD beneficiaries must be in writing on a form approved by the bank and signed by all account owners.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "individuals only", "quote": "POD beneficiaries for this account must be natural persons (individuals) with a US social security number.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate unless Illinois law requires otherwise", "quote": "If no POD beneficiary is living at the time of the death of the last surviving account owner, the proceeds of the account will pass to the estate of the last surviving account owner", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving POD beneficiaries only", "quote": "Upon the death of all owners of the account, the balance in the account is payable to the surviving POD beneficiaries or their legal representatives", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "6", "quote": "You may add up to six (6) POD beneficiaries on your account using this form.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form signed by all owners", "quote": "Designation of or changes to any POD beneficiaries must be in writing on a form approved by the bank and signed by all account owners.", "account_type": "Deposit POD", "page": "1", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (the bank-use box also lists branch); not email", "quote": "Please mail this form back to us using the enclosed return envelope or using the following mailing address. ... Please do not send this form via email", "account_type": "Deposit POD", "page": "2", "source_url": "https://us.cibc.com/content/dam/us-public-assets/documents/pdf/legal/info/non-agility-pod-beneficiary-designation-form.pdf", "form_number": "non-agility POD beneficiary designation form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-citibank", "institution": "Citibank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account informal trust (Totten, POD, ITF); savings and CDs only" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "\"persons or entities\"", "quote": "is an Individual or Joint account where the owner(s) designate one or more persons or entities (beneficiaries) to receive the funds in the account upon the death of the last surviving account owner.", "account_type": "Deposit account informal trust (Totten, POD, ITF); savings and CDs only", "page": "34", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no POD/ITF on checking accounts", "quote": "Informal Trusts are not permitted for checking accounts.", "account_type": "Deposit account informal trust (Totten, POD, ITF); savings and CDs only", "page": "34", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares", "quote": "If more than one beneficiary is named in our records, they will share equally in the account proceeds.", "account_type": "Deposit account informal trust (Totten, POD, ITF); savings and CDs only", "page": "34", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "signed Citibank documentation from all owners", "quote": "To change the beneficiary, all account owners must sign our documentation naming the new beneficiary.", "account_type": "Deposit account informal trust (Totten, POD, ITF); savings and CDs only", "page": "34", "source_url": "https://online.citi.com/JRS/popups/ao/Consumer_Client_Manual.pdf", "form_number": "Consumer Deposit Account Agreement U.S. Markets", "revision_date": "2023-08-19", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-citizens-bank", "institution": "Citizens Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Pay on Death (Totten trust) account" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust can be a POD beneficiary (claim form)", "quote": "the Trustee acting on behalf of the Payable on Death Trust Beneficiary ... If the Payable on Death Beneficiary is a Trust, a copy of the pertinent pages of the Trust Agreement", "account_type": "Pay on Death (Totten trust) account", "page": "1", "source_url": "https://www.citizensbank.com/dam/dae042fb-d90f-4aaf-b942-b3fe011bfb65/beneficiary-disbursement-request-original-file.pdf", "form_number": "JCB270", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, trust pages (name, date, trustees, powers, signature pages) per the form; the FAQ asks for a certified full trust agreement", "quote": "If the Payable on Death Beneficiary is a Trust, a copy of the pertinent pages of the Trust Agreement showing the trust name, date, name of the trustee(s), trust powers and signature pages - additional pages may be required upon review. ... Certified full trust agreement if TRUST is the designated beneficiary", "account_type": "Pay on Death (Totten trust) account", "page": "1", "source_url": "https://www.citizensbank.com/dam/dae042fb-d90f-4aaf-b942-b3fe011bfb65/beneficiary-disbursement-request-original-file.pdf", "form_number": "JCB270", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's (or last surviving trustee's) estate", "quote": "If no beneficiary is living at the date of your death or the death of the surviving trustees, we shall pay such account balance to your estate or the estate of the surviving trustees.", "account_type": "Pay on Death (Totten trust) account", "page": "19", "source_url": "https://www.citizensbank.com/caas/nsf/assets/pdf/Deposit_Account_Agreement.pdf", "form_number": "OV1161659", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries surviving the last owner take, equally unless allocated; no survivorship among beneficiaries after that", "quote": "These accounts pass automatically (and equally unless allocations have been adjusted by an account owner) to the named beneficiaries who survive the death of the last surviving account owner ... There is no right of survivorship between beneficiaries.", "account_type": "Pay on Death (Totten trust) account", "page": "19", "source_url": "https://www.citizensbank.com/caas/nsf/assets/pdf/Deposit_Account_Agreement.pdf", "form_number": "OV1161659", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-city-national-bank", "institution": "City National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Bank Account Trust (Totten trust, \"in trust for\")", "Pay-on-death instruction on individual, joint or sole proprietorship deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "individual account without a POD instruction, owner's estate, by will or intestacy", "quote": "When the owner dies, ownership of funds in the account passes as part of the owner's estate to the owner's successor in interest under the owner's Last Will or by intestacy unless you have indicated a beneficiary by a \"pay on death\" instruction", "account_type": "Pay-on-death instruction on individual, joint or sole proprietorship deposit accounts", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares unless written instruction", "quote": "When the last trustee dies, the balance in the account is paid to the surviving named beneficiary or, if there is more than one surviving beneficiary, to the beneficiaries in equal shares, unless we are otherwise instructed by the trustee in writing prior to the death of the trustee or last surviving trustee.", "account_type": "Bank Account Trust (Totten trust, \"in trust for\")", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "on the bank's form; channel not stated", "quote": "Clients who maintain individual, joint tenancy or sole proprietorship accounts may designate a \"pay-on-death\" beneficiary or beneficiaries on a form provided by us.", "account_type": "Pay-on-death instruction on individual, joint or sole proprietorship deposit accounts", "page": "5", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/bank-accounts/documents/Personal-Deposit-Account-Disclosures-001.pdf", "form_number": "66503E", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-city-county-employees", "institution": "City-County Employees Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / trust (ITF) share accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares without survivorship", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD / trust (ITF) share accounts", "page": "2", "source_url": "https://www.ccecu.org/images/downloads/Membership-And-Account-Agreement.pdf", "form_number": "D10019-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-columbia-bank", "institution": "Columbia Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. and informal trust accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "tenants-in-common accounts, each party's share to that party's POD payees, else the party's estate", "quote": "Upon the ... death of any party, the ownership interest of that party passes to the named pay-on- ... death payee(s) of that party or, if none, to the estate of that party.", "account_type": "P.O.D. and informal trust accounts", "page": "4", "source_url": "https://www.columbiabank.com/globalassets/media/documents/columbia_bank_personal_rules_and_regulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "beneficiary must be living; surviving beneficiaries in equal shares, no survivorship among them", "quote": "Beneficiaries cannot withdraw unless: (1) all persons ... creating the Account die, and (2) the beneficiary is then living. If two or more ... beneficiaries will own this Account in equal shares, without right of survivorship.", "account_type": "P.O.D. and informal trust accounts", "page": "4", "source_url": "https://www.columbiabank.com/globalassets/media/documents/columbia_bank_personal_rules_and_regulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-columbia-bank", "institution": "Columbia Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. and Totten trust deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only payees who survive all account holders take, in equal shares unless the account states otherwise; the same rule applies to Totten trust beneficiaries who survive all trustees. After that there is no survivorship among payees unless stated in the account", "quote": "Where there are two or more P.O.D. payee(s), the Account will belong to the payee(s) who survive all Account Holders. Unless otherwise specifically stated in the Account by the Account Holders, each surviving P.O.D. payee will own an equal share of the Account.", "account_type": "P.O.D. and Totten trust deposit accounts", "page": "10", "source_url": "http://www.columbiabankonline.com:80/home/fiFiles/static/documents/disclosure-depositaccountagreement.pdf", "form_number": "", "revision_date": "2014-08-05", "wayback_capture": "2016-08-28", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-commerce-bank", "institution": "Commerce Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD account" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "\"parties\"; Missouri accounts under RSMo 362.471", "quote": "An account where the account owner names one (1) or more parties as beneficiaries is considered a Payable on Death Account", "account_type": "POD account", "page": "11", "source_url": "https://www.commercebank.com/-/media/cb/pdf/personal/bank/Deposit-Agreement.pdf", "form_number": "CB5965", "revision_date": "2021-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no per stirpes", "quote": "If a beneficiary dies before the account owner(s), neither that beneficiary's heirs nor estate have any interest in the funds upon the death of the account owner(s).", "account_type": "POD account", "page": "11", "source_url": "https://www.commercebank.com/-/media/cb/pdf/personal/bank/Deposit-Agreement.pdf", "form_number": "CB5965", "revision_date": "2021-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal among survivors; predeceased beneficiary's heirs take nothing", "quote": "If two (2) or more beneficiaries are named and survive the death of all owners, these beneficiaries will own the funds in equal shares, without right of survivorship. If a beneficiary dies before the account owner(s), neither that beneficiary's heirs nor estate have any interest in the funds upon the death of the account owner(s).", "account_type": "POD account", "page": "11", "source_url": "https://www.commercebank.com/-/media/cb/pdf/personal/bank/Deposit-Agreement.pdf", "form_number": "CB5965", "revision_date": "2021-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-community-bank", "institution": "Community Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable trust (in-trust-for / POD) deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all creators take, in equal shares, without survivorship among them", "quote": "Beneficiaries acquire the right to withdraw only if: (1) all persons creating the account are deceased, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable trust (in-trust-for / POD) deposit accounts", "page": "4", "source_url": "https://cdn.cbna.com/craft-prod/infographics/Deposit-Account-Agreement-Terms-and-Conditions-2024-updates-4-19-24-Final.pdf", "form_number": "", "revision_date": "2024-04-19", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-community-first-of-florida", "institution": "Community First Credit Union of Florida", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / trust (ITF) share, checking and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares, with no survivorship among them afterwards", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. ... the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD / trust (ITF) share, checking and certificate accounts", "page": "1", "source_url": "https://www.communityfirstfl.org/getmedia/22056a1e-59bc-46c8-abcb-c55037d5e439/Consumer-(Personal)-Accounts-Membership-and-Account-Agreement.pdf", "form_number": "D1001A-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-customers-bank", "institution": "Customers Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Customers Bank revocable trust account (in trust for, no written trust agreement)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living when the last owner dies take, in equal shares", "quote": "The beneficiaries cannot withdraw funds from the account unless all of you die and the beneficiary is then living. If two or more beneficiaries survive, the Bank will pay the funds in account in equal shares to the beneficiaries.", "account_type": "Customers Bank revocable trust account (in trust for, no written trust agreement)", "page": "web page", "source_url": "https://www.customersbank.com/consumer-disclosures/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-desert-financial", "institution": "Desert Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, checking and certificate accounts (POD)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only POD beneficiaries surviving the last owner take", "quote": "upon the death of the last surviving account owner, the funds in the account are payable to all surviving POD beneficiaries", "account_type": "Share, checking and certificate accounts (POD)", "page": "2", "source_url": "https://www.desertfinancial.com/globalassets/files/legal/Statement-Terms-and-Conditions.pdf", "form_number": "", "revision_date": "2026-05-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-deutsche-bank-trust-company-americas", "institution": "Deutsche Bank Trust Company Americas", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit ITF / ATF / POD account" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "minor may be named; up to $1,000 paid to the minor, up to $10,000 to a parent at the Bank's discretion, otherwise only to a court-appointed guardian", "quote": "The Bank will not pay a balance in the Account over $1,000 directly to a minor or minors. The Bank, at its discretion, may pay balances up to $10,000 to a parent or parents of a minor or minors. Otherwise, the Bank will pay balances owing to a minor only to a court-appointed guardian for such minor.", "account_type": "Deposit ITF / ATF / POD account", "page": "60", "source_url": "https://country.db.com/usa/legal-resources/documents/DBTCA-CRAPF-202404.pdf?language_id=1", "form_number": "WM23015119", "revision_date": "2023-08-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares among named beneficiaries; if all predecease, the account reverts to the owner(s)", "quote": "In the event of multiple beneficiaries, the balance will be divided equally between or among the named beneficiaries. ... If all beneficiaries predecease the Account owners, the Account shall become an individual Account of the Account owner if he or she is the sole remaining Account owner", "account_type": "Deposit ITF / ATF / POD account", "page": "60", "source_url": "https://country.db.com/usa/legal-resources/documents/DBTCA-CRAPF-202404.pdf?language_id=1", "form_number": "WM23015119", "revision_date": "2023-08-15", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-dcu", "institution": "Digital Federal Credit Union (DCU)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "DCU Totten (payable-on-death) accounts and Totten membership" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares; a predeceased beneficiary's share goes to the survivors", "quote": "DCU may pay any funds remaining in the Account, or Totten membership, to the then surviving (if any) POD beneficiary(ies) ... If more than one beneficiary is surviving at the time of distribution, DCU shall distribute the funds in the Account, or in the entire Totten membership, to the surviving beneficiaries in equal shares.", "account_type": "DCU Totten (payable-on-death) accounts and Totten membership", "page": "8", "source_url": "https://www.dcu.org/content/dam/dcu/pdfs/AccountAgreementForConsumers.pdf", "form_number": "M937", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-dollar-bank-federal-savings-bank", "institution": "Dollar Bank, Federal Savings Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "In trust for and payable on death accounts" ], "florida": false, "fields": {} }, { "inst_id": "bank-east-west-bank", "institution": "East West Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "\"In trust\" and Totten trust (POD) accounts" ], "florida": false, "fields": { "custom_designation_accepted": { "value": "yes", "detail": "a will can expressly revoke or modify a Totten trust (unusual)", "quote": "Unless the trustee expressly revokes, terminates, or modifies the trust account in the trustee's will, then when the trustee dies, the account will be owned by the named beneficiary or beneficiaries.", "account_type": "\"In trust\" and Totten trust (POD) accounts", "page": "13", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor POD beneficiaries allowed; bank may pay the minor or the minor with parent or guardian", "quote": "We may refuse to honor checks or transfer instructions issued by minor (under 18 years of age) beneficiaries of a payable on-death account ... At our option, funds held in an account for the benefit of a minor may be paid to the minor; or to the minor and the minor's parent(s), guardian or other legal representative", "account_type": "\"In trust\" and Totten trust (POD) accounts", "page": "21", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate only if all beneficiaries die first", "quote": "The trust account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.", "account_type": "\"In trust\" and Totten trust (POD) accounts", "page": "14", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares unless written instructions say otherwise; a beneficiary who dies before the owner drops out", "quote": "If there is more than one beneficiary, each will receive an equal share of the funds unless you have given us other specific written instructions. ... The death of the beneficiary, prior to your death, revokes the trust.", "account_type": "\"In trust\" and Totten trust (POD) accounts", "page": "12", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written direction; in person at the branch of account", "quote": "may, by written direction to us, change the beneficiary under the account ... You can arrange to change the beneficiary during your lifetime by contacting your branch of account.", "account_type": "\"In trust\" and Totten trust (POD) accounts", "page": "12", "source_url": "https://www.eastwestbank.com/content/dam/ewb-dotcom/docs/terms-and-conditions/Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2024-06-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-ecu", "institution": "ECU Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (ITF) share and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, jointly without survivorship; shares are not specified", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiary/payee. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship.", "account_type": "POD and trust (ITF) share and certificate accounts", "page": "1", "source_url": "https://www.ecucreditunion.com/uploads/5/7/5/4/5754329/membership_and_account_agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-03-01", "retrieved": "2026-09-26" } } }, { "inst_id": "flbank-emigrant-bank", "institution": "Emigrant Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Beneficiary (Totten trust / ITF) online savings and CD accounts" ], "florida": true, "fields": { "minors": { "value": "yes", "detail": "a minor's share is held until age 21, paid to a guardian of the property, or paid to a parent if $10,000 or less", "quote": "If the beneficiary, entitled to payment hereunder, is a minor at the time of your death(s), the Bank is authorized to (a) withhold payment of such minor's share and to pay the same when the Bank is presented satisfactory proof that the minor has reached majority age, which for the purposes of this designation is defined as twenty-one (21) years of age, (b) pay such minor's share to a duly appointed guardian of the property of such minor, or (c) if the funds are equal to or less than $10,000, pay such funds to the parent or parents of such minor", "account_type": "Beneficiary (Totten trust / ITF) online savings and CD accounts", "page": "web page", "source_url": "https://www.emigrant.com/securebanking/accountsDisclosures.do", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive the owner take; a beneficiary who survives but dies before payment is paid through his or her estate (or spouse or children)", "quote": "After your death, the Bank is hereby authorized and directed to pay the entire balance on deposit in the account to such beneficiary designated herein, so long as said beneficiary shall survive you. ... If said beneficiary survives you but dies before such payment is made, the Bank is authorized and directed to pay the share of such beneficiary to the legal representative of such beneficiary's estate, or to the spouse or children of the beneficiary if permitted by law.", "account_type": "Beneficiary (Totten trust / ITF) online savings and CD accounts", "page": "web page", "source_url": "https://www.emigrant.com/securebanking/accountsDisclosures.do", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-ent", "institution": "Ent Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Ent share and certificate accounts payable on death (POD / trust beneficiary)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "single party account, to the POD beneficiary, otherwise the owner's estate; multiple party accounts pass first to surviving joint owners", "quote": "If the account is a single party account the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary", "account_type": "Ent share and certificate accounts payable on death (POD / trust beneficiary)", "page": "2", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only named beneficiaries who survive the last owner take; several beneficiaries own jointly without survivorship", "quote": "upon the death of the last account owner, payable to any named and surviving POD or trust beneficiary ... If an account is payable to more than one beneficiary, the account is jointly owned by such beneficiaries without rights of survivorship.", "account_type": "Ent share and certificate accounts payable on death (POD / trust beneficiary)", "page": "2", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "on the Signature Card (or trust documentation on file); changes by signed form; channel (mail, branch) not stated for designations", "quote": "named and surviving POD or trust beneficiary or Successor Trustee designated on your Signature Card, Affidavit of Trust, or other trust documentation on file with us ... Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed form", "account_type": "Ent share and certificate accounts payable on death (POD / trust beneficiary)", "page": "2", "source_url": "https://www.ent.com/globalassets/pdf-files/legal/ent-membership-and-account-agreement.pdf", "form_number": "", "revision_date": "2026-07-13", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-everbank", "institution": "EverBank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit POD beneficiaries" ], "florida": true, "fields": { "banned_language": { "value": "yes", "detail": "IRA or trust-owned account numbers on this POD form make that designation void", "quote": "Do not use this form for IRAs or Trust accounts. ... If you inadvertently include an IRA or Trust account ... number in Section 1 above, the designation will be a void and ineffective designation.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (last surviving joint holder's estate)", "quote": "Individual account without a POD beneficiary designation. Upon death of account holder, the asset passes as part of the ... account holder's estate.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares to survivors", "quote": "The balance in the above listed account(s) will be paid in equal shares to each surviving beneficiary.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; copy the page for more", "quote": "(If you have more than 4 beneficiaries, copy this page as needed and return with this form.)", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online or paper", "quote": "Note: Beneficiaries can also be managed online if enrolled in online banking.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "signed form sent electronically is accepted; original not required; online designation also available", "quote": "may accept documents that you have signed and sent to us ... by electronic means, like email, or other file transmittal processes we might offer. ... the document is binding on the signer even ... if the original signed document is not delivered to us.", "account_type": "Deposit POD beneficiaries", "page": "2", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload in the Document Center; online banking; electronic means such as email", "quote": "Upload this form and any additional documentation so that we can move forward in the quickest and most secure way. ... Note: Beneficiaries can also be managed online if enrolled in online banking.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "effective on submission", "quote": "Valid designations are effective at the time they are submitted ... the remaining valid designations on this form will take effect ... immediately upon submission.", "account_type": "Deposit POD beneficiaries", "page": "1", "source_url": "https://assets.contentstack.io/v3/assets/blt12844f397ad182a6/blt5858afa339ecb372/69024ddcf845e4f15cd26907/manage-beneficiaries.pdf", "form_number": "25MCM0295", "revision_date": "2025-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-fairwinds", "institution": "Fairwinds Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Deposit and certificate accounts (POD)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate if no POD beneficiary is named; no rule stated for when no named beneficiary survives", "quote": "I do not wish to designate Payable on Death Beneficiaries at this time; account ownership will pass to my estate. ... If no beneficiary is elected, ownership passes as part of the party's estate.", "account_type": "Deposit and certificate accounts (POD)", "page": "2", "source_url": "https://app.fairwinds.org/Forms/Content/Forms/DFLAH0.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notary (physical presence or online notarization) unless signed before a Fairwinds representative", "quote": "If this document is not completed in front of a FAIRWINDS Representative, a notary is required to ensure validity.", "account_type": "Deposit and certificate accounts (POD)", "page": "2", "source_url": "https://app.fairwinds.org/Forms/Content/Forms/DFLAH0.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in person; phone; mail (notarized)", "quote": "Option 1: Visit any of our branch locations. ... Option 2: Call us at 1.800.443.6887. ... Option 3: Print page 2, sign in the presence of a notary, and send back by mail", "account_type": "Deposit and certificate accounts (POD)", "page": "1", "source_url": "https://app.fairwinds.org/Forms/Content/Forms/DFLAH0.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-ficare", "institution": "FiCare Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / trust (ITF) share accounts" ], "florida": true, "fields": { "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary listed individually with SSN and DOB", "quote": "Name ... Relation ... Social ... Date of Birth", "account_type": "POD / trust (ITF) share accounts", "page": "1", "source_url": "https://www.ficarefcu.org/files/ficarefcu/1/file/Forms/Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's interest goes equally to the remaining beneficiaries; but the owner may set unequal percentages", "quote": "Upon the death of the Owner(s), these funds shall be owned by the Beneficiaries in the percentages listed below. ... Should any Beneficiary predecease the Owners, all rights and privileges of the deceased Beneficiary in this account shall terminate and the deceased Beneficiary's interest in the account shall be divided equally among the remaining Beneficiaries.", "account_type": "POD / trust (ITF) share accounts", "page": "1", "source_url": "https://www.ficarefcu.org/files/ficarefcu/1/file/Forms/Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "in writing, on a form acceptable to the credit union (channel not specified)", "quote": "To be binding on the Credit Union, such revocation must be in writing and in a form acceptable to the Credit Union.", "account_type": "POD / trust (ITF) share accounts", "page": "1", "source_url": "https://www.ficarefcu.org/files/ficarefcu/1/file/Forms/Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-first-choice", "institution": "First Choice Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, checking and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take; two or more take jointly with right of survivorship among themselves", "quote": "upon the death of the last account owner, such POD account is payable to any named and surviving POD beneficiary designated on your Account Card. Accounts payable to more than one surviving POD beneficiary are owned jointly by such beneficiaries with rights of survivorship, not owned as tenants in the entirety nor owned as tenants in common", "account_type": "POD share, checking and certificate accounts", "page": "2", "source_url": "https://www.firstchoicecu.org/wp-content/uploads/2026/08/Membership-Agreement-08-27-2026.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "online_designation": { "value": "no", "detail": "designation and changes only on the credit union's written account form", "quote": "Any POD designation must be written on our account form and accepted by us. ... any change or revocation of POD beneficiaries must be written on our account form and accepted by us", "account_type": "POD share, checking and certificate accounts", "page": "2", "source_url": "https://www.firstchoicecu.org/wp-content/uploads/2026/08/Membership-Agreement-08-27-2026.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "in writing on the credit union's account form (channel not specified); any one account owner may change or revoke", "quote": "Any Account Owner may change (or revoke)any or all POD beneficiaries at any time ; provided that any change or revocation of POD beneficiaries must be written on our account form and accepted by us", "account_type": "POD share, checking and certificate accounts", "page": "3", "source_url": "https://www.firstchoicecu.org/wp-content/uploads/2026/08/Membership-Agreement-08-27-2026.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-first-commonwealth-bank", "institution": "First Commonwealth Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "In-Trust-For (ITF) and payable-on-death deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all owners take, in equal shares without survivorship; a predeceased beneficiary takes nothing", "quote": "Beneficiaries cannot withdraw unless all individual(s) creating the Account die and the beneficiary is then living. If two or more beneficiaries are named and survive the death of all individual(s) creating the Account, such beneficiaries will own this Account in equal shares, without right of survivorship.", "account_type": "In-Trust-For (ITF) and payable-on-death deposit accounts", "page": "12", "source_url": "https://www.fcbanking.com/media/qufptg34/fcb-deposit-account-agreement_070125.pdf", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "2026-02-10", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-first-horizon-bank", "institution": "First Horizon Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable-on-death deposit account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "a beneficiary must survive all owners; surviving beneficiaries take equal shares without survivorship between them", "quote": "Payable-On-Death Account - Beneficiaries cannot withdraw unless: (1) all ... persons creating the account die, (2) the beneficiary is then living ... or more beneficiaries are named and survive the death of all persons creating ... the account, beneficiaries will own this account in equal shares, without right", "account_type": "Payable-on-death deposit account", "page": "3", "source_url": "https://www.firsthorizon.com/-/media/Files/DepositorAgreement.PDF", "form_number": "RT-26-2211", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-first-citizens-bank-trust-company", "institution": "First-Citizens Bank & Trust Company", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable on death and statutory revocable trust accounts" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts allowed where state law permits", "quote": "In accordance with the laws in some states, we may restrict your designation of POD payees to natural persons and/or to limited entities such as trusts or non-profit organizations.", "account_type": "Payable on death and statutory revocable trust accounts", "page": "9", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "per state law", "quote": "Payment to minor beneficiaries is subject to state law requirements.", "account_type": "Payable on death and statutory revocable trust accounts", "page": "9", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "defective POD, owner's estate", "quote": "If all applicable requirements are not satisfied, we may treat your account as an individual/joint account without any trust or payable on death feature, and upon the death of the last surviving account owner, we may disburse the funds to the last surviving account owner's estate", "account_type": "Payable on death and statutory revocable trust accounts", "page": "9", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take; they hold as joint tenants without survivorship; paid in equal checks or one joint check at the bank's option", "quote": "Upon the death of the last surviving account owner, the account balance belongs to the surviving beneficiaries, who then hold the account balance as joint tenants without right of survivorship unless applicable state law requires otherwise", "account_type": "Payable on death and statutory revocable trust accounts", "page": "9", "source_url": "https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/hosted/personal/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-firstbank", "institution": "FirstBank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable Trust or Pay-On-Death Account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all owners take, in equal shares; a predeceased beneficiary takes nothing", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable Trust or Pay-On-Death Account", "page": "2", "source_url": "http://www.firstbankonline.com/wp-content/uploads/2013/12/FirstBank-AccountAgreement-TermsConditions.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2014-10-20", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-firstbank-puerto-rico", "institution": "FirstBank Puerto Rico", "segment": "bank", "account_group": "bank_pod", "account_types": [ "In Trust For (ITF) deposit accounts" ], "florida": false, "fields": {} }, { "inst_id": "flcu-florida", "institution": "Florida Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Savings, checking, money market and share certificate accounts (POD)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "individual account passes to the estate or the POD beneficiary; with no designation and no probate, the CU may pay any heir or hold the funds for a court order", "quote": "If the account owner dies, the owner's interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary or trust beneficiary ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir, who will be solely responsible for any further distribution of the funds.", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "4", "source_url": "https://www.flcu.org/getmedia/820e61f8-85b7-42eb-b21d-6ba78958c0e9/Membership-and-Account-Agreement.pdf", "form_number": "FI19817", "revision_date": "2026-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only living POD beneficiaries take, in equal shares; no survivorship among beneficiaries after they take", "quote": "when the last account owner dies, is payable to any named, living POD beneficiary. Sums payable to more than one surviving beneficiary shall be distributed equally to each beneficiary, and neither beneficiary shall be entitled to the other's interest upon that beneficiary's death.", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "4", "source_url": "https://www.flcu.org/getmedia/820e61f8-85b7-42eb-b21d-6ba78958c0e9/Membership-and-Account-Agreement.pdf", "form_number": "FI19817", "revision_date": "2026-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written notice on a CU-approved form (channel not stated); any one owner may change it", "quote": "Any owner may change any beneficiary designation upon written notice to us, on a form approved by us.", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "4", "source_url": "https://www.flcu.org/getmedia/820e61f8-85b7-42eb-b21d-6ba78958c0e9/Membership-and-Account-Agreement.pdf", "form_number": "FI19817", "revision_date": "2026-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-florida-west-coast", "institution": "Florida West Coast Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, share draft and certificate accounts" ], "florida": true, "fields": {} }, { "inst_id": "flcu-floridacentral", "institution": "FloridaCentral Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, savings, checking and certificate accounts (POD)" ], "florida": true, "fields": {} }, { "inst_id": "bank2-forbright-bank", "institution": "Forbright Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable trust (informal trust) or POD deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all account holders take, in equal shares without survivorship among them", "quote": "Beneficiaries cannot withdraw unless: (1) all account holders die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all account holders, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable trust (informal trust) or POD deposit accounts", "page": "4", "source_url": "https://www.forbrightbank.com/wp-content/uploads/2024/11/Final-Forbright-Consumer-Terms-and-Conditions.pdf", "form_number": "EMDAIB35", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-frost-bank", "institution": "Frost Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. and Totten trust accounts (Texas Estates Code forms)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate only if all beneficiaries die first", "quote": "The trust Account does not become part of your estate and does not pass under your will or by intestacy, unless you were to survive all of the beneficiaries and all other trustees.", "account_type": "P.O.D. and Totten trust accounts (Texas Estates Code forms)", "page": "web page", "source_url": "https://www.frostbank.com/agreements-disclosures/deposit-account-agreement-other-disclosures", "form_number": "Deposit Account Agreement and Other Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to beneficiaries after the last trustee dies", "quote": "On the death of the last surviving trustee, the ownership of the Account passes to the beneficiary.", "account_type": "P.O.D. and Totten trust accounts (Texas Estates Code forms)", "page": "web page", "source_url": "https://www.frostbank.com/agreements-disclosures/deposit-account-agreement-other-disclosures", "form_number": "Deposit Account Agreement and Other Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-fulton-bank", "institution": "Fulton Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable-on-death and (informal) trust multiple-party accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "no survivorship among beneficiaries once they take", "quote": "there shall be no such right of survivorship with respect to multiple trust beneficiaries or P.O.D. payees who become parties to the account", "account_type": "Payable-on-death and (informal) trust multiple-party accounts", "page": "9", "source_url": "https://www.fultonbank.com/-/media/Files/Disclosures/Q1-2026-Rules-and-Regs.pdf", "form_number": "Rules and Regulations for Deposit Accounts", "revision_date": "2026-03-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-glacier-bank", "institution": "Glacier Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Glacier Bank POD / trust (Totten) deposit account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take, in equal shares, without survivorship among them (ID, UT, WA, WY sections)", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Glacier Bank POD / trust (Totten) deposit account", "page": "7", "source_url": "https://www.glacierbank.com/assets/files/c1hN61To/esignconsent.pdf", "form_number": "EMTAIB31", "revision_date": "2022-06-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing, signed by all owners (channel not stated)", "quote": "To change the ownership or beneficiaries of the account, all owners must provide us written consent to the change in ownership or beneficiaries.", "account_type": "Glacier Bank POD / trust (Totten) deposit account", "page": "10", "source_url": "https://www.glacierbank.com/assets/files/c1hN61To/esignconsent.pdf", "form_number": "EMTAIB31", "revision_date": "2022-06-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-global", "institution": "Global Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, checking and certificate accounts (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust can be named via the \"Entity (trust, estate, charity, etc.)\" box; the form has no primary/contingent tiers", "quote": "Beneficiary Type: Individual Person Entity (trust, estate, charity, etc.)", "account_type": "Share, checking and certificate accounts (POD)", "page": "3", "source_url": "https://www.globalcu.org/siteassets/pdfs/masteraccountagr.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN (SSN, ITIN or EIN) and address of the entity beneficiary", "quote": "enter the name, date of birth (if the beneficiary is an individual), Tax Identification Number (Social Security Number, Individual Tax Identification Number, or Employer Identification Number), and address of each designated beneficiary", "account_type": "Share, checking and certificate accounts (POD)", "page": "3", "source_url": "https://www.globalcu.org/siteassets/pdfs/masteraccountagr.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at settlement trustees provide a copy of the trust documents (Account Settlement Guide)", "quote": "Trustees must provide a copy of trust documents.", "account_type": "Share, checking and certificate accounts (POD)", "page": "5", "source_url": "https://www.globalcu.org/siteassets/pdfs/gcu-02867-b-account-settlement-guide.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be listed individually with name, DOB, TIN and address; no class designation option", "quote": "enter the name, date of birth (if the beneficiary is an individual), Tax Identification Number (Social Security Number, Individual Tax Identification Number, or Employer Identification Number), and address of each designated beneficiary", "account_type": "Share, checking and certificate accounts (POD)", "page": "3", "source_url": "https://www.globalcu.org/siteassets/pdfs/masteraccountagr.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"estate\" is listed among entity beneficiary types", "quote": "Beneficiary Type: Individual Person Entity (trust, estate, charity, etc.)", "account_type": "Share, checking and certificate accounts (POD)", "page": "3", "source_url": "https://www.globalcu.org/siteassets/pdfs/masteraccountagr.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares; a predeceased beneficiary's share goes to the survivors", "quote": "Accounts funds are payable only upon the death of the member and all other joint owners of the account to the surviving designated beneficiaries in equal shares", "account_type": "Share, checking and certificate accounts (POD)", "page": "3", "source_url": "https://www.globalcu.org/siteassets/pdfs/masteraccountagr.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-goldman-sachs-bank-usa", "institution": "Goldman Sachs Bank USA", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Marcus savings and CD POD" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "trusts and entities barred", "quote": "You may not designate an individual who is not a citizen or legal permanent resident of the United States or a trust or legal entity as a beneficiary.", "account_type": "Marcus savings and CD POD", "page": "3", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "barred", "quote": "You may not designate ... a trust or legal entity as a beneficiary.", "account_type": "Marcus savings and CD POD", "page": "3", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "fixed rule, equal shares to surviving beneficiaries only; no per stirpes option", "quote": "If there is more than one beneficiary, they will be paid in equal shares. ... the funds will be paid to the surviving beneficiaries", "account_type": "Marcus savings and CD POD", "page": "3", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "non-U.S. persons, trusts and entities barred; nonconforming designations removed", "quote": "You may not designate an individual who is not a citizen or legal permanent resident of the United States or a trust or legal entity as a beneficiary. We may remove a POD designation that does not", "account_type": "Marcus savings and CD POD", "page": "3", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares; a predeceased beneficiary's share goes to the surviving beneficiaries", "quote": "If there is more than one beneficiary, they will be paid in equal shares. ... If a beneficiary dies before the last surviving owner on an Account, then upon the death of the last surviving owner on the Account, the funds will be paid to the surviving beneficiaries.", "account_type": "Marcus savings and CD POD", "page": "3", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "up to six POD beneficiaries", "quote": "You may designate one or more beneficiaries (up to six) to receive the funds upon your death", "account_type": "Marcus savings and CD POD", "page": "2", "source_url": "https://www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-06-27", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-grow-financial", "institution": "Grow Financial Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Savings, checking, money market and share certificate accounts (POD)" ], "florida": true, "fields": { "minors": { "value": "yes", "detail": "a minor may be a POD beneficiary; the CU may pay a parent or legal guardian (no Florida UTMA custodian option described)", "quote": "if any POD beneficiary is not of legal age at the time the account is to be paid to the POD beneficiary hereunder, then the credit union may, in its discretion, pay said amounts to any one parent or legal guardian of such POD beneficiary or as otherwise allowed by Applicable Law", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "2", "source_url": "https://www.growfinancial.org/wp-content/uploads/2026/06/universal-account-agreement.pdf", "form_number": "FI19414", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving owner if no POD beneficiary survives; with no designation and no estate the CU may pay an heir", "quote": "If all named POD beneficiaries pre-decease the account owner(s) the applicable funds shall be paid to the estate of the last surviving account owner. ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "2", "source_url": "https://www.growfinancial.org/wp-content/uploads/2026/06/universal-account-agreement.pdf", "form_number": "FI19414", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes equally to the surviving POD beneficiaries; estate if none survives", "quote": "payable to any named and surviving beneficiary(ies) (POD beneficiary(ies)) ... The share of any beneficiary who predeceases the account owner will be split equally among the remaining living POD beneficiaries.", "account_type": "Savings, checking, money market and share certificate accounts (POD)", "page": "2", "source_url": "https://www.growfinancial.org/wp-content/uploads/2026/06/universal-account-agreement.pdf", "form_number": "FI19414", "revision_date": "2026-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-gte", "institution": "GTE Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / ITF share, checking and certificate accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate when there is no POD beneficiary; the case of no surviving beneficiary is not stated separately", "quote": "If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary", "account_type": "POD / ITF share, checking and certificate accounts", "page": "1", "source_url": "https://www.gtefinancial.org/content/dam/gte/docs/default-source/disclosures/account-disclosure.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, equally; the form also has a contingent section", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless Florida law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship", "account_type": "POD / ITF share, checking and certificate accounts", "page": "1", "source_url": "https://www.gtefinancial.org/content/dam/gte/docs/default-source/disclosures/account-disclosure.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; more on additional forms; shares are equal (the agreement allows other arrangements only \"as permitted and documented by us\")", "quote": "If designating more than two beneficiaries, please complete additional forms as necessary.", "account_type": "POD / ITF share, checking and certificate accounts", "page": "1", "source_url": "https://www.gtefinancial.org/docs/default-source/forms/general-forms/beneficiary-designation-form.pdf?sfvrsn=6154833b_6", "form_number": "", "revision_date": "2012-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (P.O. Box 172599, Tampa) with photo ID copy; in person with employee witness", "quote": "If mailing form, please include a current copy of your photo ID for processing purposes.", "account_type": "POD / ITF share, checking and certificate accounts", "page": "1", "source_url": "https://www.gtefinancial.org/docs/default-source/forms/general-forms/beneficiary-designation-form.pdf?sfvrsn=6154833b_6", "form_number": "", "revision_date": "2012-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-gulf-winds", "institution": "Gulf Winds Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, checking and certificate accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "decedent's estate when there is no POD beneficiary; with no designation and no probate the credit union may pay an heir or hold the funds for a court order", "quote": "If the account owner dies, the owner's interest passes, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary or trust beneficiary ... If there is no beneficiary designation, no probate proceedings or no estate, we may, but are not required to, pay the funds to any heir", "account_type": "POD share, checking and certificate accounts", "page": "3", "source_url": "https://www.gogulfwinds.com/downloads/GW_MembershipAccountAgreement.pdf", "form_number": "FI19739", "revision_date": "2020-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only living POD beneficiaries take, equally; no survivorship among beneficiaries after the owner's death", "quote": "when the last account owner dies, is payable to any named, living POD beneficiary. Sums payable to more than one surviving beneficiary shall be distributed equally to each beneficiary, and neither beneficiary shall be entitled to the other's interest upon that beneficiary's death.", "account_type": "POD share, checking and certificate accounts", "page": "3", "source_url": "https://www.gogulfwinds.com/downloads/GW_MembershipAccountAgreement.pdf", "form_number": "FI19739", "revision_date": "2020-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written notice on the credit union's form; any one owner may change it", "quote": "Any owner may change any beneficiary designation upon written notice to us, on a form approved by us.", "account_type": "POD share, checking and certificate accounts", "page": "3", "source_url": "https://www.gogulfwinds.com/downloads/GW_MembershipAccountAgreement.pdf", "form_number": "FI19739", "revision_date": "2020-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-hancock-whitney-bank", "institution": "Hancock Whitney Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable on Death accounts (Louisiana, Mississippi, Texas, Alabama, Florida forms)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "Louisiana, POD affidavit required; subject to Louisiana inheritance (forced heirship) law", "quote": "A \"Payable on Death\" affidavit must be completed in order to establish a \"Payable on Death\" account. All \"Payable on Death\" accounts are subject to Louisiana law, including inheritance laws.", "account_type": "Payable on Death accounts (Louisiana, Mississippi, Texas, Alabama, Florida forms)", "page": "11", "source_url": "https://www.hancockwhitney.com/hubfs/Forms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement (200974356-010)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "beneficiary must survive all owners; surviving beneficiaries share equally, without survivorship (Florida, Mississippi and Louisiana sections)", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, (2) the beneficiary is then living ... If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Payable on Death accounts (Louisiana, Mississippi, Texas, Alabama, Florida forms)", "page": "11", "source_url": "https://www.hancockwhitney.com/hubfs/Forms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement (200974356-010)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-hanmi-bank", "institution": "Hanmi Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD and Totten trust (in trust for) deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "stated only in the Texas customer terms for trust (ITF) accounts, the trustee's estate takes if the trustee survives all beneficiaries; the general POD section does not say who takes when no beneficiary survives", "quote": "On the death of the last surviving trustee, the ownership of the account passes to the beneficiary. The trust account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.", "account_type": "POD and Totten trust (in trust for) deposit accounts", "page": "18", "source_url": "https://www.hanmi.com/deposit-account-agreement", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries who survive the last surviving owner take, equally unless the records show otherwise; a predeceased beneficiary's share is not paid to that beneficiary's estate or descendants", "quote": "these accounts pass automatically (and in equal shares unless otherwise indicated in our records) to the named beneficiaries who survive the last surviving owner. ... Upon the death of the last surviving owner, the account funds pass to the surviving beneficiary or beneficiaries.", "account_type": "POD and Totten trust (in trust for) deposit accounts", "page": "17", "source_url": "https://www.hanmi.com/deposit-account-agreement", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-happen-bank", "institution": "Happen Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD and revocable trust (ITF) deposit and CD accounts" ], "florida": false, "fields": { "ldps_or_descendants_allowed": { "value": "no", "detail": "each designee is named individually with Social Security number and date of birth", "quote": "Please accept this letter as my written request to add the person below as the ... Beneficiary/POD Designee Name", "account_type": "POD and revocable trust (ITF) deposit and CD accounts", "page": "1", "source_url": "https://assets.ctfassets.net/orqped9h4wgz/2sMUXpGwsOsicPtXPnEGH7/0b8684261b93548c720adfb53e643138/Beneficiary_POD_Form_260601.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only a beneficiary living at the death of all owners takes; surviving beneficiaries in equal shares; the CD agreement pays those who survive the last trustee \"in an equal portion\"", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "POD and revocable trust (ITF) deposit and CD accounts", "page": "web page", "source_url": "https://www.happen.com/legal/deposits/personal-deposit-agreement", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flbank-helm-bank-usa", "institution": "Helm Bank USA", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD / ITF deposit accounts (checking, savings, CDs)" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries take in the percentages the owner designates; a predeceased beneficiary's share is split equally among the survivors", "quote": "If there are two or more Beneficiaries living at the death of the Owner (or the last surviving Owner if applicable), they will share in the Account in the proportions designated above. Should a Beneficiary die prior to the last to survive of the Owner(s), such Beneficiary's given percentage of interest in the Account shall be divided equally amongst all surviving Beneficiaries.", "account_type": "POD / ITF deposit accounts (checking, savings, CDs)", "page": "2", "source_url": "http://www.helmbankusa.com/pdf/PayonDeathTransferonDeathAgreement-HBUSA.pdf", "form_number": "HLB165", "revision_date": "2015-01", "wayback_capture": "2015-09-06", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "a separate signed agreement on Helm's form is required", "quote": "To establish this type of deposit Account payable to a third party upon your death, you must execute and deliver to Helm a separate Pay-on- Death/Transfer-On-Death agreement in the form required by Helm.", "account_type": "POD / ITF deposit accounts (checking, savings, CDs)", "page": "11", "source_url": "https://www.helmbankusa.com/assets/files/cU9I5qrd", "form_number": "", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-hsbc-bank-usa", "institution": "HSBC Bank USA, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit \"in trust for\" (ITF / pay-on-death) beneficiary" ], "florida": false, "fields": { "notarization_or_medallion": { "value": "yes", "detail": "owner's change form notarized", "quote": "The attached Fiduciary Account Change Beneficiary Form must be completed and notarized by a Notary Public at either an HSBC Wealth Center or through external notary service.", "account_type": "Deposit \"in trust for\" (ITF / pay-on-death) beneficiary", "page": "2", "source_url": "https://www.us.hsbc.com/content/dam/hsbc/us/en_us/faqs/hsbc-change-or-remove-beneficiary-kit.pdf", "form_number": "HSBC MDA for Consumer Accounts", "revision_date": "2019-07-25", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail only (HSBC Bank USA, Attn, Account Opening, Buffalo NY), after notarization", "quote": "All completed and notarized documents must be returned by mail to:", "account_type": "Deposit \"in trust for\" (ITF / pay-on-death) beneficiary", "page": "2", "source_url": "https://www.us.hsbc.com/content/dam/hsbc/us/en_us/faqs/hsbc-change-or-remove-beneficiary-kit.pdf", "form_number": "HSBC MDA for Consumer Accounts", "revision_date": "2019-07-25", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-idaho-central", "institution": "Idaho Central Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, checking, money market and certificate accounts (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be a POD beneficiary unless the trust owns the account", "quote": "Can a trust be a beneficiary? Yes, as long as a trust is not an owner of the account.", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "a Certificate of Trust is required when a trust is named", "quote": "Can a trust be a beneficiary? Yes, as long as a trust is not an owner of the account. You will need to provide the Certificate of Trust.", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each POD beneficiary is identified individually by full legal name, date of birth and relationship; no class designation described", "quote": "What You'll Need for Each POD Beneficiary ... Full legal name ... Date of birth ... Relationship to you", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; arrangement not specified (additional steps may apply)", "quote": "Can a minor be a beneficiary? Yes, but additional steps may apply depending on the situation", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take, in equal shares unless other shares are designated in writing; a predeceased beneficiary's share goes to the survivors", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "5", "source_url": "https://www.iccu.com/file/account-agreement.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notarization only for a form signed outside a branch and outside VideoChat; a branch Membership Officer or VideoChat witnesses otherwise", "quote": "If you prefer to complete the form outside the branch, it must be notarized unless you sign during an ICCU VideoChat session, which satisfies our witnessing requirement", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "VideoChat; in person (a notarized form signed outside the branch is also mentioned)", "quote": "Submit a new POD designation. This will revoke and replace any prior designation. You can do this via VideoChat or at any branch", "account_type": "Share, checking, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.iccu.com/services/account-beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-innovations-financial", "institution": "Innovations Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, savings, checking and certificate accounts (POD / trust account designation)" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees", "account_type": "Share, savings, checking and certificate accounts (POD / trust account designation)", "page": "2", "source_url": "https://assets.innovationsfcu.org/img/www/main/legal/disclosures/information-you-need/agreements/Membership%20Agreement%20and%20Disclosures_1789448641.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-insight", "institution": "Insight Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / ITF share and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD / ITF beneficiaries take, owning the account jointly without survivorship", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries ... Upon the death of the last account owner, if there is more than one (1) surviving beneficiary ... without rights of survivorship", "account_type": "POD / ITF share and certificate accounts", "page": "1", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/Membership_and_Account_Agreement_062017.pdf", "form_number": "D10018", "revision_date": "", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-ithink-financial", "institution": "iTHINK Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / trust (ITF) share, checking and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD / trust (ITF) share, checking and certificate accounts", "page": "4", "source_url": "https://www.ithinkfi.org/docs/default-source/default-document-library/disclosures/membership-disclosure.pdf", "form_number": "DXPP02-E", "revision_date": "2024-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-jax-fire", "institution": "JAX Fire Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable trust / POD share accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "a beneficiary takes only if alive at the settlor's death; if the beneficiary dies first the trust terminates; the singular wording does not say what happens when one of several beneficiaries predeceases", "quote": "If the Account Designation shows a payable on death status, any ... Beneficiary has rights to the Account only if alive and only if the Settlor ... is deceased. If the Beneficiary dies before the Settler, the Trust is ... terminated.", "account_type": "Revocable trust / POD share accounts", "page": "1", "source_url": "https://jaxfirecu.org/wp-content/uploads/2020/06/Account-Agreement.pdf", "form_number": "", "revision_date": "2008-11", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "by adequate proof in a manner acceptable to the credit union (channel not specified)", "quote": "The Settlor may change the Beneficiary at any time by ... providing Us adequate proof of such change in a manner acceptable to", "account_type": "Revocable trust / POD share accounts", "page": "1", "source_url": "https://jaxfirecu.org/wp-content/uploads/2020/06/Account-Agreement.pdf", "form_number": "", "revision_date": "2008-11", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-jm-associates", "institution": "JM Associates Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (ITF) share and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares without survivorship, unless state law or the credit union's documentation provides otherwise", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD and trust (ITF) share and certificate accounts", "page": "2", "source_url": "https://www.jmafcu.org/s/2026-Membership-Agreement-Booklet-Combined.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-jpmorgan-chase-bank", "institution": "JPMorgan Chase Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD and \"in trust for\" (ITF) designations" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries, equal shares", "quote": "If we receive proof you've died, we may pay the balance of the account to the surviving beneficiary or beneficiaries you designated. ... Multiple beneficiaries will be paid in equal shares unless our records provide otherwise.", "account_type": "Deposit account POD and \"in trust for\" (ITF) designations", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/checking/deposit-account-agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-06-14", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-keybank", "institution": "KeyBank National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD (in some states) and \"in trust for\"" ], "florida": false, "fields": {} }, { "inst_id": "flcu-keys", "institution": "Keys Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Revocable trust (POD) share, checking and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all owners take, in equal shares; a predeceased beneficiary's share is not paid to that beneficiary's estate", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the ... account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the ... death of all persons creating the account, beneficiaries will own this account in equal shares, without ... right of survivorship.", "account_type": "Revocable trust (POD) share, checking and certificate accounts", "page": "6", "source_url": "https://www.keysfcu.org/s/Keys-FCU-Membership-Terms-Conditions-Account-Agreement-9-21.pdf", "form_number": "", "revision_date": "2020-02", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "signed Account Change form accepted by the credit union (channel not stated); the owners may change beneficiaries at any time", "quote": "Account changes requested by you, or any account owner, such as adding or closing an account or service, must ... be evidenced by a signed Account Change form, and accepted by us.", "account_type": "Revocable trust (POD) share, checking and certificate accounts", "page": "10", "source_url": "https://www.keysfcu.org/s/Keys-FCU-Membership-Terms-Conditions-Account-Agreement-9-21.pdf", "form_number": "", "revision_date": "2020-02", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-launch", "institution": "Launch Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Savings, checking, money market and certificate accounts (POD and trust account designations)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "individual account passes to the estate or the POD/ITF beneficiary; the fallback when no beneficiary survives is not stated expressly", "quote": "If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary", "account_type": "Savings, checking, money market and certificate accounts (POD and trust account designations)", "page": "1", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Membership-Account-Agreement.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD/ITF beneficiaries take, equally and without survivorship, unless the CU permits and documents otherwise", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship", "account_type": "Savings, checking, money market and certificate accounts (POD and trust account designations)", "page": "1", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Membership-Account-Agreement.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "signed Account Change Card or Member Services Request; a designation applies to every account type except IRAs", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document", "account_type": "Savings, checking, money market and certificate accounts (POD and trust account designations)", "page": "8", "source_url": "https://www.launchcu.com/wpcms/wp-content/uploads/Membership-Account-Agreement.pdf", "form_number": "D1001F-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "m1", "institution": "M1 Finance", "segment": "brokerage", "account_group": "bank_pod", "account_types": [ "High-Yield Savings Account POD (B2 Bank, N.A.)" ], "florida": false, "fields": { "max_beneficiaries": { "value": "yes", "detail": "3 primary and 3 contingent per account", "quote": "You may designate up to three primary and three contingent beneficiaries per account when using the M1 Beneficiary Form.", "account_type": "High-Yield Savings Account POD (B2 Bank, N.A.)", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "web platform (Profile, Beneficiaries); savings account is held at B2 Bank, N.A.; not available to Louisiana residents", "quote": "Pay on Death (POD): High-Yield Savings Account (through B2 Bank, N.A.) ... Add the same Beneficiaries to all eligible M1 accounts", "account_type": "High-Yield Savings Account POD (B2 Bank, N.A.)", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (web platform)", "quote": "Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings.", "account_type": "High-Yield Savings Account POD (B2 Bank, N.A.)", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-mccoy", "institution": "McCoy Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, share draft, money management and certificate accounts (POD)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "without a POD designation the account passes to the owner's estate; nothing on what happens if no POD beneficiary survives", "quote": "Single-Party Account - At the death of a party, ownership passes as part of the party's estate. ... Single-Party Account With Pay-on-Death Designation - At death of the party, ownership passes to the designated pay-on-death beneficiaries and is not part of the party's estate.", "account_type": "Share, share draft, money management and certificate accounts (POD)", "page": "4", "source_url": "https://www.mccoyfcu.org/uploads/pdf/AccountDisclosure-EN-Dec18.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-mechanics-bank", "institution": "Mechanics Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. and Totten trust accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "a beneficiary must survive all owners; equal shares among survivors unless the owner gave written instructions otherwise", "quote": "Upon the death of the last surviving owner, the account funds pass to the surviving designated beneficiaries. If there is more than one surviving designated beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the owner(s) in writing. ... A designated beneficiary must survive the death of all account owners to receive any interest in the account funds.", "account_type": "P.O.D. and Totten trust accounts", "page": "3", "source_url": "https://prdcms.mechanicsbank.com/contentassets/9e0348bebd2b44b2a8fa059267bcab78/1200-personal-account-agreement-disclosure-mkt10000-v3-final-mkt-copy.pdf", "form_number": "MKT10000 v3", "revision_date": "2026-03-23", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-members-first-of-flori", "institution": "Members First Credit Union of Florida", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Individual and joint share accounts with POD designation" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take; two or more survivors own the account \"jointly\" (the agreement's joint accounts carry survivorship by default)", "quote": "when the last account owner dies, is payable to all surviving Payable on Death beneficiaries/payees. Upon the death of the last account owner, if there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees.", "account_type": "Individual and joint share accounts with POD designation", "page": "1", "source_url": "https://www.membersfirstfl.org/files/mfcufl/1/file/Membership_and_Account_Agreement.pdf", "form_number": "D09DE1", "revision_date": "", "wayback_capture": "2021-08-27", "retrieved": "2026-09-26" }, "online_designation": { "value": "yes", "detail": "ownership features are designated on the Account Card or through the online application process; POD is not named expressly here", "quote": "Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.", "account_type": "Individual and joint share accounts with POD designation", "page": "1", "source_url": "https://www.membersfirstfl.org/files/mfcufl/1/file/Membership_and_Account_Agreement.pdf", "form_number": "D09DE1", "revision_date": "", "wayback_capture": "2021-08-27", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "signed Account Change Card (or online application and authentication at opening)", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card or other document", "account_type": "Individual and joint share accounts with POD designation", "page": "6", "source_url": "https://www.membersfirstfl.org/files/mfcufl/1/file/Membership_and_Account_Agreement.pdf", "form_number": "D09DE1", "revision_date": "", "wayback_capture": "2021-08-27", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-metropolitan-commercial-bank", "institution": "Metropolitan Commercial Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable Trust Account (in trust for / POD deposit accounts)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all owners take, in equal shares; a predeceased beneficiary takes nothing", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable Trust Account (in trust for / POD deposit accounts)", "page": "6", "source_url": "https://mcbankny.com/wp-content/uploads/2025/09/Consumer-Deposit-Agreement_9.22.25.pdf", "form_number": "MNB505", "revision_date": "", "wayback_capture": "2026-01-04", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-miami-firefighters", "institution": "Miami Firefighters Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / ITF share accounts (individual and joint)" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD or ITF beneficiaries take, jointly without survivorship", "quote": "payable to all and surviving POD or trust beneficiaries/payees. If there is more than one (1) surviving beneficiary/payee, the account is owned jointly by such beneficiaries/payees without rights of survivorship upon the death of the last account owner.", "account_type": "POD / ITF share accounts (individual and joint)", "page": "1", "source_url": "https://www.mffcu.org/files/mffcu/1/file/MEMBERSHIP-AGREEMENT.pdf", "form_number": "D10015", "revision_date": "2007-03", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "on a signed Account Change Card accepted by the credit union (channel not specified)", "quote": "Account changes requested by you, or any account owner, such as adding or closing an account or service, must be evidenced by a signed Account Change Card and accepted by us.", "account_type": "POD / ITF share accounts (individual and joint)", "page": "5", "source_url": "https://www.mffcu.org/files/mffcu/1/file/MEMBERSHIP-AGREEMENT.pdf", "form_number": "D10015", "revision_date": "2007-03", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-miami-postal-service", "institution": "Miami Postal Service Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, share draft and certificate accounts" ], "florida": true, "fields": {} }, { "inst_id": "bank-midfirst-bank", "institution": "MidFirst Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share goes to that beneficiary's estate (no lapse), equal shares; same in the Sept 2025 agreement", "quote": "payable on the death of the last Account owner to one or more designated POD beneficiaries, if living, and if not living, to the named estate of the beneficiary. If more than one beneficiary is designated by the Account owner(s), the beneficiaries, if living, and if not living, the named estate of the beneficiaries, shall share equally", "account_type": "POD account", "page": "1", "source_url": "https://www.uco.edu/fin-ops/files/card/uco-midfirst-agreement.pdf", "form_number": "Account Agreement and Disclosure", "revision_date": "2023-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-midflorida", "institution": "MidFlorida Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, checking and certificate accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate when there is no POD designation; the case of no surviving POD beneficiary is not stated", "quote": "Single-Party Account - At the death of a party, ownership passes as part of the party's estate.", "account_type": "POD share, checking and certificate accounts", "page": "3", "source_url": "https://www.midflorida.com/MidFlorida/media/Documents/Account/2023-Terms-and-Conditions.pdf", "form_number": "EFLAIB31", "revision_date": "2019-08-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-morgan-stanley-private-bank", "institution": "Morgan Stanley Private Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Morgan Stanley Private Bank deposit account Pay-on-Death (Morgan Stanley Online)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take; equal shares unless the owner instructed otherwise in writing", "quote": "Upon the death of the last surviving owner, the account funds pass to the surviving beneficiaries. If there is more than one surviving beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the owner(s) in writing.", "account_type": "Morgan Stanley Private Bank deposit account Pay-on-Death (Morgan Stanley Online)", "page": "17", "source_url": "https://www.morganstanley.com/content/dam/msdotcom/en/wealth-disclosures/pdfs/MSPBNA_MSO_Bank_Deposit_Account_Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-navy-federal", "institution": "Navy Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Savings, checking, MMSA and certificate accounts (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a legal trust may be a primary POD beneficiary; if it is, contingent beneficiaries take only if the trust was terminated or revoked before the member's death", "quote": "Legal Trust/Charity Name (Required) ... If a Legal Trust is named as Primary Beneficiary, Contingent Beneficiary(ies) shall not receive proceeds unless the Legal Trust was properly terminated or revoked prior to the Primary Member's death.", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "the contingent section has Legal Trust/Charity lines", "quote": "H. Contingent Beneficiary Information ... Legal Trust/Charity Name (Required)", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "legal trust name, physical address and ITIN or EIN required", "quote": "Legal Trust/Charity cannot be added without the full name, address, and ITIN number.", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named individually with DOB and SSN", "quote": "Beneficiaries cannot be added without the full name, address, date of birth, and Social Security number.", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased primary's share goes equally to surviving primaries; contingents take only if all primaries are deceased; shares equal unless percentages are given", "quote": "Upon the death of a Primary Beneficiary (prior to the death of the member) ... the deceased Primary Beneficiary's percentage share will be shared equally ... among any surviving Primary Beneficiaries. ... Distributions will be made to Contingent Beneficiary(ies), only if all Primary", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "2", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 individual lines plus 2 trust/charity lines per tier; attach a second copy for more", "quote": "If more than five beneficiaries are needed, continue on a second copy of this page (section E) and", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload (eMessage attachment); fax; in person; mail", "quote": "Mobile or Online Banking: Attach form via eMessage ... Fax to Navy Federal at 703-206-3724 ... Visit local branch ... Mail form to PO Box 3002, Merrifield, VA 22116-9887", "account_type": "Savings, checking, MMSA and certificate accounts (POD)", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/250.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-newtek-bank", "institution": "Newtek Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts (checking, savings, CDs)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "without a POD designation a single-party account passes to the owner's estate; what happens when no POD beneficiary survives is not stated", "quote": "Single-Party Account - At the death of a party, ownership passes as part of the party's estate.", "account_type": "POD deposit accounts (checking, savings, CDs)", "page": "5", "source_url": "https://www.newtekbank.com/wp-content/uploads/2026/07/Deposit-Agreement-_v2_Revised-Final-05.20.26.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "2026-09-20", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-old-national-bank", "institution": "Old National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD accounts, including Totten trusts" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "a minor beneficiary takes through a legal representative", "quote": "the beneficiary on the Account ... (or the beneficiary's legal representative if the beneficiary is a minor)", "account_type": "POD accounts, including Totten trusts", "page": "10", "source_url": "https://www.oldnational.com/globalassets/onb-site/onb-documents/onb-disclosures/deposit-account-agreement-disclosure.pdf", "form_number": "Deposit Account Agreement & Disclosure", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "beneficiary must be living when all owners have died", "quote": "A beneficiary on a POD Account cannot make withdrawals unless: (i) all Account owners die, and (ii) the beneficiary is then living.", "account_type": "POD accounts, including Totten trusts", "page": "10", "source_url": "https://www.oldnational.com/globalassets/onb-site/onb-documents/onb-disclosures/deposit-account-agreement-disclosure.pdf", "form_number": "Deposit Account Agreement & Disclosure", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-onpoint", "institution": "OnPoint Community Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "OnPoint POD designation on share and certificate accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "individual account, to the POD beneficiary, otherwise to the owner's estate", "quote": "For individual accounts, when the owner dies, the owner's interest will pass subject to applicable law, to the payable-on-death (POD) beneficiary or to the owner's estate, if applicable.", "account_type": "OnPoint POD designation on share and certificate accounts", "page": "5", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD payees take; equal shares unless otherwise designated, with survivorship among payees", "quote": "when the last account owner dies, is payable to any named and surviving POD payee. Accounts payable to more than one POD payee are owned jointly and equally, unless otherwise designated, by such beneficiaries with rights of survivorship.", "account_type": "OnPoint POD designation on share and certificate accounts", "page": "5", "source_url": "https://www.onpointcu.com/files/Consumer_Membership-Account-Agreement_Current.pdf", "form_number": "", "revision_date": "2026-04-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-patelco", "institution": "Patelco Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Patelco share and certificate accounts payable on death" ], "florida": false, "fields": { "submission_method": { "value": "yes", "detail": "the Designation of Beneficiary form (listed under Other Account Forms; not saved) can be returned via online banking, mail or at a branch", "quote": "Most account forms can be sent back to us via online banking, paper mail, or taken to a branch. ... Designation of Beneficiary (PDF)", "account_type": "Patelco share and certificate accounts payable on death", "page": "web page", "source_url": "https://www.patelco.org/contact-us/forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-penair", "institution": "PenAir Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD share, share draft and certificate accounts" ], "florida": true, "fields": { "minors": { "value": "yes", "detail": "a minor may be a POD beneficiary; the check is made out to the minor and handed to whoever presents as parent or legal guardian (the 2019 edition said paid to the legal guardian); no UTMA custodian option described", "quote": "If any beneficiary is not of legal age at the time the account(s) are to be paid to beneficiaries hereunder, then we will make a check payable to the named beneficiary and deliver it to the person who presents themselves to be the parent or legal guardian of such beneficiary or as otherwise allowed by applicable law", "account_type": "POD share, share draft and certificate accounts", "page": "17", "source_url": "https://www.penair.org/files/Membership-Agreement-7.7.2023.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-03-04", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving owner if no POD beneficiary survives", "quote": "Payable on Death accounts are ... meaning that if all named POD beneficiaries pre-decease the owner(s) the applicable funds shall be paid to the estate of the last surviving owner", "account_type": "POD share, share draft and certificate accounts", "page": "17", "source_url": "https://www.penair.org/files/Membership-Agreement-7.7.2023.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-03-04", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing to the credit union (channel not specified)", "quote": "Either owner, during their lifetime, may change any designated beneficiary by written direction to us.", "account_type": "POD share, share draft and certificate accounts", "page": "17", "source_url": "https://www.penair.org/files/Membership-Agreement-7.7.2023.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-03-04", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-penfed", "institution": "Pentagon Federal Credit Union (PenFed)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, savings, money market and certificate accounts (POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named POD beneficiary of the primary Share account on Signature Card Form 13", "quote": "You can list your trust as the beneficiary of your primary share and IRAs by completing form 13 (for the Share) and form 732 (for the IRA). ... You can list your Trust as the beneficiary of your primary Share and IRA accounts by completing a Signature Card (Form 13) for a Share account", "account_type": "Share, savings, money market and certificate accounts (POD)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "an individual account without a POD designation passes through the owner's estate", "quote": "Individual: Upon your death, the account passes as part of your estate under your will, trust, or by intestacy.", "account_type": "Share, savings, money market and certificate accounts (POD)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/en/general/pdf/forms/form-13.pdf", "form_number": "", "revision_date": "2025-07", "wayback_capture": "2025-11-04", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; upload (secure document upload)", "quote": "Please complete the form and mail or fax it to PenFed. In addition, forms can be submitted through our secure server ... Securely upload, mail or fax your forms to PenFed.", "account_type": "Share, savings, money market and certificate accounts (POD)", "page": "web page", "source_url": "https://www.penfed.org/forms", "form_number": "", "revision_date": "", "wayback_capture": "2026-09-11", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-pibank", "institution": "Pibank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Savings and CD accounts with beneficiary (POD) designation" ], "florida": true, "fields": {} }, { "inst_id": "bank2-plainscapital-bank", "institution": "PlainsCapital Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD and \"In Trust For\" deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate if no POD designation; an ITF account falls into the owner's estate only if the owner survives all beneficiaries and trustees", "quote": "If the party has not designated a POD beneficiary on the signature card for the account, on the death of the party ownership of the account passes as part of the party's estate under the party's will or by intestacy. ... The account is not a part of the trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.", "account_type": "POD and \"In Trust For\" deposit accounts", "page": "18", "source_url": "https://www.plainscapital.com/media/70987/personal-deposit-account-agreement-02-14.pdf", "form_number": "", "revision_date": "2014-02-14", "wayback_capture": "2015-03-25", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "on the signature card, or a later signature card or written modification the bank accepts", "quote": "If the party designates a POD beneficiary or beneficiaries on the signature card for the account ... by the Signature Card that you sign when opening the account, or any subsequent Signature Card or written modification that we accept.", "account_type": "POD and \"In Trust For\" deposit accounts", "page": "18", "source_url": "https://www.plainscapital.com/media/70987/personal-deposit-account-agreement-02-14.pdf", "form_number": "", "revision_date": "2014-02-14", "wayback_capture": "2015-03-25", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-pnc-bank", "institution": "PNC Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD and \"in trust for\"" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "no per stirpes", "quote": "the heirs of the deceased POD Beneficiary would not be entitled to any ownership interest in the Account", "account_type": "Deposit account POD and \"in trust for\"", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "Florida accounts, unequal shares not allowed", "quote": "FOR ACCOUNTS IN FLORIDA: POD Beneficiaries may only have equal shares.", "account_type": "Deposit account POD and \"in trust for\"", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's heirs or estate", "quote": "If there is no surviving POD Beneficiary when the last owner of the POD Account dies, then the Account is payable to the heirs (or estate, if a formal estate is raised) of the last surviving owner of the POD Account.", "account_type": "Deposit account POD and \"in trust for\"", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "survivorship among beneficiaries; heirs of a predeceased beneficiary take nothing", "quote": "POD Beneficiaries have a right of survivorship. This means if one POD Beneficiary pre-deceases the owner(s) of the POD Account, the surviving POD Beneficiary would then take full ownership of the Account upon the death of the last owner and the heirs of the deceased POD Beneficiary would not be entitled to any ownership interest in the Account.", "account_type": "Deposit account POD and \"in trust for\"", "page": "11", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Checking/Account-Agreement-Personal-Accounts.pdf", "form_number": "RDAOPM11-0926", "revision_date": "2026-09-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "POD beneficiaries are named on the account records / signature card; a written notice that modifies distribution under state law must be mailed to PNC Bank, PO Box 609, Pittsburgh", "quote": "beneficiaries (\"POD Beneficiaries\") designated on the CD or Account ... that written notice must be notarized and sent to the following required address: PNC Bank, P.O Box 609", "account_type": "Deposit account POD and \"in trust for\"", "page": "3", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/Savings/CD-IRA-Agreement.pdf", "form_number": "RDAOPM02-0625", "revision_date": "2025-06-22", "wayback_capture": "2025-09-25", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-provident-bank", "institution": "Provident Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable-on-death account" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "title wording may be required; defective POD ignored", "quote": "you may have to include certain words or letters in the Account title to create a POD account, such as \"payable on death,\" or \"POD\". You are solely responsible for meeting these requirements.", "account_type": "Payable-on-death account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries only", "quote": "we may pay any funds remaining in the Account to the then-surviving (if any) POD beneficiary(ies) ... A POD beneficiary may acquire an interest in the Account at that time but only if the POD beneficiary is alive.", "account_type": "Payable-on-death account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "instruction to the bank (channel not stated); a change may require closing and reopening the account", "quote": "You can make your Account a POD account by instructing us to list each POD beneficiary on the Account ... We may require you to close an Account in order to remove a joint owner, terminate a joint ownership, switch the account type, or change a pay-on-death or trust designation.", "account_type": "Payable-on-death account", "page": "18", "source_url": "https://www.provident.bank/media/4405/45442_provident-account-terms_rev1.pdf", "form_number": "PV-1626", "revision_date": "2023-04-17", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-publix-employees", "institution": "Publix Employees Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD / ITF share and certificate accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD / ITF beneficiaries take, in equal shares without survivorship", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. ... will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD / ITF share and certificate accounts", "page": "1", "source_url": "https://www.pefcu.com/assets/images/PEFCU_Disclosure.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-radiant", "institution": "Radiant Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (ITF) share accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "an individual account passes to the estate or to the POD / trust beneficiary; the case of no surviving beneficiary is not separately stated", "quote": "If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary", "account_type": "POD and trust (ITF) share accounts", "page": "4", "source_url": "https://www.radiantcu.org/hubfs/Helpful%20Documents/Consumer%20Membership%20Agreement%20and%20Disclosures.pdf", "form_number": "DXPS02-E", "revision_date": "2020-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares without survivorship among them; the CU reserves other arrangements \"as permitted and documented by us\"", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD and trust (ITF) share accounts", "page": "4", "source_url": "https://www.radiantcu.org/hubfs/Helpful%20Documents/Consumer%20Membership%20Agreement%20and%20Disclosures.pdf", "form_number": "DXPS02-E", "revision_date": "2020-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "account ownership features are designated on the Account Card or in the online application; POD is not named specifically in this sentence", "quote": "Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.", "account_type": "POD and trust (ITF) share accounts", "page": "4", "source_url": "https://www.radiantcu.org/hubfs/Helpful%20Documents/Consumer%20Membership%20Agreement%20and%20Disclosures.pdf", "form_number": "DXPS02-E", "revision_date": "2020-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "Account Card at opening or online application; changes on a signed Account Change Card or Member Services Request", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document", "account_type": "POD and trust (ITF) share accounts", "page": "10", "source_url": "https://www.radiantcu.org/hubfs/Helpful%20Documents/Consumer%20Membership%20Agreement%20and%20Disclosures.pdf", "form_number": "DXPS02-E", "revision_date": "2020-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-rbfcu", "institution": "Randolph-Brooks Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Payable on Death (POD) share accounts" ], "florida": false, "fields": { "ldps_or_descendants_allowed": { "value": "no", "detail": "each POD payee must be identified individually", "quote": "by providing us with the following required information for each POD payee: their legal name, address, date of birth and social security number", "account_type": "Payable on Death (POD) share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "single-party account without POD passes to the estate", "quote": "upon your death and in the absence of any Payable on Death (POD) designation, ownership of the Account ... passes as part of your estate under your Will", "account_type": "Payable on Death (POD) share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving POD payees take equally", "quote": "shall be owned by the POD ... payees surviving without rights of survivorship and funds distributed equally", "account_type": "Payable on Death (POD) share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "on the account application or noted in RBFCU's system on notice, in such form as RBFCU requires", "quote": "POD payees may be listed in the Account Application or notated on the Account within our system", "account_type": "Payable on Death (POD) share accounts", "page": "5", "source_url": "https://www.rbfcu.org/docs/default-source/membership/membership-agreement-and-disclosures.pdf", "form_number": "M161AA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-regions-bank", "institution": "Regions Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "\"In trust for\" and POD accounts" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "minors may be named", "quote": "in equal shares to the person or persons then living who are named as beneficiary or beneficiaries (whether an adult or minor)", "account_type": "\"In trust for\" and POD accounts", "page": "32", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares to living beneficiaries", "quote": "all funds in the account will be paid, upon the death of the depositor or surviving depositors, in equal shares to the person or persons then living who are named as beneficiary or beneficiaries (whether an adult or minor)", "account_type": "\"In trust for\" and POD accounts", "page": "32", "source_url": "https://www.regions.com/-/media/pdfs/terms/Deposit-Agreement.pdf", "form_number": "Deposit Agreement", "revision_date": "2026-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-rockland-trust-company", "institution": "Rockland Trust Company", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Unwritten (\"Totten\") trust deposit account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last trustee's death take, in equal shares", "quote": "Upon the death of the Trustee or the death of both Trustees, all the funds in the deposit account shall be owned in equal shares by the person(s) then living who is/are named as Beneficiary(ies) on the deposit account (or his/her/their legal representatives).", "account_type": "Unwritten (\"Totten\") trust deposit account", "page": "10", "source_url": "https://www.rocklandtrust.com/assets/files/T7YMA5SW", "form_number": "Personal Account Disclosure Statements", "revision_date": "2026-07-21", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-sandt-bank", "institution": "S&T Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "In trust for (named beneficiary) deposit accounts" ], "florida": false, "fields": {} }, { "inst_id": "bank-sallie-mae-bank", "institution": "Sallie Mae Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. (tentative or Totten trust) account under the Utah multiple-party account law" ], "florida": false, "fields": {} }, { "inst_id": "cu-sdccu", "institution": "San Diego County Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "SDCCU P.O.D. share and certificate accounts" ], "florida": false, "fields": {} }, { "inst_id": "flcu-santa-rosa-county", "institution": "Santa Rosa County Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (ITF) share accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD or ITF beneficiaries take, in equal shares without survivorship among them, unless state law or the credit union's documentation provides otherwise", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD and trust (ITF) share accounts", "page": "web page", "source_url": "https://www.srcfcu.org/membership-and-account-agreement", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "Account Card or online application at opening; signed Account Change Card or Member Services Request for changes", "quote": "Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process. ... We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document which evidences a change to an account and accepted by us.", "account_type": "POD and trust (ITF) share accounts", "page": "web page", "source_url": "https://www.srcfcu.org/membership-and-account-agreement", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-santander-bank-n-a", "institution": "Santander Bank, N.A.", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Informal trust (POD, Totten) account" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "non-natural beneficiaries contemplated", "quote": "you must provide the beneficiary's street address and, if the beneficiary is a natural person, the beneficiary's date of birth", "account_type": "Informal trust (POD, Totten) account", "page": "7", "source_url": "https://marketing.santanderbank.com/documents/330001/9686542/Personal+Deposit+Account+Agreement.pdf/0c8ab515-1538-8727-60d1-75c56d0da3b9", "form_number": "MK0034", "revision_date": "2021-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary is identified by full legal name, address, date of birth and SSN, ITIN or passport", "quote": "When you come in, please be ready to share the following information about your new beneficiary: Their full legal name (no nicknames; be sure to include middle initials and any suffixes, such as Jr. or Sr.)", "account_type": "Informal trust (POD, Totten) account", "page": "web page", "source_url": "https://www.santanderbank.com/personal/resources/beneficiaries/beneficiaries-general", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving trustee (owner)", "quote": "If all beneficiaries predecease the last surviving trustee, the balance in the Account will be paid to the legal representative of the estate of that trustee.", "account_type": "Informal trust (POD, Totten) account", "page": "7", "source_url": "https://marketing.santanderbank.com/documents/330001/9686542/Personal+Deposit+Account+Agreement.pdf/0c8ab515-1538-8727-60d1-75c56d0da3b9", "form_number": "MK0034", "revision_date": "2021-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries, equal shares; otherwise one check to all as tenants in common", "quote": "after the death of the last surviving trustee and upon the request of a beneficiary, we will distribute the balance in the Account to the surviving beneficiaries and close the Account. If all beneficiaries are present in one of our branches at the time we close the Account, we will pay each beneficiary an equal share of the balance.", "account_type": "Informal trust (POD, Totten) account", "page": "7", "source_url": "https://marketing.santanderbank.com/documents/330001/9686542/Personal+Deposit+Account+Agreement.pdf/0c8ab515-1538-8727-60d1-75c56d0da3b9", "form_number": "MK0034", "revision_date": "2021-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "five beneficiaries per account", "quote": "You can add multiple beneficiaries to any eligible Santander Bank account up to five (5).", "account_type": "Informal trust (POD, Totten) account", "page": "web page", "source_url": "https://www.santanderbank.com/personal/resources/beneficiaries/beneficiaries-general", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in person at a branch", "quote": "You can simply walk in to any Santander Bank branch to start the process, or schedule an appointment ahead of time.", "account_type": "Informal trust (POD, Totten) account", "page": "web page", "source_url": "https://www.santanderbank.com/personal/resources/beneficiaries/beneficiaries-general", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-schoolsfirst", "institution": "SchoolsFirst Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, checking, money market and certificate accounts (POD/Trust account)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "with no surviving owner or beneficiary, the funds pass under California probate law", "quote": "If there are no surviving owners or beneficiaries, funds in the account are subject to the probate laws of the State of California.", "account_type": "Share, checking, money market and certificate accounts (POD/Trust account)", "page": "12", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares", "quote": "If there are no surviving owners, funds are distributed equally among the surviving beneficiaries, if any.", "account_type": "Share, checking, money market and certificate accounts (POD/Trust account)", "page": "12", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "a mailed Membership Application (which carries the POD designation) must be notarized", "quote": "Sign the application and have your signature notarized. Provide a copy of the notary's acknowledgment.", "account_type": "Share, checking, money market and certificate accounts (POD/Trust account)", "page": "1", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/membership-app.pdf", "form_number": "", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "a new dated membership application/signature card; mail (the latest dated card controls)", "quote": "The primary Member, acting alone, shall have the right to change the ownership structure of any account(s) by executing and dating a new Membership application/signature card. ... Mail everything to: SchoolsFirst FCU, Attn: Membership Development", "account_type": "Share, checking, money market and certificate accounts (POD/Trust account)", "page": "12", "source_url": "https://www.schoolsfirstfcu.org/link/72f13edcd9ba49028204e419029dc373.aspx", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-seacoast-national-bank", "institution": "Seacoast National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Pay-on-death designation (Florida single- and multiple-party accounts)" ], "florida": true, "fields": { "banned_language": { "value": "yes", "detail": "may refuse designations", "quote": "We reserve the right to refuse some forms of ownership and beneficiary designations on any or all of our accounts unless otherwise prohibited by law.", "account_type": "Pay-on-death designation (Florida single- and multiple-party accounts)", "page": "7", "source_url": "https://www.seacoastbank.com/hubfs/Deposit%20Account%20Agreement_070125_FINAL.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-simmons-bank", "institution": "Simmons Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Simmons Bank Pay-On-Death deposit account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take, in equal shares with survivorship among them", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is living when the last person who created the account dies. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, with right of survivorship.", "account_type": "Simmons Bank Pay-On-Death deposit account", "page": "web page", "source_url": "https://www.simmonsbank.com/terms-and-conditions/personal-terms-and-conditions", "form_number": "Personal Account Terms and Conditions", "revision_date": "not printed (web page)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-southstate-bank", "institution": "SouthState Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD and statutory revocable trust accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary or payee survives the last owner, you agree we will pay the funds to the last owner's estate.", "account_type": "POD and statutory revocable trust accounts", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal among survivors", "quote": "If there is more than one surviving beneficiary or payee, the funds will pass to them equally.", "account_type": "POD and statutory revocable trust accounts", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written change to the signature card", "quote": "changing the beneficiary or payee, which must be evidenced by a written change to the signature card", "account_type": "POD and statutory revocable trust accounts", "page": "web page", "source_url": "https://www.southstatebank.com/global/help/estatement-enclosures/personal-account-agreement", "form_number": "Personal Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-space-coast", "institution": "Space Coast Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and Totten trust (ITF) share accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "an individual account passes to the estate or to the POD / trust beneficiary; the case of no surviving beneficiary is not separately stated", "quote": "If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary", "account_type": "POD and Totten trust (ITF) share accounts", "page": "4", "source_url": "https://www.sccu.com/getmedia/715b382f-09a6-469a-a34d-53e99a87fbb1/SCCU-Membership-and-Account-Agreement.pdf", "form_number": "DXPS02-E", "revision_date": "2020-03", "wayback_capture": "2025-10-25", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares without survivorship among them", "quote": "when the last account owner dies, is payable to all surviving POD or Totten trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship", "account_type": "POD and Totten trust (ITF) share accounts", "page": "4", "source_url": "https://www.sccu.com/getmedia/715b382f-09a6-469a-a34d-53e99a87fbb1/SCCU-Membership-and-Account-Agreement.pdf", "form_number": "DXPS02-E", "revision_date": "2020-03", "wayback_capture": "2025-10-25", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "changes on a signed Account Change Card or Member Services Request (the POD Agreement itself was not retrievable)", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document", "account_type": "POD and Totten trust (ITF) share accounts", "page": "10", "source_url": "https://www.sccu.com/getmedia/715b382f-09a6-469a-a34d-53e99a87fbb1/SCCU-Membership-and-Account-Agreement.pdf", "form_number": "DXPS02-E", "revision_date": "2020-03", "wayback_capture": "2025-10-25", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-secu-nc", "institution": "State Employees' Credit Union (North Carolina)", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, checking, money market and certificate accounts (POD, N.C. Gen. Stat. 54-109.57A)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be the POD beneficiary, but then it must be the only beneficiary", "quote": "may have multiple owners and multiple beneficiaries unless the beneficiary is an entity other than a natural person, such as a trust, charity or other non-profit organization ... In these instances, there shall only be one beneficiary.", "account_type": "Share, checking, money market and certificate accounts (POD, N.C. Gen. Stat. 54-109.57A)", "page": "12", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "beneficiaries living at the last owner's death take in equal shares", "quote": "If there are multiple beneficiaries, we reserve the right to close the resulting joint account with the right of survivorship and distribute the funds in equal shares to the beneficiaries then living.", "account_type": "Share, checking, money market and certificate accounts (POD, N.C. Gen. Stat. 54-109.57A)", "page": "13", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "one beneficiary only when an entity (trust, charity) is named; otherwise multiple", "quote": "may have multiple owners and multiple beneficiaries unless the beneficiary is an entity other than a natural person ... In these instances, there shall only be one beneficiary.", "account_type": "Share, checking, money market and certificate accounts (POD, N.C. Gen. Stat. 54-109.57A)", "page": "12", "source_url": "https://www.ncsecu.org/pdfs/account-disclosures/AccountRulesAndRegulations.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-sun", "institution": "Sun Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share and certificate accounts (POD beneficiary designation)" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "the living primary beneficiary takes, otherwise the contingent; the form does not say what happens to one predeceased primary's share when another primary survives", "quote": "If Primary and Contingent Beneficiaries are chosen, upon Member's death, the amount in the account shall be payable to the Principal Beneficiary if living, otherwise to the Contingent Beneficiary.", "account_type": "Share and certificate accounts (POD beneficiary designation)", "page": "1", "source_url": "https://suncu.org/wp-content/uploads/2025/03/Beneficiaries-Designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" }, "notarization_or_medallion": { "value": "yes", "detail": "notarized unless signed before a Sun Credit Union employee (note on the current 2025 form only)", "quote": "This form must be notarized if not signed in the presence of a Sun Credit Union employee.", "account_type": "Share and certificate accounts (POD beneficiary designation)", "page": "1", "source_url": "https://suncu.org/wp-content/uploads/2025/03/Beneficiaries-Designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "cu-suncoast", "institution": "Suncoast Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Suncoast share and checking accounts payable on death (Signature Card POD)" ], "florida": true, "fields": { "banned_language": { "value": "yes", "detail": "a joint owner of the account cannot also be named POD beneficiary", "quote": "Joint owners may not be listed as beneficiaries.", "account_type": "Suncoast share and checking accounts payable on death (Signature Card POD)", "page": "2", "source_url": "https://www.suncoastcreditunion.com/-/media/files/forms-and-applications/scu-release-of-beneficiary.pdf", "form_number": "", "revision_date": "2014-02-05", "wayback_capture": "2023-04-04", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "original signatures required; faxed changes refused", "quote": "please complete the documents in their entirety with original signatures ... We are unable to make changes to account information presented to us by fax.", "account_type": "Suncoast share and checking accounts payable on death (Signature Card POD)", "page": "1", "source_url": "https://www.suncoastcreditunion.com/-/media/files/forms-and-applications/scu-release-of-beneficiary.pdf", "form_number": "", "revision_date": "2014-02-05", "wayback_capture": "2023-04-04", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "new beneficiaries on a Signature Card (one account per card), releases on the Release Agreement; in person at a Service Center or by mail; not by fax", "quote": "Delivering to your local Service Center ... Mailing to: Suncoast Credit Union, Attn: Account Operations P.O. Box 11904 Tampa, FL 33680-1904 ... Adding Beneficiary Signature Card", "account_type": "Suncoast share and checking accounts payable on death (Signature Card POD)", "page": "1", "source_url": "https://www.suncoastcreditunion.com/-/media/files/forms-and-applications/scu-release-of-beneficiary.pdf", "form_number": "", "revision_date": "2014-02-05", "wayback_capture": "2023-04-04", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-synchrony-bank", "institution": "Synchrony Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "P.O.D. account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "equal shares to survivors", "quote": "where there are two or more P.O.D. beneficiaries, the account will be paid in equal shares to the beneficiaries who survived all account holders.", "account_type": "P.O.D. account", "page": "3", "source_url": "https://www.synchrony.com/document/account-agreement.pdf", "form_number": "Consumer Deposit Account Agreement and Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-tampa-bay", "institution": "Tampa Bay Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, savings and checking accounts (POD; share certificates excluded)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "the owner's estate (Letters of Administration) when there is no joint owner or POD designation", "quote": "the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary. ... Letters of Administration and/or the appropriate court documents may be required when there is no joint owner, or payable on death document on file.", "account_type": "Share, savings and checking accounts (POD; share certificates excluded)", "page": "5", "source_url": "https://www.tampabayfederal.com/files/tampabayfcu/1/file/Disclosures/Universal_Acount_Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving named POD beneficiaries take; equal shares not stated expressly", "quote": "upon the death of the last Account owner, payable to any named and surviving POD designated on your Account Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries without rights of survivorship.", "account_type": "Share, savings and checking accounts (POD; share certificates excluded)", "page": "5", "source_url": "https://www.tampabayfederal.com/files/tampabayfcu/1/file/Disclosures/Universal_Acount_Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-td-bank", "institution": "TD Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit \"trust account\" without a written trust (Revocable Unwritten Trust, the TD form of POD)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "beneficiary must be living", "quote": "In the event of your death, the Account will belong to the person you named as Account beneficiary, if that person is still living.", "account_type": "Deposit \"trust account\" without a written trust (Revocable Unwritten Trust, the TD form of POD)", "page": "11", "source_url": "https://www.td.com/content/dam/tdb/document/pdf/personal-banking/personalacctagree-en.pdf", "form_number": "Personal Deposit Account Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-huntington-national-bank", "institution": "The Huntington National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD and informal (\"in trust for\", Totten) trust" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "informal trust (CD rules), state law decides if no beneficiary survives; Indiana POD, estate", "quote": "beneficiary, applicable state law will determine ownership of the funds in the account. If ... If there is no surviving original beneficiary, then her share will pass to", "account_type": "Deposit account POD and informal (\"in trust for\", Totten) trust", "page": "11", "source_url": "https://www.huntington.com/-/media/pdf/RETDisclosure.pdf", "form_number": "", "revision_date": "2017-02-18", "wayback_capture": "2024-02-15", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "Indiana accounts, a predeceased lineal-descendant beneficiary's share goes to his or her lineal descendants unless \"No LDPS\" is written; other lapsed shares go to the remaining original beneficiaries, then the estate; no general rule for other states", "quote": "If you are an Indiana resident or are opening your account in Indiana, and you ... designate a beneficiary who is a lineal descendant and that beneficiary does ... not survive you, that beneficiary's share of your account will pass to his or her ... share will pass to the remaining original beneficiary(ies) you designated.", "account_type": "Deposit account POD and informal (\"in trust for\", Totten) trust", "page": "11", "source_url": "https://www.huntington.com/-/media/pdf/RETDisclosure.pdf", "form_number": "", "revision_date": "2017-02-18", "wayback_capture": "2024-02-15", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-third-federal-savings-and-loan-association-of-cleveland", "institution": "Third Federal Savings and Loan Association of Cleveland", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts (single-party and multiple-party with survivorship)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate of the last surviving owner if no POD beneficiary survives", "quote": "If no beneficiary survives the POD account owner(s), funds on deposit belong to the estate of the last surviving POD account owner.", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "web page", "source_url": "https://www.thirdfederal.com/disclosures", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-04", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take; the agreement does not state the shares", "quote": "On the death of the sole POD account owner or the last survivor of two or more POD account owners, funds on deposit belong to the surviving beneficiary or beneficiaries.", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "web page", "source_url": "https://www.thirdfederal.com/disclosures", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-04", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "signed by all POD owners; account changes in writing or electronically through Online Banking", "quote": "all POD owners must sign to change and/or delete the designated beneficiary/beneficiaries ... You must notify us of any changes related to the account and its ownership and use, either in writing or if you are enrolled in Online Banking services, electronically", "account_type": "POD deposit accounts (single-party and multiple-party with survivorship)", "page": "web page", "source_url": "https://www.thirdfederal.com/disclosures", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-04", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-trax", "institution": "TRAX Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (ITF) share accounts" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "an individual account passes to the estate or to the POD / trust beneficiary; the case of no surviving beneficiary is not separately stated", "quote": "If the account owner dies, the interest passes, subject to applicable law, to the account owner's estate or Payable on Death (POD) beneficiary/payee or trust beneficiary", "account_type": "POD and trust (ITF) share accounts", "page": "1", "source_url": "https://www.traxcu.com/_/kcms-doc/2061/65694/Account-Terms-Conditions.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take, in equal shares without survivorship among them", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD and trust (ITF) share accounts", "page": "1", "source_url": "https://www.traxcu.com/_/kcms-doc/2061/65694/Account-Terms-Conditions.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "account ownership features are designated on the Account Card or in the online application; POD is not named specifically in this sentence", "quote": "Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union's online application and authentication process.", "account_type": "POD and trust (ITF) share accounts", "page": "1", "source_url": "https://www.traxcu.com/_/kcms-doc/2061/65694/Account-Terms-Conditions.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "Account Card at opening or online application; changes on a signed Account Change Card or Member Services Request", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document", "account_type": "POD and trust (ITF) share accounts", "page": "6", "source_url": "https://www.traxcu.com/_/kcms-doc/2061/65694/Account-Terms-Conditions.pdf", "form_number": "D1001E-E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-tri-counties-bank", "institution": "Tri Counties Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Payable on Death (P.O.D.) and Totten trust deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only payees surviving all owners take, equally unless the bank's records show otherwise; the same rule applies to Totten trust beneficiaries", "quote": "When all account owners have died the account is owned by the surviving P.O.D. payee(s). A P.O.D. payee must survive the death of all account owners to receive any interest in the account funds.", "account_type": "Payable on Death (P.O.D.) and Totten trust deposit accounts", "page": "5", "source_url": "https://www.tcbk.com/download_file/view/418e8fcc-2859-41ba-93a6-2734ccfe4bb5", "form_number": "", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "flcu-tropical-financial", "institution": "Tropical Financial Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust share accounts" ], "florida": true, "fields": { "trust_primary": { "value": "yes", "detail": "the account may be made payable at death to the successor trustee of a trust shown on a Certification of Trust", "quote": "upon the death of the last account owner, payable to any named and surviving beneficiary as designated on your beneficiary assignment or payable to the successor trustee for the trust beneficiary designated on your separate Certification of Trust", "account_type": "POD and trust share accounts", "page": "6", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "a separate Certification of Trust identifies the trust beneficiary", "quote": "payable to the successor trustee for the trust beneficiary designated on your separate Certification of Trust", "account_type": "POD and trust share accounts", "page": "6", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "no designation, probate estate; the case of no surviving beneficiary is not separately stated", "quote": "Accounts without designated beneficiaries will become part of the decedent's probate estate.", "account_type": "POD and trust share accounts", "page": "7", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving named beneficiaries take", "quote": "upon the death of the last account owner, payable to any named and surviving beneficiary", "account_type": "POD and trust share accounts", "page": "6", "source_url": "https://www.tropicalfcu.com/hubfs/Consumer%20Account%20Disclosures%2011-2025.pdf?hsLang=en", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-tru-fi", "institution": "Tru-Fi Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "POD and trust (in trust for) share and deposit accounts" ], "florida": true, "fields": { "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take, in equal shares, unless the credit union permits and documents otherwise", "quote": "when the last account owner dies, is payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the beneficiaries/payees will own the funds jointly in equal shares without rights of survivorship when there is more than one surviving beneficiary/payee.", "account_type": "POD and trust (in trust for) share and deposit accounts", "page": "4", "source_url": "https://www.truficu.org/assets/files/wByld359", "form_number": "DXPS02-E", "revision_date": "2021-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "account changes may require a signed Account Change Card or Member Services Request; the designation itself is made on the Account Card or in the online application", "quote": "We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be evidenced by a signed Account Change Card, Member Services Request, or other document", "account_type": "POD and trust (in trust for) share and deposit accounts", "page": "10", "source_url": "https://www.truficu.org/assets/files/wByld359", "form_number": "DXPS02-E", "revision_date": "2021-04", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-truist-bank", "institution": "Truist Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD (ITF, ATF, TOD, Totten trust titles)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "unequal shares are only a request the bank may ignore", "quote": "Any designation of funds to multiple beneficiaries in an amount or percentage other than equally shall be considered only as a request to the Bank. The Bank may honor any such request in its sole discretion.", "account_type": "Deposit account POD (ITF, ATF, TOD, Totten trust titles)", "page": "12", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives the last owner, the funds are payable to the last owner's estate.", "account_type": "Deposit account POD (ITF, ATF, TOD, Totten trust titles)", "page": "12", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries take in equal shares; no survivorship after they take", "quote": "Upon the death of the last owner, the funds remaining in the account will pass to the beneficiary. If there is more than one surviving beneficiary, the funds will pass to them in equal and undivided shares", "account_type": "Deposit account POD (ITF, ATF, TOD, Totten trust titles)", "page": "12", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "by changing the signature card; channel not stated", "quote": "A change in a beneficiary is effective only upon a change to the signature card", "account_type": "Deposit account POD (ITF, ATF, TOD, Totten trust titles)", "page": "12", "source_url": "https://www.truist.com/content/dam/truist-bank/us/en/documents/disclosures/personal/truist-bank-services-agreement.pdf", "form_number": "Bank Services Agreement and Privacy Notice", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-u-s-bank", "institution": "U.S. Bank National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account Pay-on-Death (also Tentative, Totten, ITF, \"Revocable Trust\" titles)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "Missouri accounts only, by adding \"LDPS\" to the account title; not offered elsewhere", "quote": "Adding the acronym LDPS (which stands for lineal descendants, per stirpes) to a Revocable Trust or Pay-on-Death account in Missouri, changes the rights of beneficiaries of such accounts.", "account_type": "Deposit account Pay-on-Death (also Tentative, Totten, ITF, \"Revocable Trust\" titles)", "page": "13", "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf", "form_number": "Your Deposit Account Agreement", "revision_date": "2026-11-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "Missouri LDPS, unnamed lineal descendants of a predeceased beneficiary take that share per stirpes", "quote": "LDPS designation means that if a named beneficiary of such an account dies before the account owner, then the unnamed lineal descendants of that deceased beneficiary will acquire the share of the deceased beneficiary on the death of the owner per stirpes.", "account_type": "Deposit account Pay-on-Death (also Tentative, Totten, ITF, \"Revocable Trust\" titles)", "page": "13", "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf", "form_number": "Your Deposit Account Agreement", "revision_date": "2026-11-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "Missouri accounts only, \"LDPS\" appended to a named beneficiary in the title", "quote": "Adding the acronym LDPS (which stands for lineal descendants, per stirpes) to a Revocable Trust or Pay-on-Death account in Missouri", "account_type": "Deposit account Pay-on-Death (also Tentative, Totten, ITF, \"Revocable Trust\" titles)", "page": "13", "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf", "form_number": "Your Deposit Account Agreement", "revision_date": "2026-11-16", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries share equally; a predeceased beneficiary's estate and heirs take nothing (Missouri LDPS titles excepted)", "quote": "the surviving beneficiaries acquire and can withdraw an equal share with the other surviving beneficiaries, without survivorship rights between beneficiaries. If a beneficiary dies before the creator, neither the beneficiary's estate nor heirs acquire anything on the death of the owner.", "account_type": "Deposit account Pay-on-Death (also Tentative, Totten, ITF, \"Revocable Trust\" titles)", "page": "13", "source_url": "https://www.usbank.com/dam/en/documents/pdfs/disclosures/your-deposit-account-agreement.pdf", "form_number": "Your Deposit Account Agreement", "revision_date": "2026-11-16", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-united-bank", "institution": "United Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD (ITF, ATF, TOD, Totten trust) designations" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "nonconforming designations removed", "quote": "We may remove any beneficiary designation that does not meet our requirements.", "account_type": "POD (ITF, ATF, TOD, Totten trust) designations", "page": "3", "source_url": "https://www.bankwithunited.com/content/dam/unitedbank/documents/online-account-opening/United-Bank-Consumer-Deposit-Account-Terms-and-Conditions_Effective-Sept2026.pdf", "form_number": "Consumer Deposit Account Terms and Conditions", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to remaining beneficiaries; equal shares", "quote": "If a beneficiary dies before the last surviving Account Holder, the deceased beneficiary's share will be distributed to the remaining beneficiaries unless otherwise required by applicable law.", "account_type": "POD (ITF, ATF, TOD, Totten trust) designations", "page": "3", "source_url": "https://www.bankwithunited.com/content/dam/unitedbank/documents/online-account-opening/United-Bank-Consumer-Deposit-Account-Terms-and-Conditions_Effective-Sept2026.pdf", "form_number": "Consumer Deposit Account Terms and Conditions", "revision_date": "2026-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-united-community-bank", "institution": "United Community Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable trust or pay-on-death deposit account" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries in equal shares (Georgia terms); the Florida (FNBSM) terms say only that ownership passes to the POD beneficiaries outside the estate", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable trust or pay-on-death deposit account", "page": "web page", "source_url": "https://www.ucbi.com/terms-and-conditions/georgia", "form_number": "", "revision_date": "", "wayback_capture": "2026-05-16", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-united-southern-bank", "institution": "United Southern Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts" ], "florida": true, "fields": {} }, { "inst_id": "bank-usaa-federal-savings-bank", "institution": "USAA Federal Savings Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust or entity may be named", "quote": "such as when you name a trust or other entity as a", "account_type": "Deposit account POD", "page": "30", "source_url": "https://static.usaa.com/content/dam/digital/documents/pdf/bank/bk-depository-agreement-and-disclosures-current.pdf", "form_number": "Depository Agreement & Disclosures", "revision_date": "current (not printed)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving POD payees", "quote": "to be payable on the account owner's death (or the death of the last surviving account owner, as applicable) to a surviving designated", "account_type": "Deposit account POD", "page": "5", "source_url": "https://static.usaa.com/content/dam/digital/documents/pdf/bank/bk-depository-agreement-and-disclosures-current.pdf", "form_number": "Depository Agreement & Disclosures", "revision_date": "current (not printed)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-usf", "institution": "USF Federal Credit Union", "segment": "credit_union", "account_group": "bank_pod", "account_types": [ "Share, share draft and certificate accounts (POD)" ], "florida": true, "fields": { "default_beneficiary": { "value": "yes", "detail": "single owner account passes to the estate or POD beneficiary; letters of administration when no joint owner or POD", "quote": "the interest of a deceased individual owner will pass, subject to applicable law, to the decedent's estate or Payable on Death (POD) beneficiary ... Letters of Administration and/or the appropriate court documents may be required when there is no joint owner, or payable on death document on file.", "account_type": "Share, share draft and certificate accounts (POD)", "page": "7", "source_url": "https://www.usffcu.com/files/usfcu/1/file/Disclosures/uaa.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving POD beneficiaries take; two or more take jointly with survivorship among them", "quote": "upon the death of the last Account owner, such POD Account is payable to any named and surviving POD designated on your Account Card. Accounts payable to more than one surviving beneficiary are owned jointly by such beneficiaries with rights of survivorship.", "account_type": "Share, share draft and certificate accounts (POD)", "page": "8", "source_url": "https://www.usffcu.com/files/usfcu/1/file/Disclosures/uaa.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing, accepted by the CU (channel not stated)", "quote": "Any POD designation must be unequivocal and accepted and acknowledged by us in writing. ... To be binding with the Credit Union, such revocation must be in writing and accepted by us.", "account_type": "Share, share draft and certificate accounts (POD)", "page": "8", "source_url": "https://www.usffcu.com/files/usfcu/1/file/Disclosures/uaa.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-valley-national-bank", "institution": "Valley National Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable trust (informal) and P.O.D. accounts" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "payment to a parent, custodian or guardian where state law requires", "quote": "we are not otherwise required by New Jersey law to make payment to a parent, custodian, or guardian", "account_type": "Revocable trust (informal) and P.O.D. accounts", "page": "7", "source_url": "https://valley.com/content/dam/valley/pdfs/privacy-policy/AAYA%20w%20TOC%20Fees%20and%20Privacy%20Notice%207-1-25-ADA.pdf", "form_number": "VLY11370", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares among survivors (New Jersey text; other states similar)", "quote": "If two or more beneficiaries/P.O.D. payees are named and survive the death of all parties creating the account, such beneficiaries/P.O.D. payees will own this account in equal shares, without right of survivorship.", "account_type": "Revocable trust (informal) and P.O.D. accounts", "page": "7", "source_url": "https://valley.com/content/dam/valley/pdfs/privacy-policy/AAYA%20w%20TOC%20Fees%20and%20Privacy%20Notice%207-1-25-ADA.pdf", "form_number": "VLY11370", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-washington-trust-bank", "institution": "Washington Trust Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Revocable trust or pay-on-death deposit accounts" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the death of all owners take, in equal shares without survivorship among them; a predeceased beneficiary takes nothing", "quote": "Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "Revocable trust or pay-on-death deposit accounts", "page": "2", "source_url": "https://www.watrust.com/images/Disclosures/PersonalProductsDisclosure_%2012_1_12.pdf", "form_number": "", "revision_date": "2012-12", "wayback_capture": "2013-01-29", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-webster-bank", "institution": "Webster Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD deposit accounts" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "the last surviving owner's legal representative (estate)", "quote": "If no designated beneficiary is living when the last surviving account owner dies, we are entitled to pay funds in the account to the legal representative of the last surviving account owner.", "account_type": "POD deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take; by default surviving beneficiaries own in equal shares as joint tenants with right of survivorship", "quote": "A designated beneficiary acquires the right to the account only if: (a) all account owners die, and (b) the beneficiary is then living. ... Upon the death of the last surviving account owner, we are entitled to pay funds in an account with a payable on death designation to the then-surviving designated beneficiaries", "account_type": "POD deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "on the bank's forms (channel not specified); latest designation received controls", "quote": "Changes in the designated beneficiaries must be made on such forms as we require. The most recent beneficiary designation we have received terminates, supersedes and replaces any prior payable on death designation for the specified account.", "account_type": "POD deposit accounts", "page": "9", "source_url": "https://www.websterbank.com/wp-content/uploads/2023/08/deposit-account-agreement.pdf", "form_number": "FN03106", "revision_date": "2026-08-20", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-wells-fargo-bank", "institution": "Wells Fargo Bank, National Association", "segment": "bank", "account_group": "bank_pod", "account_types": [ "Deposit account POD (ITF and TOD titles treated as POD)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "no beneficiary, probate documents", "quote": "One of the following is required if no beneficiary is named on the account: A certified copy of probate documentation, most commonly a court-issued document appointing an executor or administrator", "account_type": "Deposit account POD (ITF and TOD titles treated as POD)", "page": "1", "source_url": "https://www08.wellsfargomedia.com/assets/pdf/personal/help/estate-care-center-checklist.pdf", "form_number": "Estate Care Center checklist", "revision_date": "2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving beneficiaries only", "quote": "A POD account is payable to the surviving beneficiaries you designated on your account when we receive proof of your death or the death of the last surviving co-owner.", "account_type": "Deposit account POD (ITF and TOD titles treated as POD)", "page": "4", "source_url": "https://www.wellsfargo.com/assets/pdf/small-business/agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-28", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written notice to the bank; branch appointment", "quote": "You and any co-owner may change beneficiaries anytime by notifying us in writing. ... For further assistance, please schedule a branch appointment", "account_type": "Deposit account POD (ITF and TOD titles treated as POD)", "page": "4", "source_url": "https://www.wellsfargo.com/assets/pdf/small-business/agreement.pdf", "form_number": "Deposit Account Agreement", "revision_date": "2026-07-28", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-wesbanco-bank-inc", "institution": "WesBanco Bank, Inc.", "segment": "bank", "account_group": "bank_pod", "account_types": [ "In Trust For or Payable on Death account" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "the account reverts to the owner(s)", "quote": "If all of the beneficiaries predecease the trustee(s), the named beneficiary's(ies') death shall terminate the trust and title to the money that is credited to the trust shall vest in the trustee(s).", "account_type": "In Trust For or Payable on Death account", "page": "2", "source_url": "https://www.wesbanco.com/wp-content/uploads/2023/04/Deposit-Account-Agreement-Personal.pdf", "form_number": "Deposit Account Agreement (Personal)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only beneficiaries living at the last owner's death take, equal shares without survivorship unless otherwise indicated; contingent beneficiaries take if the primary predeceases; if all predecease, funds stay with the owner", "quote": "The beneficiary(ies) acquires the right to withdraw only if: (i) all of the trustees die, and (ii) the beneficiary is then living. ... If two or more beneficiaries are named and survive the death of all of the trustees, such beneficiaries will own this account in equal shares without right of survivorship, unless otherwise indicated. If the primary beneficiary predeceases the owner(s), when two or more contingent beneficiaries are named and survive the death of the owner(s), such beneficiaries will own this account in equal shares", "account_type": "In Trust For or Payable on Death account", "page": "2", "source_url": "https://www.wesbanco.com/wp-content/uploads/2023/04/Deposit-Account-Agreement-Personal.pdf", "form_number": "Deposit Account Agreement (Personal)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written direction to the bank (channel not stated)", "quote": "the trustee(s) may change the named beneficiary(ies) at any time by a written direction to us", "account_type": "In Trust For or Payable on Death account", "page": "2", "source_url": "https://www.wesbanco.com/wp-content/uploads/2023/04/Deposit-Account-Agreement-Personal.pdf", "form_number": "Deposit Account Agreement (Personal)", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-western-alliance-bank", "institution": "Western Alliance Bank", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD account (informal or Totten trust)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "title must contain POD wording or the designation may fail", "quote": "You may be required to include certain words or letters in the Account title to create a POD account, such as: \"payable on death,\" \"POD,\" \"in trust for,\" \"ITF,\" \"transfer on death\", \"TOD\", or \"Totten Trust\". ... in the event those requirements are not met, Bank may treat the Account as if no POD beneficiary was named.", "account_type": "POD account (informal or Totten trust)", "page": "9", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal among survivors unless records say otherwise", "quote": "If there is more than one surviving beneficiary, the respective interest of each shall be deemed to be in equal shares, unless otherwise stated in Bank's Account", "account_type": "POD account (informal or Totten trust)", "page": "10", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written direction to the bank; channel not stated", "quote": "As the owner of the Account, you may withdraw money from the Account and, by written direction to Bank, change the beneficiary(ies) on the Account.", "account_type": "POD account (informal or Totten trust)", "page": "9", "source_url": "https://www.westernalliancebancorporation.com/sites/default/files/2025-09/wab-deposit-account-agreement-and-disclosure.pdf", "form_number": "Deposit Account Agreement and Disclosure", "revision_date": "Effective October 2023", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-zions-bancorporation-n-a", "institution": "Zions Bancorporation, N.A.", "segment": "bank", "account_group": "bank_pod", "account_types": [ "POD, Totten trust and \"trust account\" (informal) designations" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate only if all beneficiaries die first", "quote": "The trust account is not a part of a trustee's estate and does not pass under the trustee's will or by intestacy, unless the trustee survives all of the beneficiaries and all other trustees.", "account_type": "POD, Totten trust and \"trust account\" (informal) designations", "page": "6", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "California division, living beneficiaries, equal shares, no survivorship among them", "quote": "Beneficiaries cannot withdraw unless: (i) all persons creating the account die, and (ii) the beneficiary is then living. If two or more beneficiaries are named and ... such beneficiaries will own this account in equal shares, without right of survivorship.", "account_type": "POD, Totten trust and \"trust account\" (informal) designations", "page": "6", "source_url": "https://www.zionsbank.com/content/dam/zbna/atlas/pdfs/agreements-disclosures/business/deposit-products/DAA%20Effective%2011-22%20Real%20Time%20Processing%20Final.pdf", "form_number": "Deposit Account Agreement", "revision_date": "Effective 11-22", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "acorns", "institution": "Acorns (Acorns Securities, LLC)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Acorns taxable account TOD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust and trustee name", "quote": "Name of beneficiary/trust Name of trustee (if applicable)", "account_type": "Acorns taxable account TOD", "page": "1", "source_url": "https://sqy7rm.media.zestyio.com/Acorns-Beneficiary-Form.pdf", "form_number": "Beneficiary Form and Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trustee, TIN", "quote": "Name of beneficiary/trust Name of trustee (if applicable) ... OR Tax ID Number", "account_type": "Acorns taxable account TOD", "page": "1", "source_url": "https://sqy7rm.media.zestyio.com/Acorns-Beneficiary-Form.pdf", "form_number": "Beneficiary Form and Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and trustee name; no trust date field", "quote": "Name of beneficiary/trust ... Name of trustee (if applicable)", "account_type": "Acorns taxable account TOD", "page": "1", "source_url": "https://sqy7rm.media.zestyio.com/Acorns-Beneficiary-Form.pdf", "form_number": "Beneficiary Form and Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email", "quote": "Please complete and email this form to support@acorns.com.", "account_type": "Acorns taxable account TOD", "page": "1", "source_url": "https://sqy7rm.media.zestyio.com/Acorns-Beneficiary-Form.pdf", "form_number": "Beneficiary Form and Agreement", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ally", "institution": "Ally Invest (Ally Invest Securities; clearing and custody through Apex Clearing per form)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (cleared by Apex Clearing)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name, all trustees, date", "quote": "Primary Beneficiaries (If designating a trust, please provide trust name, names of all trustees, and date established).", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same details", "quote": "Contingent Beneficiaries (If designating a trust, please provide trust name, names of all trustees, and date established).", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, all trustees, date established", "quote": "If designating a trust, please provide trust name, names of all trustees, and date established", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, names of all trustees and date established", "quote": "If designating a trust, please provide trust name, names of all trustees, and date established", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Do not use fractional percentages or dollar amounts.", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "as if no TOD (owner's estate)", "quote": "If none of the Primary or Contingent beneficiaries I (We) have designated survives me (us), any interest I (We) may have in this account shall pass as if my (our) Transfer on Death instructions did not exist.", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries", "quote": "If the death of one or more designated Primary Beneficiary(ies) precedes my (our) death, the interest they would have received from his account will be paid, upon my (our) death, to my surviving Primary Beneficiary(ies) Pro Rata", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states", "quote": "Spouse's signature is required if the spouse and/or Account Holder reside(s) in a Community Property or Marital Property State, and the spouse is not an account holder, or named as the sole primary beneficiary.", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/invest/non-ira-beneficiary-election.pdf", "form_number": "Ally Invest Transfer on Death Form V3", "revision_date": "Updated 20260528", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form (upload, fax or mail); no online designation", "quote": "To change or add a beneficiary to a non-IRA Ally Invest account, complete the Beneficiary Form (PDF) , then upload it in the forms section after logging in.", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "web page", "source_url": "https://www.ally.com/help/invest/iras/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail; upload online", "quote": "Please complete this form in its entirety and return via fax, mail, or upload online. ... To change or add a beneficiary to a non-IRA Ally Invest account, complete the Beneficiary Form (PDF) , then upload it in the forms section after logging in.", "account_type": "Brokerage TOD (cleared by Apex Clearing)", "page": "web page", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ameriprise", "institution": "Ameriprise Financial (Ameriprise Trust Company, custodian)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "option E \"Other\"", "quote": "Beneficiary Name* (provide full name of Person, Trust, or Organization designated as beneficiary) ... Trust Date* (if Trust named)", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary beneficiaries under option E", "quote": "Select Primary or Secondary Status* (Select one) Primary Secondary", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full trust name and trust date required; testamentary trust needs will article and paragraph", "quote": "Beneficiary Name* (provide full name of Person, Trust, or Organization designated as beneficiary) ... Trust Date* (if Trust named)", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date required", "quote": "Beneficiary Name* (provide full name of Person, Trust, or Organization designated as beneficiary) ... Trust Date* (if Trust named)", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "preset family options only", "quote": "B. Spouse if Living, if not, Lawful Children With Rights of Survivorship per Stirpes.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased child's share to that child's children; stepchildren and grandchildren excluded from \"lawful children\"", "quote": "if a child of the owner has died before the owner, the share which the child would have received if he or she survived the owner will be paid to his or her children legally born to, or legally adopted by that deceased child, per stirpes.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "preset \"lawful children\" classes (after-born included; stepchildren and grandchildren excluded)", "quote": "if \"lawful children\" is included in my TOD, such registration shall be deemed to include any legitimate children born to or children legally adopted by me before or after the date of this Agreement whether or not listed by name on this Agreement.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "4", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "free-form \"Text Other\" or signed attachment", "quote": "F. Text Other. This beneficiary designation is considered to be with rights of survivorship if you do not indicate otherwise. If you are using an attachment to provide a free-form beneficiary designation, the attachment must also be signed and dated by all owners of the account(s) and all account numbers must be listed.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "corporate office approval", "quote": "All beneficiary designations are subject to the approval of the corporate office.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian and successor custodian on form", "quote": "If any beneficiary listed in this form is a minor, I hereby request that proceeds be paid to [...] as custodian under the [...] (name of state) UTMA (not available in Vermont).", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "option E, proportional to survivors; without a survivorship provision, lapsed share to owner's estate", "quote": "If a primary beneficiary pre-deceases the owner, the share a primary beneficiary would have received had he or she survived the owner will be divided proportionately among the surviving beneficiaries. ... I understand that if no survivorship provision is indicated in my TOD registration, any funds earmarked to a beneficiary who precedes me in death will be paid to my estate.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "This consent of spouse must be signed if all of the following conditions are present: (a) the spouse of the owner is living, (b) is not the sole primary beneficiary named, and (c) the owner and spouse are residents of a community property state", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "attach more under option F", "quote": "I have a long designation and need more room on the form; what should I do? Complete the form requirements as usual but Check the Option Circle \"F\" called \"Text Other\" on your beneficiary form and write, \"See Attached.\"", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online; the only option for Ameriprise Bank products", "quote": "Online in the secure site on ameriprise.com (this is the only option available for Ameriprise Bank products.)", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; through the financial advisor; paper form 3214", "quote": "Online in the secure site on ameriprise.com ... Contact your financial advisor to fill out a new form that can be sent to you for signature ... Transfer on Death Agreement Form", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "forms within five business days; online immediate", "quote": "When you submit a form, your beneficiary designation will be reviewed and acknowledged within five business days.", "account_type": "Brokerage, SPS, Ameriprise ONE, certificate and mutual fund TOD (Minnesota Uniform TOD Security Registration Act)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "apex-clearing", "institution": "Apex Clearing Corporation (Apex Fintech Solutions)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Apex form 69448P-UTOD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name, all trustees, date", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same", "quote": "CONTINGENT BENEFICIARY(S) If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "3", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, all trustees, date established", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, names of all trustees and date established", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Fractional percentages or dollar amounts are not accepted.", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "passes as if no TOD registration (owner's estate or surviving joint owner)", "quote": "If none of the Primary or Contingent beneficiaries I (We) have designated survives me (us), any interest I (We) may have in this account shall pass as if my (our) Transfer on Death instructions did not exist.", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "4", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; same rule for contingents", "quote": "In the event of the death of one or more designated Primary Beneficiary(s) precedes my (our) death, the interest they would have received from this account will be paid, upon my (our) death, to my (our) surviving Primary Beneficiary(s) Pro Rata", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "4", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states", "quote": "spouse is not an account holder, or named as the sole primary beneficiary. By signing, spouse voluntarily and irrevocably consents to the beneficiary designation", "account_type": "Brokerage TOD (Apex form 69448P-UTOD)", "page": "5", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (affiliate Axos Clearing LLC form)", "quote": "One or more natural persons or entities can be designated to receive the securities in a TOD Account. If a trust is designated as a beneficiary, the designation must include the date of the trust agreement and the name of the trustee serving at the time of designation.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "3", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "persons or entities as contingent", "quote": "The Account Holder(s) may also designate one or more persons or entities to take the securities in the event the primary beneficiary dies.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "4", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date, current trustee name, address and SSN or tax ID", "quote": "the designation must include the date of the trust agreement and the name of the trustee serving at the time of designation. ... For each beneficiary, the Account Holder(s) must provide the name, address and social security number or tax ID.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "3", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and current trustee; successor trustees included; a trust revoked before death is treated as a predeceased beneficiary", "quote": "the designation must include the date of the trust agreement and the name of the trustee serving at the time of designation. A designation of a trustee of the trust shall be deemed to include any successor trustee.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "3", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a per stirpes box on each beneficiary line; its effect is not explained", "quote": "PER STIRPES", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "1", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "class designations are not effective; each living beneficiary must be named", "quote": "An Account Holder cannot designate any person as a beneficiary unless such person is alive. For example, the beneficiary designation \"the children of John Doe\" is not effective.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "4", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian may be designated; otherwise transfer to a guardian or conservator or to the owner's estate", "quote": "An Account Holder of a TOD Account can designate the custodian properly appointed under the Uniform Transfer to Minors Act (\"UTMA\") to receive securities for the benefit of a minor.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "4", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate; also if the account is re-registered to an ineligible type", "quote": "If no primary or contingent beneficiary is living on the Date of Death, the TOD Account assets will be paid to the estate of the Account Holder.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "2", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries pro rata, then to surviving contingents pro rata", "quote": "Only beneficiaries living on the Date of Death are eligible to receive TOD Account assets. ... such eligible assets shall be distributed to the primary beneficiaries who survive the Account Holder in the same proportion that their original shares bear to each other", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "2", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke (agreement governed by Nebraska law)", "quote": "Changes in the relationship between the Account Holder and any other beneficiary, including but not limited to subsequent marriage, divorce, remarriage or adoption, will not automatically add or revoke designations of beneficiaries.", "account_type": "Axos Advisor Services brokerage TOD (Transfer on Death Agreement TOD 5/2025; affiliate Axos Clearing LLC; Nebraska law)", "page": "2", "source_url": "https://www.axos.com/documents/transfer-on-death", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-08-15", "retrieved": "2026-09-24" } } }, { "inst_id": "betterment", "institution": "Betterment", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Betterment investing and Cash Reserve accounts (beneficiary designation)" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "allowed but not recommended; court-appointed custodian or guardian before payout", "quote": "If a minor should be appointed as a beneficiary of an account, Betterment may require court-appointed custodial documentation or an official guardian for the minor beneficiary prior to any funds being transferred.", "account_type": "Betterment investing and Cash Reserve accounts (beneficiary designation)", "page": "web page", "source_url": "https://www.betterment.com/help/minors-as-beneficiaries", "form_number": "", "revision_date": "2021-07-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, per account, primary and contingent", "quote": "Once here, you can enter your primary and contingent beneficiary information for each account.", "account_type": "Betterment investing and Cash Reserve accounts (beneficiary designation)", "page": "web page", "source_url": "https://www.betterment.com/help/adding-beneficiaries", "form_number": "", "revision_date": "2021-07-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online only", "quote": "You understand that any change or revocation must be provided in writing to Betterment via the Betterment interface.", "account_type": "Betterment investing and Cash Reserve accounts (beneficiary designation)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bny-mellon", "institution": "BNY Mellon, National Association", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (affiliate fund form, not a BNY Mellon, N.A. document)", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes (secondary)", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee name and address, trust name and date; SSN or tax ID column", "quote": "write the name and address of the trustee, then give the name and date of the trust agreement ... Soc. Sec. No./Tax ID No.", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ret-transfer-on-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name and address plus trust name and date", "quote": "write the name and address of the trustee, then give the name and date of the trust agreement", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a per stirpes box on each beneficiary and contingent line; the owner names a Responsible Individual", "quote": "If your beneficiary designation is per stirpes, you understand ... I understand that if I choose per stirpes I will name a", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to his or her heirs in equal parts; a named Responsible Individual (or else the executor) instructs Pershing on per stirpes questions and binds all beneficiaries", "quote": "that if your beneficiary(ies) dies before you, the beneficiary's ... share of the account will pass to his or her respective heirs. ... the portion of the account designated for the deceased ... Beneficiary shall pass to his or her heirs in equal parts.", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "default method unless per stirpes is checked; \"per capita\" here means a predeceased beneficiary's share lapses (not per capita at each generation)", "quote": "will use the per capita method of beneficiary designation, ... in which a particular beneficiary's rights end with the death", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian must be named; the owner cannot be custodian", "quote": "If a beneficiary is a minor, you must designate a custodian and provide the minor's date of birth. ... Custodian, if beneficiary is a minor (account owner cannot be designated as the custodian)", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no beneficiary survives", "quote": "Beneficiary survives me, then the proceeds of my account ... shall pass to my estate", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "secondaries take only if no primary survives; fractional shares go to the first-named primary or secondary", "quote": "Any secondary beneficiary you name will receive all or a portion of your account balance only if all primary beneficiaries pre-decease you. ... we will transfer ownership of your account to your contingent beneficiaries only if there are no surviving primary beneficiaries", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states (AZ, CA, ID, NV, NM, TX, WA, WI)", "quote": "If you are married, reside in a community property or marital ... property state, and you designate someone other than your ... spouse as your Sole Beneficiary(ies), your spouse must sign", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form before a notary and waives community and marital property rights", "quote": "REQUIRED NOTARIZATION OF SPOUSE'S SIGNATURE", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke, divorce has no effect until a new TOD agreement is received; Pershing need not follow a divorce agreement unless a court orders", "quote": "then the dissolution of our marriage shall have no effect on ... the designation of Beneficiary unless and until Pershing ... receives notice to the contrary by receipt of a new Transfer", "account_type": "BNY Brokerage Account TOD (Individual and Joint Transfer on Death Account Agreements MBS-XTD-0726 and MBS-XJT-0726; BNY Brokerage Services, a division of BNY Mellon Securities Corporation; Pershing LLC clearing agent)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 secondary lines on the TOD form (8 lines on IM-BEN-0525); extra sheet allowed", "quote": "If you wish to designate more than four primary or more than four secondary beneficiaries, please attached a separate sheet.", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "online changes are for IRAs only; TOD by form", "quote": "For IRAs only, please note that beneficiaries can be added or changed by logging into your account online at www.bnyfunds.com.", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "4", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or overnight) to BNY Mellon Shareholder Services or BNY Mellon Institutional Department, Pittsburgh; a digital Beneficiary Designation Form is listed, signed by all registered owners", "quote": "Please mail this form to: BNY Mellon Shareholder Services ... Available Digital Forms ... Designate or change beneficiaries on your account(s) for IRAs or Non-IRAs Individual or Joint Tenant Transfer on Death (TOD) accounts. The form must be signed by all registered owners.", "account_type": "BNY mutual fund TOD registration (forms RET-TOD-0124, IST-TOD-0124, IM-BEN-0525 non-IRA part, IM-CARF-0525 application; BNY Mellon Securities Corporation distributor, BNY Mellon Transfer, Inc. transfer agent; Maryland Uniform TOD Act procedures)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "schwab", "institution": "Charles Schwab (incl. legacy TD Ameritrade accounts converted to Schwab)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "full trust name", "quote": "Primary Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "full trust name", "quote": "Contingent Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, TIN, trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes or per capita, individuals only", "quote": "You may select either a per stirpes distribution or a per capita distribution.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only; Schwab's own definition governs", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's(ies') children and no further descendants.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; one generation only", "quote": "Please select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "3", "source_url": "https://bynder.schwab.com/m/170a5642dfd230af/", "form_number": "APP12461-16", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only", "quote": "changed or cancelled by you. Your designation of named individuals who ... may be in the same class as other individuals (e.g., your children or ... grandchildren) will not include the other unnamed members of that same", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "9", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "designation only on Schwab's form (additional options at schwab.com/beneficiaries); a change made in a will or trust is not honored except under a court order", "quote": "You must designate your beneficiaries in ... writing on the form provided. ... Schwab will not honor any change of beneficiary made in a will or trust", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "12", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "name a UTMA/UGMA custodian on the form", "quote": "Directions for Distribution(s) of Assets to Minor Beneficiaries ... the assets shall be transferred under the Uniform Transfers to Minors Act (\"UTMA\") or the Uniform Gifts to Minors Act (\"UGMA\")", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "10", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named as a beneficiary (Estate relationship box); the estate also takes if no beneficiary survives", "quote": "Relationship (Select only one.) ... Other Individual Trust Organization Estate", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "120-hour survival; proportional reallocation", "quote": "the remaining portion will be divided proportionately among any surviving Contingent Beneficiaries. Any beneficiary who does not survive me by 120 hours will be considered to have passed away before me.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's warranty only; no spouse signature", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; a former spouse remains beneficiary until a new agreement is filed (Plan governed by California law; the Schwab Bank Investor Checking terms say the same under Nevada law)", "quote": "subsequent marriage, dissolution of marriage, remarriage, or adoption, will ... not automatically add or revoke designations of beneficiaries ... the former spouse will remain a beneficiary after the", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "13", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online for additional options", "quote": "indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "Brokerage TOD (Designated Beneficiary Plan; also Schwab Bank Investor Checking POD)", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-city-national-bank", "institution": "City National Bank", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "RBC Securities (City National subsidiary) brokerage account, TOD registration" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "Per Stirpes box per beneficiary (RBC Securities, Inc., City National subsidiary; NFS clearing)", "quote": "By checking the Per Stirpes box associated with a given beneficiary, you are agreeing that if that beneficiary predeceases you, his or her share of the account will pass through to his or her descendants as determined by state law.", "account_type": "RBC Securities (City National subsidiary) brokerage account, TOD registration", "page": "12", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/investments-wealth-management/documents/RBC-Securities-Account-Agreements-and-Disclosures-66361.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to descendants as state law determines", "quote": "if that beneficiary predeceases you, his or her share of the account will pass through to his or her descendants as determined by state law.", "account_type": "RBC Securities (City National subsidiary) brokerage account, TOD registration", "page": "12", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/investments-wealth-management/documents/RBC-Securities-Account-Agreements-and-Disclosures-66361.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without per stirpes, equally to surviving primaries; no primary alive, contingents; no percentages, equal shares to surviving beneficiaries", "quote": "If a percentage is indicated for a primary beneficiary who does not survive you, and if you have not checked the Per Stirpes box, the percentage of that beneficiary's designated share will be divided equally among the surviving primary beneficiaries. If there is no primary beneficiary living at the time of your death, you hereby specify that the balance is to be distributed to the contingent beneficiary or beneficiaries listed.", "account_type": "RBC Securities (City National subsidiary) brokerage account, TOD registration", "page": "12", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/investments-wealth-management/documents/RBC-Securities-Account-Agreements-and-Disclosures-66361.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "Beneficiary Designation form; channel not stated", "quote": "You can change your beneficiary designation at any time by filling out a new Beneficiary Designation form. We will rely on the latest Beneficiary Designation in our possession.", "account_type": "RBC Securities (City National subsidiary) brokerage account, TOD registration", "page": "12", "source_url": "https://www.cnb.com/content/dam/cnb/personal-banking/investments-wealth-management/documents/RBC-Securities-Account-Agreements-and-Disclosures-66361.pdf", "form_number": "", "revision_date": "2026-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "etrade", "institution": "E*TRADE from Morgan Stanley", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (individual or JTWROS)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name, not trustee", "quote": "(For trust, provide trust name, not trustee) BIRTH DATE (or date of trust)", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "primary or contingent entity", "quote": "Spouse Primary Non-spouse Contingent ... Entity", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "3", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and date; TIN optional", "quote": "(For trust, provide trust name, not trustee) BIRTH DATE (or date of trust) SSN/TIN (optional)", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date of trust; trustee is not to be named", "quote": "(For trust, provide trust name, not trustee) BIRTH DATE (or date of trust)", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no primary or contingent survives (overrides earlier \"not stated\")", "quote": "It shall always be that case that if no primary or contingent beneficiary survives the Account Holder, the Account assets will be paid by default to the Account Holder's estate.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "4", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents if no primary survives; simultaneous death, contingents, else estate; share of one predeceased primary among several not stated", "quote": "If no primary beneficiary survives all account holders of the Account, assets will be distributed to the contingent beneficiary(ies) listed below. ... In the event an Account Holder and beneficiary shall decease in such a way as it cannot be determined who the survivor was, the Account's assets shall be distributed to any contingent beneficiaries named or in the absence of such, to the Account Holder's estate.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states only", "quote": "SPOUSAL WAIVER If you are a married resident of a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI, GU and PR), and are not naming your spouse as 100% primary beneficiary, YOU MUST COMPLETE THIS SECTION.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "3", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "8 lines; attach additional Section 2 pages without stated limit", "quote": "If you would like to designate more beneficiaries than fields above allow, attach additional Section 2 pages and return with a completed form.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "3", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online for individual accounts only; joint (JTWROS) accounts need the paper form signed by both owners; not for community property residents naming a non-spouse", "quote": "Can I add a beneficiary to a joint account through the online process? No, a beneficiary (or beneficiaries) can only be added to an individual account through the online process.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "1", "source_url": "https://www.morganstanley.com/cs/pdf/et_how_to_add_beneficiaries_online.pdf", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "online, or DocuSign (forms library)", "quote": "Transfer on Death Registration Request and Agreement Designate beneficiaries to receive your account in the event of your death Submit online / Download PDF / Submit via Docusign", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "web page", "source_url": "https://us.etrade.com/forms-applications", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (individual accounts); fax; mail; upload; DocuSign", "quote": "Sign and date your form and fax, mail or upload it to the below ... For individual account holders living in the US, you may view/update your beneficiaries online via etrade.com.", "account_type": "Brokerage TOD (individual or JTWROS)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/Trans_on_Death2.pdf", "form_number": "0825-NONIRATOD-B69044", "revision_date": "08/25", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "edwardjones", "institution": "Edward Jones", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a living trust can be a beneficiary (implied by the TIN rule)", "quote": "Account Owner must indicate a tax identification number issued ... Form in order for the designation to be valid, except when a tax ... Account Owner's living trust is using the Account Owner's Social ... Security Number for income tax reporting during the lifetime of", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent beneficiaries allowed (trust as contingent not addressed separately)", "quote": "The terms Beneficiary and Beneficiaries as used in this Agreement ... include Primary Beneficiaries and Contingent Beneficiaries.", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "TIN required for each beneficiary (a revocable trust may use the owner's SSN)", "quote": "Account Owner must indicate a tax identification number issued ... Form in order for the designation to be valid", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "LDPS refused", "quote": "Lineal Descendants per Stirpes is not a valid method of ... designating Beneficiaries under this Agreement.", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"Lineal Descendants per Stirpes\"", "quote": "Lineal Descendants per Stirpes is not a valid method of ... designating Beneficiaries under this Agreement.", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian may be named; if none, Missouri or other UTMA custodian or guardian; after 90 days may pay the minor directly", "quote": "If an Account Owner designates a minor child without indicating a ... custodian as a Beneficiary, Edward Jones may transfer eligible ... assets to a custodian for the minor child under the Missouri", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "3", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's probate estate", "quote": "If no Beneficiary survives the Account Owner, the probate estate ... of the Account Owner shall be the successor in interest of the", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the contingent(s) named for that primary; 120-hour survival; a beneficiary who does not claim within one year is treated as not surviving", "quote": "In the event any designated Primary Beneficiary does not survive ... the Account Owner, then that Primary Beneficiary's allocated ... portion of the eligible assets in the Account shall pass to the ... corresponding Contingent Beneficiary(ies) listed on the ... transfer unless the Beneficiary survives the Account Owner by", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "2", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property jurisdiction during the marriage and spouse not sole joint owner or sole primary; otherwise the TOD is void", "quote": "If all conditions (a) through (c) below are met at the time of the ... Account Owner's death, the TOD features shall be void unless a ... Spousal Consent Form is received by Edward Jones and is not", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "1", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "Spousal Consent Form OPR-8326A signed by the spouse before a witness; revocable by the spouse before the owner's death", "quote": "Any Spousal Consent may be revoked by the Account Owner's ... Spouse by signing and delivering to Edward Jones a Revocation ... Signature of Spouse ... Signature of Witness", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "1", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes; former spouse treated as predeceased", "quote": "A dissolution of marriage automatically revokes a designation of ... a former spouse of the Account Owner as a Beneficiary of the", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "3", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "delivered or mailed to a branch office; accepted at the St. Louis home office", "quote": "date that the Beneficiary Form is delivered or mailed to an ... Edward Jones branch office and the date it is accepted by Edward", "account_type": "Brokerage TOD (Edward Jones Transfer on Death Agreement, Missouri Non-probate Transfer Law)", "page": "1", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-08/transfer-on-death-agreement.pdf", "form_number": "LGL-9787-A-A1", "revision_date": "2016-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (individual, JTWROS, tenants by the entirety)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust checkbox per beneficiary", "quote": "Primary Beneficiaries For each beneficiary you list, check a beneficiary type ... Non-Spouse Trust Social Security or Taxpayer ID Number", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust checkbox per beneficiary", "quote": "Contingent beneficiaries receive assets only if no primary beneficiary survives you. ... Non-Spouse Trust Social Security or Taxpayer ID Number", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, trust date", "quote": "Non-Spouse Trust Social Security or Taxpayer ID Number Date of Birth/Trust MM DD YYYY", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and TIN; no trustee name asked", "quote": "Non-Spouse Trust Social Security or Taxpayer ID Number Date of Birth/Trust MM DD YYYY", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "If you outlive a beneficiary and you want that beneficiary's share to go to his or her descendants, check \"Per stirpes.\"", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "right of representation, with a worked allocation rule", "quote": "The term \"per stirpes\" means that if any primary or contingent beneficiary dies before the account holder but has surviving descendants, that beneficiary's share is paid to such surviving descendants by right of representation. ... Each living child is allocated one share. The share of each deceased child with living descendants is allocated one share, which is divided equally among such living descendants. This subdivision is repeated at each succeeding generation", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "only named beneficiaries (plus per stirpes descendants of a named beneficiary) take", "quote": "only named beneficiaries will share in the Account assets, and ... others who may be in the same group of descendants as named ... individuals (e.g., other children or grandchildren) but who are not ... named will not share in the Account assets", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "Fidelity chooses parent, guardian, existing UTMA account", "quote": "If a beneficiary is a minor or otherwise under a legal disability, Fidelity may, in its absolute discretion, make all, or any part of the distribution for such beneficiary to: (1) a parent of such beneficiary; (2) the guardian, conservator, or other legal representative, wherever appointed, of such beneficiary; (3) an existing custodial account established for such beneficiary under a Uniform Transfers to Minors Act", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "5", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "assets not covered by TOD go to the owner's estate", "quote": "the ineligible assets will be paid to the estate of the account holder", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to surviving primaries pro rata, then contingents; estate if none", "quote": "or because one or more beneficiaries is deceased on the Date of ... Death, such eligible assets shall be distributed to the primary ... who survive the account holder in the same proportion that ... their original shares bear to each other", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; former spouse remains unless a new form is filed (agreement governed by Massachusetts law)", "quote": "sequent marriage, dissolution of marriage, remarriage or adoption, ... will not automatically add or revoke designations of beneficiaries. ... For example, if a former spouse was a designated beneficiary prior ... to dissolution of the marriage, the former spouse would remain a ... beneficiary after the dissolution unless his or her designation as", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "5", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; copy the page for more", "quote": "If you need more room for information or ... signatures, make a copy of the relevant page.", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online or paper", "quote": "You can change beneficiaries any time at Fidelity.com/beneficiary.", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail", "quote": "For faster processing, complete, sign, and submit using the ... Scan the QR code OR go to Fidelity.com/upload-Bene ... You can change beneficiaries any time at", "account_type": "Brokerage TOD (individual, JTWROS, tenants by the entirety)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-transfer-on-death.pdf", "form_number": "1.925788.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "firstrade", "institution": "Firstrade Securities", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name, all trustees, date", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same", "quote": "CONTINGENT BENEFICIARY(S) If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD", "page": "3", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, all trustees, date established", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, names of all trustees and date established", "quote": "If Beneficiary is a Trust: Provide Name of Trust, names of all trustees, and date established", "account_type": "Brokerage TOD", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Fractional percentages or dollar amounts are not accepted.", "account_type": "Brokerage TOD", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "passes as if no TOD registration (owner's estate or surviving joint owner)", "quote": "If none of the Primary or Contingent beneficiaries I (We) have designated survives me (us), any interest I (We) may have in this account shall pass as if my (our) Transfer on Death instructions did not exist.", "account_type": "Brokerage TOD", "page": "4", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; same rule for contingents", "quote": "In the event of the death of one or more designated Primary Beneficiary(s) precedes my (our) death, the interest they would have received from this account will be paid, upon my (our) death, to my (our) surviving Primary Beneficiary(s) Pro Rata", "account_type": "Brokerage TOD", "page": "4", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states", "quote": "spouse is not an account holder, or named as the sole primary beneficiary. By signing, spouse voluntarily and irrevocably consents to the beneficiary designation", "account_type": "Brokerage TOD", "page": "5", "source_url": "https://cdn.firstrade.com/forms/en-us/tod.pdf", "form_number": "69448P-UTOD", "revision_date": "2026-01-30", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper TOD form, returned by upload; no online entry described", "quote": "Beneficiaries can be added using the Transfer On Death form. Please complete and return the form to us via Secure Document Upload", "account_type": "Brokerage TOD", "page": "web page", "source_url": "https://help.firstrade.com/article/266-how-do-i-set-up-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload (Secure Document Upload)", "quote": "Please complete and return the form to us via Secure Document Upload", "account_type": "Brokerage TOD", "page": "web page", "source_url": "https://help.firstrade.com/article/266-how-do-i-set-up-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "franklin-templeton", "institution": "Franklin Templeton (incl. Putnam IRAs)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "Franklin Templeton mutual fund TOD (Franklin Templeton Investor Services transfer agent)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts and entities (U.S. only)", "quote": "Except as otherwise provided herein, any individual and any trust, corporation, partnership, or other entity may be designated as a beneficiary under a TOD registration.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entity/trust on contingent lines", "quote": "Section 3C - Contingent beneficiary(ies) ... Full name of entity/trust (required)", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "3", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, TIN and trust date", "quote": "Full name of entity/trust (required) ... Social Security/Tax ID number (required) ... Date of trust (mm/dd/yyyy; required for a trust)", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "3", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date; no trustee name", "quote": "Full name of entity/trust (required) ... Date of trust (mm/dd/yyyy; required for a trust)", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "3", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, certified copy or excerpt (first page, signature page, trustee page)", "quote": "A certified copy or excerpt of the trust must be provided (original certification within 120 days); the document must include the first page, signature page, and the page naming the trustees and successor trustees.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODBC-FORM", "form_number": "FM532", "revision_date": "2025-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "refused", "quote": "Putnam will not accept customized beneficiary designations (for example, designations which involve multiple contingencies within a primary or contingent beneficiary category) or \"per stirpes\" designations.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary identified individually", "quote": "All beneficiaries must be designated as either primary or contingent and must include all identifying informa", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"per stirpes\" and multi-contingency designations refused", "quote": "Putnam will not accept customized beneficiary designations ... or \"per stirpes\" designations.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "refused", "quote": "Putnam will not accept customized beneficiary designations", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian and donor state per minor; UGMA refused; otherwise court guardianship", "quote": "Account owners seeking to designate a minor as a beneficiary may specify a custodian for the minor under the Uniform Transfers to Minors Act ... (designations of custodians under the Uniform Gifts to Minors Act of any state will not be accepted). If no custodian is specified for a minor under the UTMA, PSERV will require formal letters of conservatorship/guardianship issued by a court", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "last surviving owner's estate", "quote": "If no primary beneficiary or contingent beneficiary survives the last surviving account owner, the account assets will be transferred as if the account were not subject to TOD registration (usually, to the last surviving account owner's estate).", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries proportionally; then contingents; a beneficiary dying before transfer, to that beneficiary's estate", "quote": "If a primary beneficiary does not survive the last surviving account owner, the share specified for that beneficiary will be transferred to the primary beneficiary(ies) who do survive the last surviving account owner, in the proportions that their shares bear to one another ... Account assets transferable to a beneficiary who dies after the last surviving account owner but before the assets are actually transferred will be transferred to the beneficiary's estate.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; the owner must change it", "quote": "TOD registration is not automatically initiated, changed, or revoked in any way by the marriage, divorce, separation, or remarriage of any party", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "separate sheet for more than five of each", "quote": "If you wish to designate more than five primary beneficiaries and/or more than five contingent beneficiaries, you must include a separate sheet of paper with the additional designation.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form only, signed by all living owners", "quote": "TOD registration may be initiated, changed, or revoked only by completion of a Putnam TOD Registration Form signed by all living account owners.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "signature or medallion guarantee for changes and for a new TOD by transfer", "quote": "If the new TOD account is being established by a transfer from an existing Putnam account, or the beneficiary of an existing TOD account is being changed, each signature in Section 5 must be authenticated with a Signature Guarantee or Medallion Guarantee stamp.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "original signatures and guarantees", "quote": "While photocopies and facsimiles of the form are acceptable, all signatures and signature guarantees must be original.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail or express delivery to Putnam Investments", "quote": "A Putnam TOD Registration Form and any accompanying certificates or documentation should be mailed to the address indicated on the Putnam TOD Registration Form.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "6", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "signed written notice with signature guarantee before transfer; disclaimant treated as predeceased", "quote": "A beneficiary may disclaim all interest in all or a portion of account assets transferable to the beneficiary pursuant to a TOD registration, by written notice signed by the beneficiary with a signature guarantee and received by PSERV before the disclaimed account assets have been transferred to and accepted by the beneficiary.", "account_type": "Putnam mutual fund non-retirement TOD (Putnam Investor Services transfer agent; Massachusetts law)", "page": "7", "source_url": "https://www.franklintempleton.com/forms-literature/download/TODR-FORM", "form_number": "FM523C", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ibkr", "institution": "Interactive Brokers", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Interactive Brokers, online Account Inheritance)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed (Legal Entity type)", "quote": "Your beneficiary (or beneficiaries) can be a natural person or other entity, such as a trust, corporation or guardianship.", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "any beneficiary may be contingent", "quote": "Select the association type (Primary Beneficiary or Contingent Beneficiary).", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "only with a named custodian, trustee or guardian", "quote": "Minors can be beneficiaries only if a custodian, trustee, or guardian is named for them.", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "owner chooses pro rata to remaining primaries (default) or straight to contingents, then estate", "quote": "Pass to any remaining Primary Beneficiary(ies) pro rata, and if none remain, pass to any Contingent Beneficiaries (default selection). Pass directly to any Contingent Beneficiaries and, if none remain, pass to the estate of the (last surviving) Account Owner", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "If you are married and reside in a community property state, you must obtain your spouse's consent if you are not naming your spouse as the sole primary beneficiary.", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "up to six primary; contingents not limited", "quote": "You must designate at least one and up to six Primary beneficiaries, and can designate one or more optional contingent or Secondary beneficiaries.", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, then a signed TOD Agreement", "quote": "In the Client Portal, use the Account Inheritance page to register one or more beneficiaries", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online registration plus a printed, signed TOD Agreement sent to IB; a new signed agreement for every change", "quote": "Click the Transfer on Death Agreement link. A pre-populated form displays. Read the agreement carefully, then print the form, sign it and send it to us.", "account_type": "Brokerage TOD (Interactive Brokers, online Account Inheritance)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "jpm", "institution": "J.P. Morgan Securities LLC (J.P. Morgan Self-Directed Investing and J.P. Morgan Private Client / Wealth Management)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (J.P. Morgan Securities)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "any person or entity (trusts included) except a UGMA custodian", "quote": "Any person or entity except a custodian ... (or if a trust or other legal entity which is a ... Beneficiary has dissolved or terminated)", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "any beneficiary may be primary or contingent", "quote": "Beneficiary Type (select one) Primary Contingent", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes box per beneficiary", "quote": "Beneficiary Type (select one) Primary Contingent Per Stirpes", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian may be named (UGMA custodian may not); a minor's share may be paid to a guardian, conservator or custodian", "quote": "under the Uniform Gifts to Minors Act (but not excluding a custodian under the ... of the Account Holder's death is a minor or an incapacitated adult who is", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if all beneficiaries predecease", "quote": "presents evidence that all Beneficiaries have ... predeceased the Account Holder, the account assets will be distributed to the", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without per stirpes, a predeceased beneficiary's share goes to surviving beneficiaries pro rata", "quote": "Beneficiary has dissolved or terminated), and the Account Holder has not selected ... assets will be distributed among the surviving Beneficiaries in proportion to each of", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "JPMS does not obtain spousal consent", "quote": "interests of spouses or domestic partners, nor to obtain any spousal consent to", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; extra copies allowed", "quote": "If you require more than ten primary or contingent beneficiaries, please submit an additional copy of page 2 or 3 of this form.", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, or paper form", "quote": "Transfer on Death Agreement Set up or update Transfer on Death (TOD) beneficiary designation(s) for your non-retirement investment account. Update online", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "web page", "source_url": "https://www.chase.com/personal/investments/brokerage-forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "owner's signature notarized", "quote": "Notary - section must be completed by a Notary Public", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "4", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; email (per chase.com/brokerageforms); mail; through the advisor", "quote": "After you complete, review and sign this form, provide it to your advisor for processing. ... Email - Please visit for in www.Chase.com/brokerageforms instructions on how to submit this completed document and any ... Regular or Overnight Mail - Send the form and any attachments to:", "account_type": "Brokerage TOD (J.P. Morgan Securities)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/transfer-on-death-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "janney", "institution": "Janney Montgomery Scott", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Pennsylvania TOD Security Registration Act)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "per stirpes allowed", "quote": "The designation of per stirpes and other contingent beneficiaries is permissible.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased or disclaiming beneficiary's descendants per stirpes", "quote": "If any of the beneficiaries should predecease the account owner or disclaim their interest, then the account owner's TOD Account may pass to the beneficiaries' descendants per stirpes if the account is designated as such.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "new TOD application or other written form acceptable to Janney", "quote": "Changes or modifications to beneficiary designations must be made on a new TOD Application or other written form acceptable to Janney.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "3", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "PA UTMA custodian; Janney will not appoint one", "quote": "account owner authorizes Janney to register the share of any minor for transfer in the name of the appointed custodian under the Pennsylvania Uniform Transfers To Minors Act", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives the account owner, no contingent or per stirpes beneficiaries are named, and/or all beneficiaries disclaim their interest in the TOD account, then the proceeds of the account owner's TOD Account shall pass to the account owner's estate.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to contingents; never to a predeceased beneficiary's estate", "quote": "If the account is not to be distributed per stirpes and the account owner designates contingent beneficiaries, Janney will divide and register the pre-deceased beneficiary's percentage among the contingent beneficiaries ... A predeceased beneficiary's estate shall have no claim or interest in the account owner's TOD Account.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; ex-spouse stays beneficiary until a new TOD application or written cancellation", "quote": "If any beneficiary hereunder is or becomes married to the account owner, then the dissolution of the account owner's marriage to that beneficiary shall have no effect on the designation of beneficiaries unless and until Janney receives notice to the contrary", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "2", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "to the Janney financial consultant", "quote": "Please return the signed form to your Janney financial consultant.", "account_type": "Brokerage TOD (Pennsylvania TOD Security Registration Act)", "page": "1", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures/digital-tod-disclosures-10-9-2018.pdf?sfvrsn=e728ade3_7", "form_number": "Digital TOD Terms & Conditions", "revision_date": "10/9/2018", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "kingdom-trust", "institution": "Kingdom Trust Company", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named", "quote": "If the named beneficiary is a trust, you must provide a copy of the trust agreement to Kingdom Trust.", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "each beneficiary line asks name, relationship, share %, SSN/EIN and date of birth", "quote": "SSN/EIN", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust agreement with the form", "quote": "If the named beneficiary is a trust, you must submit a copy of the trust with this completed and signed form.", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share (incl. the beneficiary's heirs) goes pro rata to surviving beneficiaries", "quote": "If any primary or contingent beneficiary does not survive you, such beneficiary's interest and the interest of such beneficiary's heirs shall terminate completely, and the applicable share for any remaining primary or contingent beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (nine listed)", "quote": "Consent of the Applicant's spouse is only required for married account holders living in a community property state who designate a beneficiary other than or in addition to", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the application; later marriage requires a new form with consent; no notary stated", "quote": "your spouse is required to sign below to ensure your designation will be effective ... you are required to complete a beneficiary change form with spousal consent", "account_type": "Non-IRA custodial account (individual, joint, trust or business), beneficiary designation", "page": "7", "source_url": "https://www.kingdomtrust.com/bin/uploads/2020/05/Custodial-Account-Kit.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2021-01-20", "retrieved": "2026-09-24" } } }, { "inst_id": "m1", "institution": "M1 Finance", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Individual and joint brokerage and High-Yield Cash Account TOD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust by paper form only, not online", "quote": "You can add up to three primary and three contingent beneficiaries per account, including trusts. To name a trust as beneficiary, provide the trust's legal name and Tax ID as required on the form.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "You can add up to three primary and three contingent beneficiaries per account, including trusts.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "legal name and Tax ID", "quote": "To name a trust as beneficiary, provide the trust's legal name and Tax ID as required on the form.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole percentages only", "quote": "whole numbers only (e.g., 50/50 or 33/33/34)", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "3 primary and 3 contingent per account", "quote": "You may designate up to three primary and three contingent beneficiaries per account when using the M1 Beneficiary Form.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "web for individuals; trusts need the paper form; not in the mobile app", "quote": "Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings. Click Add Beneficiary . ... If you want separate beneficiaries for each account or wish to designate a trust, complete the M1 Beneficiary Form and submit as instructed.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (web platform only); M1 Beneficiary Form for trusts or account-specific designations", "quote": "Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings. ... If you want separate beneficiaries for each account or wish to designate a trust, complete the M1 Beneficiary Form and submit as instructed.", "account_type": "Individual and joint brokerage and High-Yield Cash Account TOD", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill", "institution": "Merrill Lynch (Merrill Lynch Wealth Management and Merrill Edge)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (MLPF&S TOD Agreement)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed; list all current trustees", "quote": "If you name a trust as Beneficiary for the Account, please list the names of all of the current Trustee(s) of the trust.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "2", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "no contingent beneficiaries at all", "quote": "The MLPF&S TOD Account does not provide for contingent or successor Beneficiaries.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "names of all current trustees", "quote": "If you name a trust as Beneficiary for the Account, please list the names of all of the current Trustee(s) of the trust.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "2", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "names of all current trustees and trust creation date; testamentary trusts cannot be named", "quote": "Name of all current Trustees and dates of trust creation (if Beneficiary is a Trust)", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "per stirpes refused", "quote": "MLPF&S will not honor any attempt to alter or amend this Agreement to provide for contingent or successor Beneficiaries, including any designation of \"lineal descendants per stirpes.\"", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "LDPS and any class or contingent wording refused; each beneficiary is listed by name", "quote": "MLPF&S will not honor any attempt to alter or amend this Agreement to provide for contingent or successor Beneficiaries, including any designation of \"lineal descendants per stirpes.\"", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"lineal descendants per stirpes\" and any added contingent or successor language refused", "quote": "MLPF&S will not honor any attempt to alter or amend this Agreement to provide for contingent or successor Beneficiaries, including any designation of \"lineal descendants per stirpes.\"", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "amendments not honored; an agent under a POA or a guardian cannot sign or change the TOD without a court order", "quote": "MLPF&S will not honor any attempt to alter or amend this Agreement ... THIS TOD AGREEMENT MAY NOT BE EXECUTED BY AN AGENT UNDER A POWER OF ATTORNEY. ... shall not have the authority ... to enter into, alter or revoke the Agreement and designation of ... Beneficiaries, except by obtaining an authorizing order from a", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian or court-appointed guardian must be named", "quote": "If a Beneficiary is a minor on the date the Account Owner signs this Agreement, the Account Owner must designate a courtappointed guardian or a custodian under the Uniform Transfer to Minors Act (\"UTMA\") or similar act, to receive such Beneficiary's share of the TOD Assets.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "5", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "the percentage of the TOD Assets designated for a deceased Beneficiary shall pass to the estate of the Account Owner.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "no", "detail": "none", "quote": "The MLPF&S TOD Account does not provide for contingent or successor Beneficiaries.", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "owner chooses, survivors pro rata or owner's estate", "quote": "the percentage of the TOD Assets designated for a deceased Beneficiary shall pass to the estate of the Account Owner. ... Pass to estate of the Account Owner", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner and spouse live or lived outside the US or in a community property state during the marriage, and spouse is not sole beneficiary", "quote": "The Spousal Consent Section must be completed if ALL of the following conditions are met: (I) the Account Owner has a living spouse and the spouse is not an Account Owner;", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "4", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notarized spouse signature; spouse may revoke in writing before the owner's death, then a new agreement is needed", "quote": "Spousal consent: If conditions I, II, and III are met, the notarized signature, name and address of spouse are required ... Spouse must execute his/her signature and date document in the presence of a notary", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "disclaimer meeting state law delivered to Merrill; share passes to remaining beneficiaries, or to the owner's estate if only one beneficiary", "quote": "If a Beneficiary disclaims his or her portion of TOD Assets, the ... disclaimer, which must meet appropriate state law requirements, ... must be provided to MLPF&S and the disclaiming Beneficiary's", "account_type": "Brokerage TOD (MLPF&S TOD Agreement)", "page": "8", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/transferondeathagreement.pdf", "form_number": "SHEET-06-17-0754", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pershing", "institution": "Pershing LLC (BNY Pershing)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "per stirpes box on each beneficiary and contingent line; a named Responsible Individual (else the executor) tells Pershing who takes", "quote": "If your beneficiary designation is per stirpes, you understand that if your beneficiary(ies) dies before you, the beneficiary's ... share of the account will pass to his or her respective heirs.", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to his or her heirs in equal parts", "quote": "If I choose per stirpes, and the ... Beneficiary and Contingent Beneficiary predecease me, ... the portion of the account designated for the deceased ... Beneficiary shall pass to his or her heirs in equal parts.", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "per capita is the default (Pershing's meaning, a predeceased beneficiary's rights end) unless per stirpes is checked", "quote": "will use the \"per capita\" method of beneficiary designation, ... in which a particular beneficiary's rights end with the death ... of that Beneficiary and Contingent Beneficiary unless I", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodial, fiduciary or guardianship account on documentation; Pershing has no duty to appoint a custodian", "quote": "If any Beneficiary is a minor in the relevant jurisdiction at ... the time of Pershing's receipt of notice of my death, and ... Pershing is notified of such fact, that Beneficiary's shares ... shall be transferred to a custodial account or other fiduciary ... or guardianship account", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (joint form, surviving joint tenant's estate)", "quote": "If no ... Beneficiary survives me, then the proceeds of my account ... shall pass to my estate.", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "each beneficiary's own contingent steps in; otherwise to surviving beneficiaries; a predeceased beneficiary's estate has no claim", "quote": "If any of the Beneficiaries should predecease me, then my ... account will pass to the surviving Beneficiary or Beneficiaries. ... Each Contingent Beneficiary listed below a beneficiary shall ... be treated as Beneficiary in the event that the Beneficiary", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states (AZ, CA, ID, NV, NM, TX, WA, WI)", "quote": "If you are married, reside in a community property or marital ... property state, and you designate someone other than your ... spouse as your Sole Beneficiary(ies), your spouse must sign", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs a consent and waiver on the form; notarized", "quote": "REQUIRED NOTARIZATION OF SPOUSE'S SIGNATURE", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; a new TOD agreement or a court order is needed (agreement governed by New York law; New Jersey law if the owner's state has no TOD statute)", "quote": "then the dissolution of our marriage shall have no effect on ... the designation of Beneficiary unless and until Pershing ... receives notice to the contrary by receipt of a new Transfer ... Pershing shall not be ... obligated to change a beneficiary designation by the ... provisions of a Divorce Agreement, except where ordered by", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular, or registered/certified/overnight) to BNY Brokerage Services", "quote": "Please mail this completed form to: ... BNY Brokerage Services ... PO Box 958408", "account_type": "Brokerage TOD (Pershing LLC as clearing agent; Individual and Joint TOD Account Agreements as used by BNY Brokerage Services)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-indiv-trf-death-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "provident-trust", "institution": "Provident Trust Group", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Non-retirement custodial account, payable on death" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate of last surviving owner", "quote": "If no beneficiaries are named, the estate of the last surviving account owner will be the POD beneficiary of this account.", "account_type": "Non-retirement custodial account, payable on death", "page": "1", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Payable-on-Death.pdf", "form_number": "", "revision_date": "2020-06", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving POD beneficiaries; contingents take if all primaries predecease", "quote": "The interest of any POD beneficiary that predeceases the last surviving account owner terminates immediately, and the percentage share of any remaining POD beneficiaries will be increased on a pro rata basis.", "account_type": "Non-retirement custodial account, payable on death", "page": "1", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Payable-on-Death.pdf", "form_number": "", "revision_date": "2020-06", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states (10 listed)", "quote": "Complete this section if you are married, have not named your spouse as your sole primary beneficiary, and are subject to the laws of the following community or marital property states: AK, AZ, CA, ID, LA, NV, NM, TX, WA, or WI.", "account_type": "Non-retirement custodial account, payable on death", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Payable-on-Death.pdf", "form_number": "", "revision_date": "2020-06", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse's signature notarized; signature guarantee not accepted", "quote": "Your signature must be notarized. See below. We cannot accept a signature guarantee in place of a notary's seal.", "account_type": "Non-retirement custodial account, payable on death", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Payable-on-Death.pdf", "form_number": "", "revision_date": "2020-06", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines; addendums allowed", "quote": "Check here if additional Beneficiaries are listed on the attached form. If applicable, total number of addendums attached to this POD", "account_type": "Non-retirement custodial account, payable on death", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Payable-on-Death.pdf", "form_number": "", "revision_date": "2020-06", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; email; fax", "quote": "When ready, mail, email, or fax this completed form", "account_type": "Non-retirement custodial account, payable on death", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" } } }, { "inst_id": "public", "institution": "Public.com (Public Investing)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD" ], "florida": false, "fields": { "online_designation": { "value": "no", "detail": "TOD only by contacting Support", "quote": "For non-retirement brokerage accounts, adding a beneficiary directly through the app is not currently available. However, a Transfer On Death (TOD) registration can be added to your account manually by contacting our Support team.", "account_type": "Brokerage TOD", "page": "web page", "source_url": "https://help.public.com/en/articles/4375163-can-i-add-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "baird", "institution": "Robert W. Baird & Co. (Baird Funds direct IRAs and TOD accounts)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Baird Funds TOD registration (Uniform TOD Security Registration Act)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "LD and LDPS refused", "quote": "No designation such as Lineal Descendants (LD) or Lineal Descendants Per Stirpes (LDPS) is permitted.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only", "quote": "No designation such as Lineal Descendants (LD) or Lineal Descendants Per Stirpes (LDPS) is permitted. ... All beneficiaries must be named, as the Custodian cannot properly determine beneficiaries such as \"children\" or \"spouse\".", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "1", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "LD / LDPS refused", "quote": "No designation such as Lineal Descendants (LD) or Lineal Descendants Per Stirpes (LDPS) is permitted.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian (not UGMA) named at registration", "quote": "If an intended beneficiary is a minor, a guardian or custodian must be designated upon registration of the account. Minors are permitted to be designated as TOD beneficiaries under the Uniform Transfers to Minors Act but are not permitted to be designated as TOD beneficiaries under the Uniform Gifts to Minors Act.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives the owner, the account will be treated as belonging to the owner's estate at the owner's death.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportional to survivors", "quote": "if one or more but not all fail to survive the owner, the shares will, upon the owner's death, be distributed among the remaining beneficiaries in proportion to their allotted portions of the account assets.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "no spousal consent for TOD", "quote": "Spousal Consent (IRA Accounts Only) ... If an account owner is married and the spouse is not the sole designated beneficiary, neither the fund nor the fund's transfer agent have any obligation to determine an account owner's marital status", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "9 per account; split into separate accounts for more", "quote": "Up to nine beneficiaries may be designated. (If an owner wishes to designate more than nine beneficiaries, the owner may split the investment into separate accounts and designate up to nine beneficiaries for each account.)", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in writing; mail or overnight mail", "quote": "retain the right to revoke this designation and designate a new beneficiary at any time by communicating to U. S. Bank Global Fund Services, in writing.", "account_type": "Baird Funds TOD registration (Uniform TOD Security Registration Act)", "page": "2", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "robinhood", "institution": "Robinhood (Robinhood Securities, LLC custodian)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Robinhood individual brokerage account)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, if valid and trustee authorized to receive", "quote": "A trust may be designated as a Beneficiary if (i) the trust is valid under applicable state law, (ii) the trustee is authorized to receive distributions on behalf of the trust", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent beneficiaries can be individuals or trusts, and require the same information as primary beneficiaries of the same type.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date, TIN", "quote": "If the Beneficiary is a trust, the Account Owner must provide the trust's name, date, and Tax Identification Number.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date required; no trustee name", "quote": "If the Beneficiary is a trust, the Account Owner must provide the trust's name, date, and Tax Identification Number.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "trust copy or certification of trust, by the owner or (after death) the trustee; evidence of trustee authority may be required", "quote": "provides Robinhood with a copy of the trust instrument or a certification of trust acceptable to Robinhood, together with the trust's Tax Identification Number", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "refused", "quote": "Only Beneficiaries identified by name will share in the Account Assets. Per stirpes distributions are not permitted.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "only named beneficiaries", "quote": "Only Beneficiaries identified by name will share in the Account Assets. Per stirpes distributions are not permitted.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "per stirpes refused", "quote": "Per stirpes distributions are not permitted.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "in-app named beneficiaries only", "quote": "Only Beneficiaries identified by name will share in the Account Assets.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "beneficiaries must be 18 or older and U.S. citizens; a minor is treated as predeceased", "quote": "If a Beneficiary is a minor upon the death of the Account Owner, Robinhood will treat the minor as though they predeceased the Account Owner", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "no estates or charities (estate takes by default)", "quote": "Robinhood does not support estates or charitable organizations as Beneficiaries.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no Primary or Contingent Beneficiary survives the Account Owner or is eligible, the Account Assets become part of the Account Owner's Estate.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "no", "detail": "no successor beneficiaries", "quote": "may not designate an unborn or successor Beneficiary", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries, then contingents; ineligible and disclaiming beneficiaries treated as predeceased", "quote": "the predeceased Primary Beneficiary's share of the Account Assets shall be equally divided among the surviving Primary Beneficiaries (or allocated in proportion to the percentages designated for the surviving", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, owner warrants consent; app may prompt a spousal consent agreement", "quote": "If you are married and live, or have lived, in a state with community property statutes and do not designate your spouse as the sole beneficiary, you represent and warrant that your spouse has consented to such designation.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "4", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke", "quote": "Changes in the relationship between the Account Owner and designated Beneficiary (such as marriage, divorce, or adoption) will not automatically add, change, or revoke Beneficiary designations.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "10 contingents per account; primary limit for TOD not stated", "quote": "You can add up to 10 contingent beneficiaries per account.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "in-app only", "quote": "The Account Owner must identify each Beneficiary in-app.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "2", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in-app only", "quote": "The Account Owner may change or revoke the designated Beneficiary in-app.", "account_type": "Brokerage TOD (Robinhood individual brokerage account)", "page": "3", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/transfer-on-death-beneficiary-agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "sofi", "institution": "SoFi Invest (SoFi Securities; Apex Clearing custodian per SoFi disclosures)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "SoFi Invest individual brokerage TOD (Active and Automated)" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "trusts cannot be named (note follows the TOD instructions on the Invest beneficiary page)", "quote": "For all other non-IRA Active & Automated accounts, you can designate \"Transfer on Death\" beneficiaries by requesting a form from an Investment Specialist. ... Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest individual brokerage TOD (Active and Automated)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "trusts cannot be named at any level", "quote": "Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest individual brokerage TOD (Active and Automated)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "minors cannot be named", "quote": "Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest individual brokerage TOD (Active and Automated)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form requested from an Investment Specialist (phone or chat); how to return it is not stated", "quote": "you can designate \"Transfer on Death\" beneficiaries by requesting a form from an Investment Specialist. You can reach out to one of our Investment Specialists by calling 855-525-7634 or chat online.", "account_type": "SoFi Invest individual brokerage TOD (Active and Automated)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" } } }, { "inst_id": "stifel", "institution": "Stifel (Stifel, Nicolaus & Company, custodian)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "5. If you want all or part of the proceeds paid to a trust, you ... must indicate the name of the trust, including the name of the", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and trustee name; relationship \"Trust\"", "quote": "must indicate the name of the trust, including the name of the ... trustee, in the beneficiary designation. Indicate the relationship", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name including trustee name; testamentary trust as \"Trustee Under Article __ of My Last Will\"", "quote": "must indicate the name of the trust, including the name of the ... trustee, in the beneficiary designation", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "beneficiaries may be asked for the trust document at death", "quote": "be asked for a copy of the legal document that establishes the", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "testamentary trust wording", "quote": "you may use the phrase ... Trustee Under Article [...] of My Last", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "election per primary beneficiary (options a and e)", "quote": "You may elect to have the proceeds pass to the lineal ... descendants of the primary beneficiary, per stirpes.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "117", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "division by representation among the primary beneficiary's descendants; share to estate if all predecease", "quote": "provides for the division of that share among the members of ... a group of descendants having a particular degree of kinship", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "117", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "lineal descendants of a named primary per stirpes may be elected; otherwise descendants take only if specifically designated", "quote": "You may elect to have the proceeds pass to the lineal ... descendants of the primary beneficiary, per stirpes.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "117", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodial or guardianship account may be required", "quote": "In the event that a Beneficiary is a minor at the time of distribution, Stifel may require that a custodial, guardianship, or other fiduciary account be established for the benefit of the minor into which distribution may be made.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "114", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "write \"My Estate\"", "quote": "If you want all or part of the proceeds paid to your estate, write ... My Estate as your beneficiary and the percentage", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "or contingent beneficiary who survives you, the account ... proceeds will be distributed to your estate.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "117", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "Missouri anti-lapse (descendant substitutes) switched off; descendants take only if named", "quote": "Section 461.045 of the Revised Statutes of the State of Missouri (RSMo) regarding lineal descendant substitutes, or any substantially similar statutory provisions of another state, shall not apply to this TOD Agreement. Any lineal descendant of a nonsurviving Beneficiary shall not be entitled to a distribution from the account unless specifically designated on the Beneficiary Designation form.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "114", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes; former spouse's share to owner's estate unless re-designated after the divorce", "quote": "A dissolution of marriage automatically revokes the designation of ... a former spouse as a Beneficiary, if such designation was made ... before the effective date of the Account Holder's divorce.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "114", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "continuation forms allowed; no limit", "quote": "To designate more beneficiaries than the form provides, use ... another Beneficiary Designation form as a continuation form.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "118", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "original form forwarded to Stifel; Corporate Headquarters reviews and returns a confirmation", "quote": "Forward the original Beneficiary Designation form to Stifel.", "account_type": "Brokerage TOD (Missouri Nonprobate Transfers Law, RSMo ch. 461)", "page": "119", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/WealthAccountAgreementAndDisclosureBooklet.pdf", "form_number": "IRA agreement 100A (Rev. 4/2015) (5/2015); inherited IRA agreement 100-IHA (Rev. 7/2013)", "revision_date": "booklet undated; agreement Rev. 4/2015", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "trowe-price", "institution": "T. Rowe Price (direct IRAs and brokerage)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Mutual fund and brokerage TOD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Beneficiaries may include individuals, corporations, trusts, or other legal entities.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trusts at either level", "quote": "You may designate one or more primary beneficiaries and one or ... more secondary beneficiaries. Beneficiaries may include individuals, ... corporations, trusts, or other legal entities.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "default (proportional reallocation among survivors)", "quote": "Unless you ... indicate otherwise, T. Rowe Price will distribute to your beneficiaries on a ... per capita basis. ... Beneficiaries are listed on a per capita basis.", "account_type": "Mutual fund and brokerage TOD", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no estate or estate-distribution provisions", "quote": "You may not name yourself or your estate under a TOD designation or include estate distribution provisions.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "allowed; legal documentation at payout", "quote": "If a minor is named as a beneficiary, and if the beneficiary inherits the assets while still a minor, additional legal documentation will be required.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "estate cannot be named", "quote": "You may not name yourself or your estate under a TOD designation or include estate distribution provisions.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives the account owner(s), the account belongs to the estate of the most recently deceased owner.", "account_type": "Mutual fund and brokerage TOD", "page": "2", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to surviving primaries pro rata; secondaries only if no primary survives", "quote": "If a primary beneficiary dies before you, the percentages will be ... recalculated proportionately among the surviving primary beneficiaries. ... Secondary beneficiaries ... inherit assets only if no primary beneficiaries survive you.", "account_type": "Mutual fund and brokerage TOD", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; attach a separate page for more", "quote": "For more beneficiaries, check this box and attach a separate page.", "account_type": "Mutual fund and brokerage TOD", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; express delivery; signed by all owners", "quote": "Mail to: ... Baltimore, MD 21297-1302 ... Express delivery only:", "account_type": "Mutual fund and brokerage TOD", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/todreg.pdf", "form_number": "OM-17302", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "td-ameritrade-legacy", "institution": "TD Ameritrade (legacy; now Charles Schwab)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "full trust name", "quote": "Primary Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "full trust name", "quote": "Contingent Beneficiary ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, TIN, trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes or per capita, individuals only", "quote": "You may select either a per stirpes distribution or a per capita distribution.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only; Schwab's own definition governs", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's(ies') children and no further descendants.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; one generation only", "quote": "Please select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "3", "source_url": "https://bynder.schwab.com/m/170a5642dfd230af/", "form_number": "APP12461-16", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only", "quote": "changed or cancelled by you. Your designation of named individuals who ... may be in the same class as other individuals (e.g., your children or ... grandchildren) will not include the other unnamed members of that same", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "9", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "designation only on Schwab's form (additional options at schwab.com/beneficiaries); a change made in a will or trust is not honored except under a court order", "quote": "You must designate your beneficiaries in ... writing on the form provided. ... Schwab will not honor any change of beneficiary made in a will or trust", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "12", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "name a UTMA/UGMA custodian on the form", "quote": "Directions for Distribution(s) of Assets to Minor Beneficiaries ... the assets shall be transferred under the Uniform Transfers to Minors Act (\"UTMA\") or the Uniform Gifts to Minors Act (\"UGMA\")", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "10", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named as a beneficiary (Estate relationship box); the estate also takes if no beneficiary survives", "quote": "Relationship (Select only one.) ... Other Individual Trust Organization Estate", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "120-hour survival; proportional reallocation", "quote": "the remaining portion will be divided proportionately among any surviving Contingent Beneficiaries. Any beneficiary who does not survive me by 120 hours will be considered to have passed away before me.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "3", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's warranty only; no spouse signature", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; a former spouse remains beneficiary until a new agreement is filed (Plan governed by California law; the Schwab Bank Investor Checking terms say the same under Nevada law)", "quote": "subsequent marriage, dissolution of marriage, remarriage, or adoption, will ... not automatically add or revoke designations of beneficiaries ... the former spouse will remain a beneficiary after the", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "13", "source_url": "https://content.schwab.com/dcc/APP10780.pdf", "form_number": "AEM11527257", "revision_date": "2025-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online for additional options", "quote": "indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "Brokerage TOD (former TD Ameritrade account now a Schwab One account; Schwab Designated Beneficiary Plan)", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-northern-trust-company", "institution": "The Northern Trust Company", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "natural persons only", "quote": "The beneficiaries on a TOD registration may be natural persons only.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "natural persons only", "quote": "The beneficiaries on a TOD registration may be natural persons only.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually with relationship and birth date", "quote": "The beneficiaries on a TOD registration may be natural persons only. ... please attach a separate sheet listing names, relationships and birthdates.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "1", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "checkbox for attached instructions", "quote": "I have attached additional beneficiary instructions.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "1", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian (not UGMA); custodian line on the form", "quote": "Custodians under the Uniform Transfers to Minors Act are permitted beneficiaries in a TOD registration. Custodians under the Uniform Gifts to Minors Act (\"UGMA\") are not permitted beneficiaries ... Minors should not be designated beneficiaries unless a guardian or custodian is referenced in the registration.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "estate cannot be named (it is the default)", "quote": "The beneficiaries on a TOD registration may be natural persons only.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If the beneficiary does not survive the owner or if the beneficiary is unable to accept his or her interest, the shares become the property of the owner's estate.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "4", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal among surviving primaries; contingents only if no primary survives; no LDPS substitution", "quote": "Thus, the shares are transferred to each of the primary beneficiaries, in equal shares, who survive the account owner. ... Contingent beneficiaries receive the account upon the death of the account owner if, and only if, there are no surviving primary beneficiaries. ... if the beneficiary survives the owner but is not alive when the transfer request is received, the shares become the property of the beneficiary's estate.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states; spouse signs section 4", "quote": "Any resident of a community property state (currently Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin) who designated beneficiaries other than a spouse must obtain the spouse's consent.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "2", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; separate sheet allowed", "quote": "You may list additional beneficiaries on a separate sheet, if needed.", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "medallion for existing accounts and changes; not with a new account application", "quote": "Please obtain a Medallion Signature Guarantee Stamp when adding new Transfer on Death beneficiaries ... A Medallion Signature Guarantee Stamp is not required when submitting this form with a New Account Application", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; changes by medallion-guaranteed letter", "quote": "Please mail your application to: Northern Funds, P.O. Box 75986, Chicago, IL 60675-5986 or fax your form to: 312-557-0411. ... You may change or revoke the TOD registration with clear instructions to Northern Funds Center", "account_type": "Northern Funds TOD registration (mutual fund shares; The Northern Trust Company registers)", "page": "1", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/transfer-on-death.pdf", "form_number": "", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Thrivent Funds retirement account and TOD" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name and date", "quote": "If a beneficiary is a trust, provide the trust name and date the trust was established.", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent table takes a trust name and trust date", "quote": "Contingent beneficiaries ... last name, or name of trust/entity", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and date", "quote": "If a beneficiary is a trust, provide the trust name and date the trust was established.", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and trust date; no trustee name asked", "quote": "If a beneficiary is a trust, provide the trust name and date the trust was established.", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, a trust beneficiary opening a Thrivent Funds account supplies a Certification of Trust (MF34914)", "quote": "Certification of Trust (MF24143): Required for Trust accounts.", "account_type": "Thrivent Funds retirement account and TOD", "page": "2", "source_url": "https://www.thrivent.com/files/MF34914.pdf", "form_number": "MF23438", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "LDPS box after each name", "quote": "If Lineal Descendants Per Stirpes (LDPS) is not checked after each name/group, Primary/Contingent will be used.", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "all lineal descendants, \"on forever\"", "quote": "When LDPS is used, upon the death of the named beneficiary, the beneficiary rights transfer to the descendants of the deceased beneficiary (a person who is in direct line to an ancestor), such as child, grandchild, great grandchild, and on forever.", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "listed group designations (no step-children unless adopted); LDPS box after each name", "quote": "Children, sons, daughters, brothers, sisters, half-brothers, half-sisters, grandchildren, great-grandchildren, granddaughters and grandsons are the only acceptable group designations.", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "only the listed group designations; LDPS only for relatives by blood, marriage or adoption; \"or\" and \"and/or\" read as \"and\"", "quote": "Children, sons, daughters, brothers, sisters, half-brothers, half-sisters, grandchildren, great-grandchildren, granddaughters and grandsons are the only acceptable group designations. ... Thrivent accepts the LDPS designation when the individual named is related to the benefit member by blood, marriage, or legal adoption.", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If none of the beneficiaries survive, proceeds shall be paid to the owner's estate.", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving beneficiaries; with LDPS to the deceased beneficiary's lineal descendants first", "quote": "If two or more persons are named as primary beneficiaries, the death proceeds will be paid equally to the survivors or survivor, unless otherwise directed. ... If a named beneficiary dies without leaving a lineal descendant, that beneficiary's share of the death proceeds will be distributed among the remaining named beneficiaries in proportionate shares.", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; signed letter of instruction for more", "quote": "If additional beneficiary designations are needed, submit a letter of instruction with this form signed by the account owner(s).", "account_type": "Thrivent Funds retirement account and TOD", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online with electronic signature, or paper form", "quote": "This beneficiary designation is effective and revokes all previous beneficiary designations upon: 1) successful completion of the electronic signature process online", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "online electronic signature", "quote": "successful completion of the electronic signature process online", "account_type": "Thrivent Funds retirement account and TOD", "page": "3", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; express mail; fax (866-278-8363)", "quote": "successful completion of the electronic signature process online, or 2) submission to and approval by the Processing Center ... Regular Mail: Express Mail: Fax: Phone:", "account_type": "Thrivent Funds retirement account and TOD", "page": "2", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tiaa", "institution": "TIAA (IRAs)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "TIAA-CREF Funds individual or joint account with TOD (application F11154)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "one checkbox per level (primary, contingent) applies to every beneficiary at that level", "quote": "If a beneficiary should predecease you and you want that beneficiary's share to go to his or her lineal descendants, check per stirpes. ... Yes, add Per Stirpes (For every beneficiary)", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a predeceased beneficiary's share goes to that beneficiary's lineal descendants", "quote": "If a beneficiary should predecease you and you want that beneficiary's share to go to his or her lineal descendants, check per stirpes.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "LDPS checkbox for all named beneficiaries", "quote": "Lineal Descendants Per Stirpes ... Yes, add Per Stirpes (For every beneficiary)", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "a joint owner cannot be a TOD beneficiary; TOD only for Individual or Joint registrations", "quote": "Please take note that the Custodian or a joint owner may not be designated as the Beneficiary.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a custodian may be named on each beneficiary line", "quote": "Custodian (If the beneficiary is a minor)", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If there are no surviving contingent beneficiaries at the time of your death, we will transfer ownership of your account to your estate.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without per stirpes, pro rata to surviving beneficiaries; the predeceased beneficiary's estate takes nothing", "quote": "If a primary beneficiary predeceases you, his or her share shall be divided proportionately among the surviving primary beneficiaries. ... Otherwise, a beneficiary's rights end with the death of that beneficiary, and the estate of a predeceased beneficiary has no claim to or interest in your account.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; extra sheet allowed", "quote": "For additional beneficiaries, please attach a separate piece of paper.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (standard or overnight) to TIAA-CREF Funds, Kansas City", "quote": "Please send your signed and completed application to TIAA-CREF Funds per the Return Completed Forms section below or in the enclosed postage-paid business-reply envelope.", "account_type": "TIAA-CREF Funds individual or joint account with TOD (application F11154)", "page": "1", "source_url": "https://www.tiaa.org/public/pdf/m/mf-app.pdf", "form_number": "F11154", "revision_date": "2023-09", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" } } }, { "inst_id": "tradestation", "institution": "TradeStation Securities", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Individual and joint equities account TOD (TradeStation TOD Account Agreement)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individuals, trusts, entities, UTMA custodians", "quote": "The undersigned designate(s) the following individual(s), trust(s), guardianship(s), entity(ies), and/or custodian(s) under the Uniform", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, address, telephone, SSN/TIN and relationship for each beneficiary; no trust date or trustee asked", "quote": "Social Security/Tax I.D. No. ... Relationship to Account Holder", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "lineal descendants of a deceased primary as a class (option A; also the default)", "quote": "If any primary beneficiary listed in STEP 4 above is not living at the death of the undersigned or survivor of the undersigned, that primary beneficiary's share shall pass as follows ... A. To the deceased primary beneficiary's lineal descendants.", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian may be named", "quote": "custodian(s) under the Uniform ... Transfer to Minors Act as beneficiary(ies) of the assets in the Account", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate as the taker of a predeceased primary's share (Step 5 option C)", "quote": "C. To the estate of the undersigned or, for joint accounts, the survivor of the undersigned.", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's (or last surviving joint owner's) estate", "quote": "no primary or contingent beneficiary designation is in effect for the Account ... upon the death of the undersigned of the survivor of the undersigned, ... TradeStation will distribute the assets of the Account to the estate of the", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "3", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "owner elects, lineal descendants, surviving primaries pro rata, estate, or named contingents; default lineal descendants, then estate", "quote": "that primary beneficiary's share shall pass as follows ... B. To the surviving primary beneficiaries based upon the ratio of their designated share percentages. ... If no provision has been made for one or more deceased ... primary beneficiary's share under Step 5, TradeStation will pay such share ... to the deceased primary beneficiary's lineal descendants or, in the absence ... thereof, to the estate of the undersigned or survivor of the undersigned.", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "2", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse must consent whenever the spouse is not sole primary beneficiary, in every state", "quote": "This section MUST be completed if EITHER: (i) the Account is a single name account and the undersigned's spouse is not named below as the sole primary beneficiary, OR (ii) the Account is a joint account and the joint tenants on the Account are not married to each other.", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a witness (witness name and address); no notary; consent revocable in writing before death", "quote": "Signature of Spouse Signature of Witness ... This spousal consent may be revoked at any time, but, in order to be effective, such ... revocation must be in writing, signed by the Spouse, and received by TradeStation prior to the death of the undersigned", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke (agreement governed by the law of the owner's state of residence)", "quote": "Changes in the relationship between the ... undersigned and a designated beneficiary, including but not limited to, ... subsequent marriage, divorce, remarriage or adoption, will not effect a ... prior designation.", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "3", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email", "quote": "Return this completed form by: ... Email clientexperience@tradestation.com", "account_type": "Individual and joint equities account TOD (TradeStation TOD Account Agreement)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/Transfer-on-Death-Agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-u-s-bank", "institution": "U.S. Bank National Association", "segment": "bank", "account_group": "brokerage_tod", "account_types": [ "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individuals or entities (U.S. Bancorp Investments, brokerage affiliate); a trustee designation includes successor trustees", "quote": "Any individual or entity may be designated as a Beneficiary. ... A designation of the trustee of a trust as a Beneficiary shall be deemed to include the successor or successors to the designated trustee.", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "6", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "persons or entities as contingent beneficiaries", "quote": "\"Contingent Beneficiary\" shall mean the one or more persons or entities designated in the TOD Account Agreement", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "6", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "right of representation option", "quote": "Distribution to Descendants by Right of Representation. Assets distributable to the descendants of a deceased person \"by right of representation\" shall first be divided into as many shares as there are surviving children and deceased children of the deceased person.", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "4", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "defined with a worked family example", "quote": "Assets distributable to the descendants of a deceased person \"by right of representation\" shall first be divided into as many shares as there are surviving children and deceased children of the deceased person. Each surviving child shall receive one share and the share of each deceased child will", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "4", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "per-beneficiary \"Rights of Representation\" box passes a predeceased beneficiary's share to unnamed descendants; owner states how many children that beneficiary has", "quote": "may also select right of representation for any beneficiary. If selecting right of representation for any beneficiary, the Account Owners must also indicate how many children that beneficiary has as of the date of signing this document.", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "6", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "nominated custodian or custodial trustee; else a UTMA custodian, conservator or guardian; if none within a reasonable time, the owner's estate", "quote": "If no custodian or custodial trustee has been nominated for any minor or incapacitated adult, or if the nominated custodian or custodial trustee is unable or unwilling to accept the distribution, U.S. Bancorp Investments may transfer to any duly appointed and acting custodian for such minor under the Uniform Transfers to Minors Act", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "7", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no beneficiary survives", "quote": "Account assets will transfer to the last Account Owner's estate.", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "5", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the beneficiary's descendants if Rights of Representation is checked; otherwise pro rata to surviving primaries; then contingents; then the owner's estate", "quote": "That Primary Beneficiary's share shall be distributed to that Primary Beneficiary's descendants by right of representation if that option has been selected on page 1. ... That Primary Beneficiary's share shall be allocated proportionately among the surviving Primary Beneficiaries", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "5", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married clients must answer the community property section if the spouse is not a primary beneficiary for at least the stated share", "quote": "Community All married clients are required to answer if spouse is not at", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "written consent signed and dated by the spouse on the form (Sec. 2); community property jurisdictions AZ, CA, ID, LA, NV, NM, TX, WA, WI, Puerto Rico, Guam; no notary stated", "quote": "If you do not designate your spouse as Primary Beneficiary for at least half of your TOD Account, your spouse must consent in writing to the beneficiary designation. ... Signature of Spouse of Primary Account Owner", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "a new signed paper TOD Account Agreement only", "quote": "any changes in the Designated Beneficiaries or the Contingent Beneficiaries may be made only by completing a new U.S. Bancorp Investments Transfer on Death Account Agreement signed by us", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "4", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the U.S. Bancorp Investments representative (in person); effective on acceptance at the principal office", "quote": "Submit via workflow, provide a copy to client. Original to branch file. ... no such change shall be effective until it is received and accepted by you at your principal office", "account_type": "U.S. Bancorp Investments brokerage TOD (Minnesota Uniform TOD Security Registration Act)", "page": "3", "source_url": "https://www.usbank.com/dam/documents/pdf/wealth-management/tod.pdf", "form_number": "0E24641", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "vanguard", "institution": "Vanguard", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage and mutual fund TOD (Transfer on Death Plan)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "existing trust under agreement only", "quote": "To the trustee of an existing trust created under an agreement ... Name of trust", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "7", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "existing living trust as backup", "quote": "Backup beneficiaries Fill in all that apply. ... To the trustee of an existing trust created under an agreement", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "7", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and date", "quote": "Name of trust ... This applies to an existing trust only; you can't create a trust with this form. Date of trust", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "7", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; existing trust only", "quote": "To the trustee of an existing trust created under an agreement ... Date of trust mm dd yyyy", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "7", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample living trust designation", "quote": "The Martin Family Trust U/A, dated January 15, 2013", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no class gifts, no per stirpes", "quote": "Vanguard doesn't accept designations that name a group of individuals, such as \"my descendants\" or \"children, per stirpes,\" on a Transfer on Death Plan because of the difficulty in identifying the members of the", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "class designations refused", "quote": "Vanguard doesn't accept designations that name a group of individuals, such as \"my descendants\" or \"children, per stirpes,\" on a Transfer on Death Plan", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "group designations refused", "quote": "Vanguard doesn't accept designations that name a group of individuals, such as \"my descendants\" or \"children, per stirpes,\" on a Transfer on Death Plan", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "Vanguard may transfer to an account for the minor or to a guardian, parent, UTMA/UGMA custodian or person named in the owner's will or trust", "quote": "4.4 Minors as Beneficiaries. If, upon the death of ... Beneficiary known to Vanguard to be a minor is ... its absolute discretion, transfer or distribute the ... Plan Securities to which the minor is entitled to an", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "12", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If none of your Plan Beneficiaries survive you or survive the last surviving account owner, if applicable, then your estate or the last surviving account owner's estate, as the case may be, will be treated as the Plan Beneficiary.", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "12", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportional to surviving beneficiaries, then backups", "quote": "If any beneficiary is deceased at the time of your death, his or her assets will be divided proportionately among your surviving beneficiaries. Your backup beneficiaries will inherit your assets only if you have no surviving beneficiaries at the time of your death.", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke, the plan overrides a divorce decree, and a statutory change presented after death is not honored without a court order (Pennsylvania-law plan)", "quote": "therein in any will; trust; premarital, marital, or ... divorce agreement or decree; or other instrument. ... change to your Plan Beneficiary purported to ... be made by a will, trust, agreement, or other ... instrument or state statute presented to Vanguard ... after your death, unless directed to do so by court", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "12", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 individual, 2 trust and 5 organization lines; separate sheet for more; minimum 1%", "quote": "If you need more ... space to list additional ... names, provide the ... information on a ... separate sheet.", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "6", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online enrollment if available; otherwise paper form", "quote": "by completing and signing the Application Form ... or, if available, by enrolling online through ... vanguard.com. Your enrollment will be effective", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "11", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or overnight, El Paso); online if available", "quote": "Mail your completed form and any attached information to: ... or, if available, by enrolling online through", "account_type": "Brokerage and mutual fund TOD (Transfer on Death Plan)", "page": "10", "source_url": "https://personal1.vanguard.com/forms/bdbp.pdf", "form_number": "FDBPT (kit BDBP; agreement TODPAT 092025)", "revision_date": "07/2026", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wealthfront", "institution": "Wealthfront", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Wealthfront taxable investing account beneficiaries" ], "florida": false, "fields": { "spousal_consent": { "value": "yes", "detail": "residents of community property states", "quote": "you need your spouse's consent to designate any primary beneficiary other than your spouse. This need arises from state property law.", "account_type": "Wealthfront taxable investing account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/218367843-Do-I-need-my-spouse-s-consent-to-designate-a-primary-beneficiary-other-than-my-spouse", "form_number": "", "revision_date": "2026-08-28", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a witness; uploaded", "quote": "have your spouse complete the Spousal Consent Form in the presence of a witness, and then upload the completed form on the Taxes & Documents page.", "account_type": "Wealthfront taxable investing account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/218367843-Do-I-need-my-spouse-s-consent-to-designate-a-primary-beneficiary-other-than-my-spouse", "form_number": "", "revision_date": "2026-08-28", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "app or website, primary and contingent", "quote": "You can update your beneficiary information anytime in the mobile app or on our website.", "account_type": "Wealthfront taxable investing account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/213576786-How-do-I-add-or-change-a-beneficiary-to-my-Wealthfront-accounts", "form_number": "", "revision_date": "2026-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; spousal consent form uploaded", "quote": "You can update your beneficiary information anytime in the mobile app or on our website. ... upload the completed form on the Taxes & Documents page", "account_type": "Wealthfront taxable investing account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/213576786-How-do-I-add-or-change-a-beneficiary-to-my-Wealthfront-accounts", "form_number": "", "revision_date": "2026-09-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "webull", "institution": "Webull Financial", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Individual cash and margin brokerage TOD" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "only adult individuals with a U.S. address and TIN; trusts not provided for", "quote": "TOD beneficiaries can be designated for IRAs, Individual Cash, and Margin accounts. ... Beneficiaries must be legal adults (18 or older) with a valid U.S. address and a Tax Identification Number (TIN).", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "same rule for contingent beneficiaries", "quote": "Beneficiaries must be legal adults (18 or older) with a valid U.S. address and a Tax Identification Number (TIN).", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "minors cannot be named", "quote": "Beneficiaries must be legal adults (18 or older)", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "only adult individuals", "quote": "A Transfer on Death (TOD) beneficiary designation allows you to name one or more individuals ... Beneficiaries must be legal adults (18 or older)", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate (older FAQ, written before TOD was offered; now applies where no TOD beneficiary is on file)", "quote": "If the owner of a Webull individual brokerage account passes away, the assets will be processed through their estate.", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/478-How-do-I-designate-or-modify-the-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "6 primary and 6 contingent", "quote": "You can designate up to six primary beneficiaries and six contingent beneficiaries.", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "app or website; overrides the older FAQ that said beneficiaries were only available for IRAs", "quote": "TOD beneficiaries can be designated for IRAs, Individual Cash, and Margin accounts. ... You can revoke a beneficiary directly from the Beneficiaries page on both the mobile app and website.", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (app or website)", "quote": "To add or modify your beneficiary designations, please navigate through the following steps: ... Select View Details next to Beneficiary Information.", "account_type": "Individual cash and margin brokerage TOD", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wellsfargo", "institution": "Wells Fargo Advisors (Wells Fargo Clearing Services, custodian; incl. WellsTrade and Intuitive Investor)", "segment": "brokerage", "account_group": "brokerage_tod", "account_types": [ "Brokerage TOD (Wells Fargo Advisors)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed; date required", "quote": "If you designate a trust as a beneficiary, you must specify the date the trust was established.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingents allowed", "quote": "You may (but are not required to) designate one or more contingent beneficiaries for your account(s).", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date; naming a trustee includes co- and successor trustees", "quote": "If you designate a trust as a beneficiary, you must specify the date the trust was established. For any trustee you name, your designation includes any co-trustee or successor trustee.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date required; naming a trustee includes co- and successor trustees", "quote": "If you designate a trust as a beneficiary, you must specify the date the trust was established.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "refused", "quote": "We will not honor \"per stirpes\" or any similar designation where we would have to determine the identities of heirs of a deceased beneficiary.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary identified individually; heir-determining class designations refused", "quote": "We will not honor \"per stirpes\" or any similar designation where we would have to determine the identities of heirs of a deceased beneficiary. ... You must provide the name, address, birthdate, and taxpayer identification number for any beneficiary.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "2", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"per stirpes\" and similar heir-determining language refused", "quote": "We will not honor \"per stirpes\" or any similar designation where we would have to determine the identities of heirs of a deceased beneficiary.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian required", "quote": "If a beneficiary is a minor, then you must designate a custodian under the Uniform Transfers to Minors Act (UTMA).", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "an estate may be a beneficiary (letters testamentary and affidavit of domicile at payout); estate is also a lapse option", "quote": "If a beneficiary is an estate, then we will require (1) letters testamentary for the personal representative(s), and (2) an affidavit of domicile.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "3", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no primary or contingent beneficiaries are alive when the last surviving account owner dies, or if all beneficiaries disclaim their interests in your account, we will distribute the assets to the last surviving account owner's estate.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "7", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "owner chooses contingent, pro rata, or estate", "quote": "If any primary beneficiary dies before the last surviving account owner, we will distribute that beneficiary's share to (a) the corresponding contingent beneficiary; (b) the other primary beneficiaries on a pro rata basis; or (c) your estate, depending on the option you have chosen.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "4", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property jurisdictions; may reject without consent", "quote": "If you live in a community property jurisdiction and your spouse is neither a joint owner nor the sole primary beneficiary of your account, your spouse must complete this section.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "8", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs consent section; spouse's signature must be notarized", "quote": "By signing below, your spouse declares that he/she is your spouse and consents to any designation of beneficiaries you have made. ... REQUIRED NOTARIZATION OF SPOUSE'S SIGNATURE", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "8", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; extra signed sheet allowed", "quote": "Please use a separate sheet if additional beneficiaries are desired. The sheet must be signed by all account owners.", "account_type": "Brokerage TOD (Wells Fargo Advisors)", "page": "7", "source_url": "https://www.fa.wellsfargoadvisors.com/choden-steiner/mediahandler/media/156013/TOD.pdf", "form_number": "556442", "revision_date": "Rev 21 - 06/18", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "adp-401k", "institution": "ADP Retirement Services", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan" ], "florida": false, "fields": { "trust_details_required": { "value": "yes", "detail": "trust name and trust date (TotalSource form)", "quote": "If you designate a trust as a beneficiary, please include the trust name and trust date.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/adp/presentationresources/adp_beneficiary_form.pdf", "form_number": "AP894550BENEMAY", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and trust date (TotalSource form); no trustee name asked", "quote": "If you designate a trust as a beneficiary, please include the trust name and trust date.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/adp/presentationresources/adp_beneficiary_form.pdf", "form_number": "AP894550BENEMAY", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; heirs of a predeceased beneficiary expressly cut off", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per plan terms", "quote": "If none of my designated beneficiaries are living at the time of my death, or I have not designated a beneficiary, then any distribution of my plan accounts shall be payable to a default beneficiary or beneficiaries in accordance with the terms of the plan.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "form 205, lapsed share to remaining beneficiaries pro rata, heirs cut off; TotalSource, contingents if primaries predecease", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis. ... If your Primary Beneficiary(ies) die(s) before you, then Plan benefits will be distributed to Contingent Beneficiary(ies).", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse must be sole primary unless notarized waiver", "quote": "If you are married, your spouse must be the sole primary beneficiary, unless your spouse approves otherwise and signs the waiver below. ... If you are legally married and have chosen a primary beneficiary other than your spouse, Section III must be completed and notarized.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, spouse must be sole primary unless notarized waiver", "quote": "If you are married, your spouse must be the sole primary beneficiary, unless your spouse approves otherwise and signs the waiver below. ... If you are legally married and have chosen a primary beneficiary other than your spouse, Section III must be completed and notarized.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "form 205, 2 primary and 2 secondary lines, attach more forms; TotalSource, 4 and 4 lines, use the back of the form", "quote": "You must attach an additional beneficiary form(s), if you elect to designate more than two primary and/or more than two secondary beneficiaries. ... If you need to add additional names, please use the back of this form", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes; non-spouse designation by married participant routes to paper form with spousal consent", "quote": "log onto your ADP 401(k) Retirement Savings Account at www.mykplan.com, and select the Manage My Beneficiaries option ... If the second option is selected, you will be prompted to complete and return a hardcopy of the Beneficiary Form requiring spousal consent.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://images.shulcloud.com/1028/uploads/docs/401K/Update%20Your%20Beneficiaries%20Online.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "form 205, to the plan administrator, not ADP; TotalSource, mail or fax to Voya, online when single or naming spouse as sole primary; mykplan.com online", "quote": "Return this form to the Plan Administrator ... DO NOT SEND THIS FORM TO ADP ... If your application is complete, please mail or fax ... you must make or change your beneficiary designations by going online", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://marktrece.com/wp-content/uploads/2018/02/401K-Beneficiary-Form.pdf", "form_number": "BENE(205) 035 04-", "revision_date": "not legible (form code \"035 04-\"; employer copy posted 2018)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "alight-401k", "institution": "Alight Solutions (Alight Worklife)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "spouse if married, else estate (this plan)", "quote": "If you do not make this election, your beneficiary will default to your spouse if you are married in accordance with federal law or to your estate if you are not married.", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "9", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary may designate their own beneficiary; otherwise to the beneficiary's estate", "quote": "In the event a beneficiary dies, subsequent to your death but prior to the distribution of the entire amount distributable to the beneficiary, the balance of the amount distributable to the beneficiary will be paid to the beneficiary designated by the beneficiary", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "51", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "written spousal consent for a non-spouse beneficiary", "quote": "If you are married in accordance with applicable federal law when you die, your full account will be paid to your spouse, unless your spouse consents in writing to the naming of another beneficiary.", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "51", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary or plan representative witness; paper form required for a non-spouse primary", "quote": "In this case, a notary public or Plan representative must witness your spouse's consent. ... If you are married and designating someone other than your spouse as a primary beneficiary, you will be prompted to complete, notarize, and return a paper form.", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "39", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (Alight Worklife)", "quote": "Make or change your beneficiary designation", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "37", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (Alight Worklife); phone (HR Service Center); paper form (notarized) for a non-spouse primary", "quote": "Your initial beneficiary designation and any changes should be made or updated by using Alight Worklife or by contacting the Company HR Service Center.", "account_type": "401(k) employer plan (example: Alight Solutions LLC's own 401(k) Plan)", "page": "39", "source_url": "https://cache.hacontent.com/ybr/R516/16581_ybr_ybrfndt/downloads/ASPSPD.pdf", "form_number": "SPD (no number)", "revision_date": "2023-09-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ascensus-401k", "institution": "Ascensus", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) (Individual(k) owner-only plan form) and 403(b)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "enrollment kit form, trust checkbox per beneficiary line; QRP 481 and 403(b) forms allow \"individual(s) or entity\"; Individual(k) form individuals only", "quote": "Please check primary or contingent for each individual beneficiary ... o Entity o Estate o Trust", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "27", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be marked primary or contingent (enrollment kit form)", "quote": "Please check primary or contingent for each individual beneficiary ... o Entity o Estate o Trust", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "27", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "Tax ID (SSN or EIN) for each beneficiary incl. a trust; no trust date or trustee field", "quote": "Tax ID (SSN/EIN) ... o Entity o Estate o Trust", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "27", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; heirs cut off", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "1", "source_url": "https://dcs.ascensus.com/EmployerDirect/document/download/designation-of-beneficiary.pdf", "form_number": "#10481-IK; 1202", "revision_date": "2010-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate checkbox (enrollment kit form)", "quote": "o Entity o Estate o Trust", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "27", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to remaining beneficiaries pro rata, heirs cut off; contingents if no primary survives (all Ascensus forms)", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis. If no primary beneficiary(ies) survives me, the contingent beneficiary(ies) shall acquire the designated share", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "1", "source_url": "https://dcs.ascensus.com/EmployerDirect/document/download/designation-of-beneficiary.pdf", "form_number": "#10481-IK; 1202", "revision_date": "2010-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse is primary unless consent witnessed by notary or plan representative; 403(b) version adds QPSA waiver and age 35 rule", "quote": "I Am Married - I understand that my spouse will be my Primary Beneficiary. However, I understand I may designate a Primary Beneficiary other than my spouse on the space below if my spouse signs the section below entitled \"Consent of Spouse.\" ... The signature of the spouse must be witnessed by a Notary Public or plan representative as required.", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "1", "source_url": "https://dcs.ascensus.com/EmployerDirect/document/download/designation-of-beneficiary.pdf", "form_number": "#10481-IK; 1202", "revision_date": "2010-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, spouse is primary unless consent witnessed by notary or plan representative; 403(b) version adds QPSA waiver and age 35 rule", "quote": "I Am Married - I understand that my spouse will be my Primary Beneficiary. However, I understand I may designate a Primary Beneficiary other than my spouse on the space below if my spouse signs the section below entitled \"Consent of Spouse.\" ... The signature of the spouse must be witnessed by a Notary Public or plan representative as required.", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "1", "source_url": "https://dcs.ascensus.com/EmployerDirect/document/download/designation-of-beneficiary.pdf", "form_number": "#10481-IK; 1202", "revision_date": "2010-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "enrollment kit, 4 lines, attach a list for more; QRP 481, 3 lines plus an \"Add beneficiaries\" supplement option", "quote": "Check here if you are designating additional beneficiaries. Please attach a list that includes the information requested for the", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "27", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "returned to the employer; the Individual(k) form is kept by the participant and not sent to Ascensus", "quote": "Please return the completed beneficiary designation form to your employer. ... Complete this form for your records only. Do not submit a copy to Ascensus.", "account_type": "401(k) (Individual(k) owner-only plan form) and 403(b)", "page": "28", "source_url": "https://mybusiness.ascensus.com/data/uploads/Ascensus%20Enrollment%20Sample.pdf", "form_number": "ARET01773", "revision_date": "2016-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-associated-bank", "institution": "Associated Bank, National Association", "segment": "bank", "account_group": "employer_plan", "account_types": [ "Associated Bank Retirement Plan Services employer plans (401(k) and similar)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "online beneficiary screen has a Trust box", "quote": "If the beneficiary is a Trust, Estate, or a Charity, check the corresponding box to fill in the information needed.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "4", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same entry screen for contingent beneficiaries", "quote": "A similar screen will appear for contingent beneficiaries or editing beneficiary information. ... If the beneficiary is a Trust, Estate, or a Charity", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "3", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name (39 characters) and Tax ID/EIN", "quote": "If Tax ID/EIN is unknown, use last 4-digits of your social security number. Name of Trust/Estate/Charity is limited to 39 ... characters, abbreviate as needed.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "4", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "Estate box", "quote": "If the beneficiary is a Trust, Estate, or a Charity, check the corresponding box", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "4", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consents to a non-spouse primary (ERISA plan rule)", "quote": "If you are married and are designating someone other than your spouse as your primary beneficiary, your spouse must ... consent in writing for this designation to be valid.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "2", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "written consent on the paper Beneficiary form returned to HR / benefits; notary or plan representative not stated", "quote": "To add a primary beneficiary other than your spouse, you will need to download a Beneficiary form. ... Complete ... this form and return this completed form to your HR or Benefits representative.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "5", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "100", "quote": "The maximum number of primary and contingent beneficiaries is 100.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "3", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online if the plan allows; paper form for a non-spouse primary of a married participant", "quote": "To add, change, or remove your primary and contingent beneficiaries for your retirement plan, click on the My Profile ... If your plan allows for online beneficiaries, click Add Beneficiary", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "2", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (Retirement.AssociatedBank.com); paper form to HR / benefits", "quote": "click Save to save your changes. ... return this completed form to your HR or Benefits representative.", "account_type": "Associated Bank Retirement Plan Services employer plans (401(k) and similar)", "page": "3", "source_url": "https://www.associatedbank.com/pdf/RPS-User-Guide-Beneficiary-Designations-Retirement-Online.PDF", "form_number": "", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "employer_plan", "account_types": [ "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "not accepted", "quote": "the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named", "quote": "The beneficiary(ies) must be named on this form.", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"spouse\", \"children\", \"per stirpes\" refused as names", "quote": "The beneficiary(ies) must be named on this form. For example, the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the plan document", "quote": "If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my Account per the provisions of the above-named Plan.", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportionately to surviving primaries, then contingents", "quote": "I understand that if a Primary Beneficiary predeceases me, the remaining portion will be divided proportionately to any surviving Primary Beneficiaries determined under the provisions of the above-named Plan.", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consents unless sole 100% primary beneficiary (QPSA waiver included)", "quote": "Notarized signature is required when the spouse is not listed as 100% primary beneficiary.", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "2", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a notary; consent irrevocable except by consenting to a new designation", "quote": "Notarized signature is required when the spouse is not listed as 100% primary beneficiary. ... Notary Public Acknowledgment", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "2", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 lines; separate sheet allowed", "quote": "If you wish to designate additional beneficiaries than space allows below, please check the box and attach a separate sheet of paper", "account_type": "Axos Advisor Services Solo 401(k) (Solo 401(k) Beneficiary Designation/Change Request 12/2024; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/solo-401-k-beneficiary-designation-change-request", "form_number": "", "revision_date": "2024-12", "wayback_capture": "2025-04-20", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-banco-popular-de-puerto-rico", "institution": "Banco Popular de Puerto Rico", "segment": "bank", "account_group": "employer_plan", "account_types": [ "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "children may be named; payment to a court-appointed trustee or guardian (blog)", "quote": "If the participant is single: The participant may appoint their children with no need from anyone else's consent. Nonetheless, most retirement plans will not transfer money directly to minors. Instead, a court will appoint a trustee or guardian for the minor(s) to receive the money on their behalf.", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "web page", "source_url": "https://blog.popular.com/en/who-is-your-beneficiary/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse automatically; otherwise per plan document (SPD of an adopting employer and Popular blog)", "quote": "If you are married, your beneficiary will automatically be your Spouse. ... if the participant has not completed the beneficiary appointment form, the retirement plan documentation will establish how the benefits will be distributed, and in the case of being married, the spouse will be the sole beneficiary.", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "web page", "source_url": "https://blog.popular.com/en/who-is-your-beneficiary/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse must consent to any beneficiary other than or in addition to the spouse", "quote": "a married Participant's initial designation of a Beneficiary or change in Beneficiary designation to someone other than or in addition to his Eligible Spouse shall not be effective unless Spousal Consent is obtained", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "1", "source_url": "https://www.popular.com/assets/pdf/Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs a sworn waiver on the form before a notary public (affidavit number) or the plan administrator / plan representative", "quote": "Spousal Consent must be obtained by signature in the following section. Such certification must be obtained before Notary Public or your Plan Administrator. ... The form must be signed by you and your Spouse in front of a Plan representative or a Notary Public.", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "2", "source_url": "https://www.popular.com/assets/pdf/Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "depends on the employer, paper form to the employer or online (blog)", "quote": "Communicate with your Human Resources department to find out if you need to update this information through a form that you must submit to your employer or online at www.popular.com/401k.", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "web page", "source_url": "https://blog.popular.com/en/who-is-your-beneficiary/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form returned to the plan administrator (employer); online for some plans", "quote": "The designation must be made on a form provided by and returned to the Plan Administrator.", "account_type": "Popular Master Plan employer retirement plans (Puerto Rico 1081.01 / 1165(e) plans; Banco Popular trustee)", "page": "18", "source_url": "https://cdn.prod.website-files.com/687119f537fa8984faa9e170/68add0451c3be164da717304_Puerto%20Rico%201165(e)%20Summary%20Plan%20Description%20(English).pdf", "form_number": "5500", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "betterment", "institution": "Betterment", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "Betterment at Work 401(k) (Betterment for Business LLC administrator)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "spouse, then children equally, then estate; also if the beneficiary cannot be located", "quote": "if no designated beneficiary survives you, or if Betterment Securities, as the custodian, cannot locate the beneficiary, Betterment will distribute the benefits to your spouse, if living; or, if your spouse isn't alive or you have no spouse, to your children in equal shares; or if no children, to your estate.", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportionally to surviving primaries", "quote": "in the event your primary beneficiary or beneficiaries do not survive you, the benefit will be allocated proportionally among the remaining primary beneficiaries according to the rules of your 401(k) plan", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married participant naming anyone other than the spouse as sole primary", "quote": "if you are legally married under federal law, your spouse must be the sole primary beneficiary unless he or she consents to the designation of another beneficiary in writing", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "written consent before a notary or plan representative", "quote": "consents to the designation of another beneficiary in writing in the presence of a notary or plan representative using this form or as otherwise required by your plan administrator", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online in the Betterment interface", "quote": "The following terms apply when you designate one or more beneficiaries ... for your account(s) in the Betterment interface. ... With respect to any 401(k) beneficiary designations", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online", "quote": "any change or revocation must be provided in writing to Betterment via the Betterment interface", "account_type": "Betterment at Work 401(k) (Betterment for Business LLC administrator)", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bny-mellon", "institution": "BNY Mellon, National Association", "segment": "bank", "account_group": "employer_plan", "account_types": [ "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name and date (affiliate fund form)", "quote": "Beneficiary's Full Name (first, middle, last) or Trust Name ... Date of Birth/Trust (month/day/year)", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line may be primary or contingent", "quote": "You can name any number of beneficiaries and you can designate each of them as a primary or contingent beneficiary. ... Beneficiary's Full Name (first, middle, last) or Trust Name", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date and tax ID", "quote": "Date of Birth/Trust (month/day/year) ... Social Security Number/Tax ID No.", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian line; the owner cannot be custodian", "quote": "Custodian, if beneficiary is a minor (account owner cannot be designated as the custodian)", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named", "quote": "if your beneficiary is your estate, the balance in your 403(b)(7) Custodial Account will be paid to your estate", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives you, if no beneficiary designation is in effect at your death, or if your beneficiary is your estate", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries; contingents only if all primaries predecease", "quote": "Your entire 403(b)(7) Custodial Account balance will be paid to the beneficiaries who survive you. If you name two primary beneficiaries but one of them dies before you, the entire balance will be paid to the surviving beneficiary. ... only if all primary beneficiaries die before you", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "any number (6 lines on the form)", "quote": "You can name any number of beneficiaries and you can designate each of them as a primary or contingent beneficiary.", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or overnight) to BNY Shareholder Services, Pittsburgh; copy to the employer", "quote": "You have the right to change your beneficiaries at any time by filing a proper written request with the Custodian. You should also give a copy to your Employer. ... Please mail this completed form to:", "account_type": "BNY mutual fund 403(b)(7) custodial account (form RET-403BF-0525; BNY Retail Services, a division of BNY Mellon Securities Corporation; custodian not named on the form)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-403-ben-dsgt-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-calpers", "institution": "California Public Employees' Retirement System (CalPERS)", "segment": "pension", "account_group": "employer_plan", "account_types": [ "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may name a Trust as a primary or contingent beneficiary.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "You may name a Trust as a primary or contingent beneficiary.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust name and trust date", "quote": "If you designate a trust as a beneficiary, please include the trust's name and date.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; examples use \"[trustee], Trustee(s) of [trust] dated [date]\", also a testamentary trust \"created under my Will dated\" and a successor trustee", "quote": "please include the trust's name and date ... George Smith and Clara Smith, Trustees of the George Smith and Clara Smith Living Trust dated August 2, 2013", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "spouse or registered domestic partner, children, parents, estate", "quote": "If you do not complete and return this form, then upon your death your benefits will be paid in the following order of priority: (1) your spouse or registered ... domestic partner; (2) your natural or adopted children; (3) your parents; or (4) your estate.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "contingents if primaries predecease; then the plan document's order", "quote": "If your primary beneficiary(ies) dies before you, then Plan benefits will be distributed to your Contingent Beneficiary(ies). ... If none of the above-named beneficiary(ies) survive me, all benefits under the Plan will be distributed according to the provisions stated in the Plan Document.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "2", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "spouse or registered domestic partner must consent unless sole primary beneficiary", "quote": "must consent in writing in Section 4 of this form or your designation will not be valid or effective", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs a notarized community property waiver; consent irrevocable unless the participant revokes the designation", "quote": "Has the Spousal consent section been signed and notarized (with an official notary stamp or seal) ... my consent is irrevocable unless my spouse/domestic partner revokes the beneficiary designation", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "2", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 4 contingent lines; more names on the back of the form", "quote": "If you need to add additional names use the back of this form.", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "1", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "fax; mail; overnight delivery to Voya Financial; form must be dated within the last 90 days", "quote": "Please submit your completed form by fax or mail", "account_type": "CalPERS Supplemental Income 457 Plan (governmental 457(b), Voya Financial recordkeeper; form PR450001BENEMAINTE)", "page": "3", "source_url": "http://www.calpers-sip.com/PDF_Forms/PR450001BENEMAINTE.pdf", "form_number": "PR450001BENEMAINTE", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "capital-group-rkd", "institution": "Capital Group / American Funds RecordkeeperDirect", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "RecordkeeperDirect 401(k)" ], "florida": false, "fields": { "spousal_consent": { "value": "yes", "detail": "paper form with consent kept by the employer", "quote": "The participant must complete this form and obtain spousal consent as required by plan rules/regulations and then return the paperwork to the employer. The employer is then responsible for inputting the beneficiary information on the plan sponsor website and retaining the paper form with plan records.", "account_type": "RecordkeeperDirect 401(k)", "page": "web page", "source_url": "https://www.capitalgroup.com/retirement/participant/help-center/index.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, but a married participant naming a non-spouse primary must use a paper form", "quote": "Primary and contingent beneficiary designations can be modified post-enrollment via the participant website or mobile app. ... Please note that married participants are not able to designate a primary beneficiary other than their spouse online.", "account_type": "RecordkeeperDirect 401(k)", "page": "web page", "source_url": "https://www.capitalgroup.com/retirement/participant/help-center/index.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (participant website; enrollment flow in the mobile app); paper form returned to the employer, who enters it on the plan sponsor website", "quote": "Primary and contingent beneficiary designations can be modified post-enrollment via the participant website or mobile app. ... The participant must complete this form and obtain spousal consent as required by plan rules/regulations and then return the paperwork to the employer.", "account_type": "RecordkeeperDirect 401(k)", "page": "web page", "source_url": "https://www.capitalgroup.com/retirement/participant/help-center/index.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "schwab", "institution": "Charles Schwab (incl. legacy TD Ameritrade accounts converted to Schwab)", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Relationship (Select only one.) ... Trust", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "partial, full trust name, TIN, trust date; no trustee", "quote": "If Trust, include full Trust name. ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date; no trustee name asked", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, for individuals only; one election per account", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account. ... Per stirpes and per capita are options for individual beneficiaries only; for trusts or organizations (such as charities), designate only a percentage.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "Schwab's own definition, limited to the named beneficiary's living children (one generation); may differ from state law", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's children and no further descendants. ... The definition of per stirpes and per capita in this form may differ from the definition of per stirpes and per capita under your state's laws and/or your will or trust.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; Schwab's own one-generation definition", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "3", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only; a later-born child is not included", "quote": "you. Your designation of named individuals who ... may be in the same class as other individuals ... (e.g., your children or grandchildren) will not ... include the other unnamed members of that", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "9", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no statement accepting custom language; attachment only for extra names; designation must be \"on the form provided\"", "quote": "You must designate your beneficiaries in writing on the form provided. ... If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this application.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Relationship (Select only one.) ... Trust / Organization / Estate", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then living children equally (not stepchildren), then estate", "quote": "If I do not designate a Beneficiary, the balance of the account shall be distributed in the listed order of priority to the following named person(s) surving [sic] me: a) my spouse, b) my living children (natural or legally adopted) in equal shares; stepchildren are not legally defined as descendants for these purposes, c) my estate.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes, on the Inherited IRA application (section 7) or this form", "quote": "7. Designate Your Beneficiary(ies) ... If you wish to indicate additional designation options, including, but not limited to Per Stirpes or Per Capita designations, please skip this section, complete the Schwab Beneficiary Designation form for IRA and 403(b)(7) Accounts, and submit it with this application.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "8", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, per capita; an Authorized Party must certify who takes", "quote": "If all of your named beneficiaries die before you, Schwab will distribute your assets equally among all of the living children of your named beneficiaries, if any. ... If you indicate per stirpes or per capita for a named beneficiary, Schwab will require the Authorized Party (named in Section 5) to certify the identity of the per stirpes/per capita beneficiary(ies) prior to distributing your assets.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "current form (APP10149-22, IRA and 403(b)(7)), community property warranty only; the older 2007 403(b)(7) form (APP39005) had the owner certify spousal consent whenever the spouse was not primary; no spouse signature line on either", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation. ... If I do not designate my spouse as the Primary Beneficiary, I have obtained the consent of my spouse to such designation.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "8", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login required)", "quote": "If you wish to indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch; online options at schwab.com/beneficiaries (the 2007 form was mailed or taken to a branch)", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "403(b)(7) Custodial Account (Schwab as custodian; current IRA and 403(b)(7) beneficiary form)", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "corebridge", "institution": "Corebridge Financial (VALIC Retirement Services Company)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "403(b) mutual fund account" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed", "quote": "A beneficiary may be an individual, institution, estate, or trust.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines carry the same Trust Date field as the primary lines", "quote": "CONTINGENT BENEFICIARIES - Contingent beneficiaries receive death benefits if all the primary beneficiaries are deceased at the time of the ... Trust Date", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date line", "quote": "Relationship:__________________________ Trust Date:", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "write \"Per Stirpes\" after the name", "quote": "A designation of \"Per Stirpes\" after the beneficiary name allows the descendants of the deceased beneficiary to receive the deceased beneficiary's portion.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants take the deceased beneficiary's portion", "quote": "allows the descendants of the deceased beneficiary to receive the deceased beneficiary's portion", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class \"children\" / \"all my children\" recognized (lawful and adopted children only), though the form asks to list each by name", "quote": "Only lawful children, born to or legally adopted by the Client, shall be included as a class if the class designation of \"children\" or \"all my children\" is named as Beneficiary. ... To ensure that all beneficiaries are identified, list each by name.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian required", "quote": "VALIC Retirement Services Company will only pay claims to a beneficiary who is a minor through a custodian or an alternative guardianship arrangement. If you have named a minor as your beneficiary, you must designate a custodian under your states' Uniform Transfers (Gifts) to Minors Act", "account_type": "403(b) mutual fund account", "page": "2", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate allowed", "quote": "A beneficiary may be an individual, institution, estate, or trust.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate, unless the plan document says otherwise", "quote": "In the event that no Beneficiary is designated, the Plan distribution will be paid to your estate unless the plan document provides otherwise. ... If there is no Beneficiary living when the Client dies, payment shall be made to the Client's estate unless the plan document provides otherwise.", "account_type": "403(b) mutual fund account", "page": "2", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to remaining beneficiaries unless per stirpes", "quote": "When there are multiple beneficiaries and one predeceases you, the proceeds will be divided between the remaining beneficiaries.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spousal consent to move away from the spouse", "quote": "If you change your beneficiary from your spouse to a non-spouse, a spousal consent will be required before the change becomes effective.", "account_type": "403(b) mutual fund account", "page": "2", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; additional signed sheets allowed", "quote": "Check here if you have named additional primary beneficiaries on a separate sheet, signed, dated and attached to this form.", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online if the plan allows it", "quote": "Depending on your Plan's role you may have the ability to define and update your beneficiary designation by accessing your account online at corebridgefinancial.com/retire", "account_type": "403(b) mutual fund account", "page": "1", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail (Amarillo, TX); online if the plan allows", "quote": "Please fax this form to 1-877-202-0187 or mail to the address below for processing", "account_type": "403(b) mutual fund account", "page": "2", "source_url": "https://cdom.org/wp-content/uploads/2025/11/403b-Corebridge-Beneficiary-Form.pdf", "form_number": "VL 19577", "revision_date": "VER 10/2024", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "etrade-401k", "institution": "E*TRADE from Morgan Stanley", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Type of Beneficiary ... Name (for trusts, provide trust or agreement date)", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Primary / Contingent [per beneficiary]", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full trust name and latest amendment or restatement date", "quote": "If you elect to name a trust as your beneficiary, please provide the full trust name and latest amendment or restatement date for the trust.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and latest amendment or restatement date; no trustee name", "quote": "If you elect to name a trust as your beneficiary, please provide the full trust name and latest amendment or restatement date for the trust.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, individuals only; default per capita", "quote": "Per Stirpes: the share of any individual beneficiary who predeceases you will pass to his or her descendants, as defined by applicable state law. ... This designation is not available for entity beneficiaries, such as trusts. ... If per capita or per stirpes is not indicated, it will be deemed to be per capita.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants as defined by state law, by right of representation; creates a class", "quote": "any share otherwise payable to a beneficiary shall instead be paid to that beneficiary's surviving descendants by right of representation if the original beneficiary does not survive me. I also acknowledge that \"per stirpes\" creates a category of beneficiaries", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary; default when neither is checked", "quote": "You have two ways to choose how your QRP account will be left to your beneficiaries: Per Capita: all surviving primary beneficiaries will receive their designated share of the account. ... If per capita or per stirpes is not indicated, it will be deemed to be per capita.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"per will\", \"per trust\" and similar wording invalid", "quote": "Designations that include \"per will\" or \"per trust\" or substantially similar language will be considered invalid.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/qualified-retirement-plan", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no, \"per will\" or \"per trust\" designations are invalid; attachment only for more than four beneficiaries", "quote": "The Participant must identify the Beneficiary with sufficient specificity and in an acceptable manner. Designations that include \"per will\" or \"per trust\" or substantially similar language will be considered invalid.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/qualified-retirement-plan", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes; guardian paperwork required", "quote": "In the event that distributing my QRP results in any or all assets passing to a minor, all necessary paperwork will be completed by the minor's legal guardian and proof of the guardian's appointment will be provided.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (agreement)", "quote": "The Participant may designate an individual, trust, the Participant's estate, charitable organization or other entity as a Beneficiary of the Account.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/qualified-retirement-plan", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If no Beneficiary designated by the Participant on the Designation of Beneficiary Form survives the Participant, the Employer directs the Custodian to pay the remaining balance of the Account to the Participant's spouse, or where no Spouse exists, to the Participant's estate.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/qualified-retirement-plan", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per capita (share lapses to other named beneficiaries)", "quote": "Per Capita: all surviving primary beneficiaries will receive their designated share of the account. ... Grandchildren will not receive a share if any children listed as primary beneficiaries are still living.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, notarized spouse consent if any non-spouse is primary; QPSA waiver only for money purchase plans (401(k) uses REA safe harbor)", "quote": "5. CONSENT OF SPOUSE (IF ANY NON-SPOUSE BENEFICIARY IS NAMED AS PRIMARY BENEFICIARY) ... Signature of QRP Participant's Spouse (Must be notarized - Section 7) ... It does not apply to Profit Sharing Plans and 401(k) Plans, since these plans include an REA Safe Harbor provision.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form; witnessed by a notary or plan representative (form Section 7 notary block)", "quote": "their spouse must consent to such designation on the Designation of Beneficiary Form, and the spouse's consent must acknowledge the effect of such designation and be witnessed by a notary public or plan representative. ... Signature of QRP Participant's Spouse (Must be notarized - Section 7)", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://us.etrade.com/l/f/agreement-library/qualified-retirement-plan", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes unless the decree designates the spouse; re-designation after divorce needed to keep the ex-spouse", "quote": "If I designate my spouse as beneficiary, my designation will automatically be void upon the dissolution of my marriage by divorce or annulment ... will pay my QRP as if this beneficiary died before me, unless the decree of divorce or annulment designates my spouse as the beneficiary.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; attach a separate sheet for more", "quote": "If you wish to designate more than four primary or contingent beneficiaries attach a separate sheet and include all the information as indicated below.", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form (forms library offers view online and PDF only); the service agreement mentions an \"electronic equivalent\" of the form but none is offered", "quote": "Designation of Beneficiary (Qualified Plan) Specify who will receive your non-IRA retirement account in the event of your death View Beneficiaries / Download PDF", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "web page", "source_url": "https://us.etrade.com/forms-applications", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form sent to E*TRADE (mail); beneficiaries can only be viewed online", "quote": "I understand that I may change my beneficiary(ies) by completing a QRP Designation of Beneficiary Form and sending it to E*TRADE. ... Designation of Beneficiary (Qualified Plan) Specify who will receive your non-IRA retirement account in the event of your death View Beneficiaries / Download PDF", "account_type": "401(k) (Individual 401(k) / qualified retirement plan held at E*TRADE)", "page": "2", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "0323-QRPDB-B67958 (Ascensus base form (c)2010)", "revision_date": "03/23", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "edwardjones", "institution": "Edward Jones", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "401(k) (owner-only 401(k) at Edward Jones)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, living and testamentary trusts, and separate share subtrusts", "quote": "Custom beneficiary designations can specify beneficiary types including individuals, entities, trusts and separate share trusts.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Custom beneficiary designations can specify beneficiary types including individuals, entities, trusts and separate share trusts.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, trust title and ORIGINAL execution date (not amendment date); testamentary trust needs will date and which trust", "quote": "Living trust: Trust's title or name Original date the trust agreement was executed by the grantor/settlor (not the most recent amendment or restatement date) ... Testamentary trust: Trust's title or name Date of the will executed by the testator under which the testamentary trust is created If the will creates more than one trust, specific details to identify which trust is being designated", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust title and original execution date; testamentary trust by will date", "quote": "Good Example: 100% to the John Wayne Doe Revocable Trust U/A dated 01/01/01 ... Original date the trust agreement was executed by the grantor/settlor (not the most recent amendment or restatement date)", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; designation must name who instructs Edward Jones; it cannot include trust terms", "quote": "The designation cannot include specific terms of any trust entitled to receive the assets, and Edward Jones cannot accept variations which alter the Edward Jones Custodial Agreement.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "name the sub-trust under the parent trust with its original date; name who instructs Edward Jones", "quote": "Good Example: Jane Doe Sub-Trust Under the John Wayne Doe Revocable Trust under Agreement dated 01/01/01 ... For trust shares or multiple subtrusts The designation must include language that indicates from whom Edward Jones may accept information and instruction", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, but only if the designation names the individual whose descendants take (name, SSN, DOB); Edward Jones will not determine class members", "quote": "For per stirpes designation the following information must be included in the designation: Full legal name of the individual whose descendants are designated Social Security number ... Date of birth ... Bad Example: 100% per stirpes Bad Example: 100% to John Doe, per stirpes", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "yes, if the ancestor is identified by name, SSN and date of birth; bare \"per stirpes\" or \"my descendants\" refused", "quote": "Full legal name of the individual whose descendants are designated ... Good Example: 100% to the per stirpes descendants of John Doe; Social Security number of John Doe: xxx-xx-xxxx, date of birth of John Doe xx/xx/xx.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "published \"bad examples\", bare per stirpes, trusts without full title and original date, testamentary trust without will date", "quote": "Bad Example: 100% per stirpes Bad Example: 100% to John Doe, per stirpes ... Bad Example: My Trust dated ... Bad Example: Testamentary Trust under my Last Will", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, explicitly; attorney drafts can be pre-reviewed by the Estates Hotline; signature must be dated within 60 days of receipt; attorney letters of instruction not accepted as designations", "quote": "Edward Jones accepts custom-drafted beneficiary designations for a variety of retirement plans. Supported documents include traditional, Roth, SEP and SIMPLE IRAs, as well as owner-only 401(k) plans. ... If you would like the Edward Jones Estates Hotline to review a draft of a custom designation before it's signed by a mutual client to determine whether Edward Jones will accept it, please fax a copy of the draft document ... The client's signature must be dated within 60 days of receipt at the Edward Jones home office.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "yes, formula, fractional, dollar/pecuniary and separate-share designations if a named person gives instructions and Edward Jones is indemnified", "quote": "They can also include formula, dollar or pecuniary designations. ... Edward Jones will not determine the individuals in a class of beneficiaries (i.e., descendants, per stirpes) entitled to assets after the death of the client, perform formula calculations or make any other discretionary decision.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (estate is also the last default)", "quote": "then (3) my estate", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "4", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/LGL-7414M-A_Final.pdf", "form_number": "5305-A", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, any surviving spouse who is not sole primary must have consented (no community property condition)", "quote": "For owner-only 401(k) plans: If conditions (a) and (b) below are met at the time of the client's death, Edward Jones requires an executed spousal consent to support the beneficiary designation. (a) The client has a surviving spouse; and (b) The surviving spouse is not the sole designated primary beneficiary.", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "Edward Jones form (spouse signs before a witness, no notary) or attorney-drafted consent; spouse may revoke in writing before the owner's death", "quote": "Note: A spousal consent document may be custom drafted by the client's attorney, or an Edward Jones Spousal Consent form may be obtained from a local branch office. ... Signature of Spouse ... Signature of Witness", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "1", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the financial advisor (branch); custom drafts may be faxed to the Estates Hotline for pre-review", "quote": "Contact your financial advisor to update your beneficiary designations. ... please fax a copy of the draft document and your request for review to (877) 818-0584", "account_type": "401(k) (owner-only 401(k) at Edward Jones)", "page": "web page", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/estate-planning-traditional-ira-beneficiary.pdf", "form_number": "CPA-2485F-A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "empower-401k", "institution": "Empower", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) (standard Empower form; plan-specific versions are generated per plan)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Relationship ... My Estate A Trust Other ... Example 2: Trust as Beneficiary ... Trust of Jane Doe XX-XXXXXXX 06/30/2015", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary Name (Name of Individual, Trust, Charity, etc.)", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN, trust date", "quote": "Social Security or Taxpayer Identification Number ... Date of Birth or Trust Date", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, trust date and TIN on the form; trustee name not asked", "quote": "Primary Beneficiary Name (Name of Individual, Trust, Charity, etc.) ... Date of Birth or Trust Date ... Trust of Jane Doe", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; additional documentation may be required at death claim for estate or trustee beneficiaries (sponsor service overview)", "quote": "NOTE: Additional documentation may be required certify different types of beneficiaries such as estate or trustee.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "2", "source_url": "https://www.empower.com/psc/plan-resources/resources/docs/Death-Claim-Processing.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "My Estate ... Example 3: Estate as Beneficiary", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "5", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the plan document's default hierarchy or applicable law", "quote": "If I fail to designate beneficiaries, amounts will be paid pursuant to the terms of the Plan or applicable law. ... If a participant did not designate a beneficiary or all designated beneficiaries predecease the participant, assets may be distributed to claimants according to the plan document's default hierarchy or payout order.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes to surviving beneficiaries of the same class (no per stirpes)", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries. ... If a contingent beneficiary predeceases me, his or her benefit will be allocated to the surviving contingent beneficiaries.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; attach additional sheet for more", "quote": "B Beneficiary Designation (Attach an additional sheet to name additional beneficiaries.) ... Participants may designate multiple beneficiaries.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes, online at empowermyretirement.com (Account, Overview, Beneficiaries); paper form 781610-01 also accepted (overrides earlier \"not stated\")", "quote": "Log in to tell us who should receive them ... sign in, go to Account, click on ... Add a beneficiary to your account today.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "1", "source_url": "https://www.empower.com/client/ducks/resources/docs/Beneficiary-Flyer.pdf", "form_number": "RO4576790-0625", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "wet signature required on the paper form (participant, spouse, notary, plan administrator); online designation is separate", "quote": "A handwritten signature is required on this form. An electronic signature will not be accepted and will result in a significant delay.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail; express mail (no hand delivery)", "quote": "Uploaded Electronically: ... Login to account at ... Click on Upload Documents to submit ... Sent Regular Mail to: ... Sent Express Mail to: ... We will not accept hand delivered forms at Express Mail addresses.", "account_type": "401(k) (standard Empower form; plan-specific versions are generated per plan)", "page": "3", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "equitable", "institution": "Equitable (EQUI-VEST 403(b) annuities)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "EQUI-VEST 403(b) (TSA) and Keogh contracts", "State of Iowa 457 and 401(a) plans (Momentum, 2004 form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust with name, date and acting trustees", "quote": "If a trust is designated as a beneficiary, please include the full name of the trust and the date and name(s) of the present acting trustee(s).", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust instruction applies to primary and contingent lines", "quote": "If a trust is designated as a beneficiary, please include the full name of the trust ... (b) If all Primary Beneficiaries pre-decease me, I designate", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full name, date, current trustees", "quote": "please include the full name of the trust and the date and name(s) of the present acting trustee(s)", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name, date and current trustees; sample wording \"Trustee(s) under Trust Agreement dated ...\"", "quote": "please include the full name of the trust and the date and name(s) of the present acting trustee(s) ... Trustee(s) under Trust Agreement dated February 1, 1994.", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for a living trust and a testamentary trust (no sub-trust format)", "quote": "Trustee(s) under Trust Agreement dated February 1, 1994. ... Trustee(s) of the Trust created in the instrument admitted to probate as the Last Will and Testament of the annuitant", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes shown in a sample written designation", "quote": "if not then living in equal shares to the annuitant's children who are then living and to the then living children of any deceased child of the annuitant, per stirpes.", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "sample class designations (\"annuitant's children\")", "quote": "In equal shares to the annuitant's children who are living at the death of the annuitant, should none then be living in equal shares to the annuitant's parents", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "narrative designations (sample wording with survivorship conditions) and attached listings; no review process stated", "quote": "If you require additional space, please provide a listing for all desired primary or contingent beneficiaries, relationships, Address(es), and Social Security Number and include with this signed and dated election form. ... Sample Beneficiary Designations", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "sample designation", "quote": "Annuitant's executors or administrators (Annuitant's estate).", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "3", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "ERISA TSA and Keogh contracts", "quote": "For TSA plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) & all Non-Trusteed Keogh (HR-10) plans and contracts which were formerly trustee owned: If you are a current or former Annuitant in one of these plans, your spouse's consent is required", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary or plan administrator", "quote": "One of the following two statements must be completed and witnessed by a Notary Public or Plan Administrator.", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attached listing allowed", "quote": "If you require additional space, please provide a listing for all desired primary or contingent beneficiaries", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or express); fax number printed in the header", "quote": "Regular Mail: ... Charlotte, NC 28201-1430 ... Fax: 816-701-4969", "account_type": "EQUI-VEST 403(b) (TSA) and Keogh contracts", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=A2022100300001", "form_number": "X03435_6_f (Cat. #125279)", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tsp", "institution": "Federal Thrift Savings Plan (TSP)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You can designate up to twenty beneficiaries of your account including persons, a trust, a corporation, your estate, or another legal entity (including a foundation or charity).", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "in your secondary account, you will need to assign either \"primary\" or \"contingent\" to each beneficiary.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, EIN, trustee name (TSP-3 fields)", "quote": "Name of Individual (Last, First, Middle)/Trust/Estate/Legal Entity or Corporation ... Name of Trustee/Executor (if applicable) ... SSN/EIN/Tax ID", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "3", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and trustee's name and address; EIN if available; no trust date asked", "quote": "If the beneficiary is a trust, check the box marked ... Enter the name of the trust and the trustee's name and", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; tertiary beneficiaries barred", "quote": "You cannot designate tertiary beneficiaries (i.e., \"third-in-line\" beneficiaries who would be entitled to a share of your account if the primary and contingent beneficiaries die before you do) for a TSP account.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each individual named with share and date of birth or SSN (Form TSP-3, 2017); no class designation described", "quote": "For each individual you designate, enter the full name, share", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "designations by will or court order refused", "quote": "Only a Form TSP-3 is valid for designating beneficiaries to your TSP account(s); a will or court order (i.e., divorce decree) is not valid for the disposition of a TSP account. ... A will may not be used to designate a beneficiary of a TSP account.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no, altered forms and will-based designations invalid", "quote": "You do not alter this form or any information you provide on it. ... You do not submit your will or direct us to make a designation according to your will.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "2", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; paid directly to the child unless a UTMA custodian is designated (form from the ThriftLine)", "quote": "If the beneficiary is a minor child, benefits will be ... made payable directly to the child ... To designate a custodian for your ... you may want to consider using a Uniformed Transfer", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://ctd.uscourts.gov/sites/default/files/TSP-3-Designation-of-Beneficiary-Fillable-Revised-May-2017.pdf", "form_number": "TSP-3", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "your estate", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "5", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "statutory order, spouse, children (deceased child's share to descendants), parents, estate executor, next of kin (5 U.S.C. 8424(d))", "quote": "If you die with a balance in your TSP account and you did not designate beneficiaries for that account, the account will be distributed according to the following order of precedence required by law: 1. To your spouse 2. If none, to your child or children equally, with the share due any deceased child divided equally among that child's descendants 3. If none, to your parents equally or to your surviving parent 4. If none, to the appointed executor or administrator of your estate 5. If none, to your next of kin", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "", "source_url": "https://www.tsp.gov/publications/tspbk33.pdf", "form_number": "TSPBK33", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "spouse beneficiary participants name their own beneficiaries on a separate TSP-3 per BPA (or online)", "quote": "Form TSP-3 is also used by beneficiary participants to designate beneficiary(ies). ... he or she will need to complete a separate Form TSP-3 to designate beneficiaries for the BPA because it has its own unique account number.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "web page", "source_url": "https://www.tsp.gov/bulletins/14-4/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the primary's own contingents, else pro rata to other designated beneficiaries, else statutory order; simultaneous death = predeceased; a beneficiary dying before payment passes to his or her estate; a trust not in existence at death lapses to the other beneficiaries", "quote": "If there are no contingent beneficiaries, the deceased beneficiary's share will be paid to the other designated beneficiaries in proportion to the shares designated by the participant. ... If a beneficiary dies at the same time as the participant, the beneficiary will be treated as if he or she had died before the participant. ... If a beneficiary dies after the participant but before payment is made, the beneficiary's share will be paid to the beneficiary's estate.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "web page", "source_url": "https://www.tsp.gov/bulletins/14-4/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; former spouse still paid unless a new designation is made", "quote": "By law, the TSP must pay your properly designated beneficiary(ies) under all circumstances. For example, if you designate your spouse as a beneficiary, that spouse will still be entitled to death benefits if you separate or divorce from that spouse or remarry and do not change your beneficiary designation. ... For death benefit purposes, your designated beneficiary will receive your account, even if you divorce.", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "", "source_url": "https://www.tsp.gov/publications/tspbk08.pdf", "form_number": "TSPBK08", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "20", "quote": "You can designate up to twenty beneficiaries of your account", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (primary method)", "quote": "To designate a beneficiary or beneficiaries, log in to My Account on tsp.gov or use one of the ThriftLine Service Center options", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (My Account); ThriftLine; paper TSP-3 by mail or fax directly to the TSP (not the agency), received before death and within 365 days of signing", "quote": "To designate a beneficiary or beneficiaries, log in to My Account on tsp.gov or use one of the ThriftLine Service Center options ... The TSP must receive a Participant's Form TSP-3 on or before the date of their death, and no more than 365 calendar days after it is signed. ... Fax: 1-866-817-5023", "account_type": "TSP (federal 401(k)-type plan; civilian, uniformed services, and beneficiary participant accounts)", "page": "6", "source_url": "https://www.tsp.gov/publications/tspbk31.pdf", "form_number": "TSPBK31", "revision_date": "2024-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "Self-Employed 401(k) (Fidelity plan document)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "Non-Spouse / Trust / Other Entity", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "checkbox", "quote": "Contingent Beneficiaries ... Trust", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, trust date", "quote": "Name ... Social Security or Taxpayer ID Number ... Date of Birth/Trust MM DD YYYY", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and TIN; no trustee name asked", "quote": "Date of Birth/Trust MM DD YYYY", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox", "quote": "If you outlive a beneficiary and you want that beneficiary's share to go to his or her descendants, check \"Per stirpes.\"", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "right of representation; creates a class", "quote": "if you check \"per stirpes,\" that any share otherwise payable to a beneficiary shall instead be paid to that beneficiary's surviving descendants by right of representation if the original beneficiary does not survive the account owner. ... \"per stirpes\" creates a category of beneficiaries", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually", "quote": "by name does NOT create a category of", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "if you do not properly name a beneficiary, or no beneficiary survives you, your beneficiary will be your spouse or, if you are not married, your estate in accordance with the rules of succession in the Plan Document.", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse must be sole primary or consent", "quote": "If you are married, and you designate anyone other than your spouse as beneficiary, you must provide a notarized signature of your spouse in Section 5. ... Notarized signature required if spouse is not the only primary beneficiary.", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notarized spouse signature (U.S. notary); a later marriage nullifies an earlier designation", "quote": "Notarized signature required if spouse is not the only primary beneficiary. ... The marriage of ... a Participant shall nullify any designation of a Beneficiary previously exe-", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "copy the page for more", "quote": "If you need more room for information, make a copy of the relevant page.", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online", "quote": "You can change beneficiaries any time at Fidelity.com/beneficiary.", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail", "quote": "complete, sign, and submit using the ... can the QR code OR go to Fidelity.com/upload-DCRP-Bene ... You can change beneficiaries any time at Fidelity.com/", "account_type": "Self-Employed 401(k) (Fidelity plan document)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-retirement-plan.pdf", "form_number": "1.929800.107", "revision_date": "2025-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity-workplace", "institution": "Fidelity Workplace Investing (NetBenefits)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "403(b) and 401(k) (ERISA plan with QPSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust is a listed relationship", "quote": "Relationship to Applicant: Spouse OR Trust OR Estate/Charity OR Other ... Trust Name", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "3", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary(ies) ... Trust Name ... Date of Birth or Trust Date", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "3", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, date, TIN (or owner SSN); trustee if available; trust must already exist", "quote": "Naming a trust: Provide the name, date, and tax identification number of the trust (if available). If there has not been a tax identification number assigned to the trust, provide your Social Security number. The trust must be established prior to the date this form is submitted. ... If available, provide the name and address of one trustee.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; TIN (or owner SSN); one trustee if available", "quote": "If you designate a trust as a beneficiary, please include the trust's name and the date the trust was created.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "told not to send the trust", "quote": "Do not send a copy of the trust agreement.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no per stirpes option; lapse to survivors", "quote": "If a percentage is indicated and a primary beneficiary(ies) does not survive you, the percentage of that beneficiary's designated share shall be divided among the surviving primary beneficiaries in proportion to the percentage selected for them.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "signed and dated attachment", "quote": "To assign additional beneficiaries, or to designate a more complex beneficiary designation, please attach, sign, and date a separate piece of paper with this information.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "allowed; guardian may be needed", "quote": "If you should choose a minor, a person who is not legally competent, or an estate as beneficiary, it may be necessary to have a guardian or administrator appointed before any proceeds can be paid.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Estate/Charity ... Naming an estate: Letters of appointment issued by the court naming the executor or administrator of the estate must be provided when a claim is filed.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per plan document", "quote": "if I choose not to designate a beneficiary, distributions will be made according to the plan document or, if applicable, the Fidelity Investments Section 403(b)(7) Individual Custodial Account Agreement.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "5", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving beneficiaries", "quote": "If a percentage is indicated and a primary beneficiary(ies) does not survive you, the percentage of that beneficiary's designated share shall be divided among the surviving primary beneficiaries in proportion to the percentage selected for them.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "at least 50% to spouse absent consent", "quote": "If you are married, your plan requires you to designate that your spouse receives at least 50% of your vested account balance unless your spouse consents", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "2", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary or plan representative; pre-age-35 designation voids", "quote": "your spouse must sign the Spousal Consent portion of this form in the presence of a notary public or a representative of the plan. ... If this designation occurs prior to the first day of the plan year in which you attain age 35, this designation is void on the earlier of (a) the first day of the plan year in which you attain age 35, or (b) the date of your separation from service.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "2", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke unless law or plan requires", "quote": "this designation is not automatically revoked by your divorce from the former spouse. Unless ... otherwise required by applicable federal or state law, or the terms of your retirement plan document, your former spouse will remain", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 + 3 lines; attach a signed, dated sheet for more", "quote": "You are not limited to three primary and three contingent beneficiaries.", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload in NetBenefits app; mail or overnight mail", "quote": "Digitally using the NetBenefits® Mobile App ... Tap: Actions > Send a Document ... Regular Mail", "account_type": "403(b) and 401(k) (ERISA plan with QPSA)", "page": "1", "source_url": "https://www.wesleyan.edu/hr/pdfs/Fidelity%20Beneficiary%20Form%20with%20spousal%20consent.pdf", "form_number": "1.471260.114", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "frs-investment", "institution": "Florida Retirement System (FRS) Investment Plan", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "FRS Investment Plan (defined contribution, governmental 401(a))" ], "florida": true, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may designate any person, organization or trust, or your estate.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent beneficiaries are optional and must be different than your primary beneficiaries", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "The percentage payable to a beneficiary who dies before you will be paid equally among the surviving primary beneficiaries.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; natural guardian may handle up to $15,000; court guardianship above that", "quote": "When a minor child or children is/are the designated beneficiaries of the member ... In all cases in which a minor is a beneficiary of an account balance which is greater than $15,000, the surviving parent(s), or other relative or other interested party, must apply for a formal guardianship.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "web page", "source_url": "https://flrules.elaws.us/fac/19-11.002", "form_number": "", "revision_date": "2026-03-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "or your estate", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children, then parents, then estate (s. 121.4501(20), F.S.); later marriage revokes a pre-marriage designation", "quote": "If the member does not designate a beneficiary(ies), or if no designated beneficiary survives the member, then the member's beneficiary(ies) will be those specified by Section 121.4501(20), F.S. which are: the deceased member's spouse; or if there is no surviving spouse, then the deceased member's children ... if no children survive, the deceased member's father or mother, if living; otherwise the deceased member's estate.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "web page", "source_url": "https://flrules.elaws.us/fac/19-11.002", "form_number": "", "revision_date": "2026-03-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary may name a successor beneficiary, who must take a full distribution", "quote": "As the beneficiary, you can designate another beneficiary of your Investment Plan. However, your beneficiary will be required to take a full distribution of the account.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "5", "source_url": "https://www.myfrs.com/pdf/forms/death_benefit_information_notice.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-05-10", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share split equally among surviving primaries; contingents only if all primaries are dead", "quote": "The percentage payable to a beneficiary who dies before you will be paid equally among the surviving primary beneficiaries.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse acknowledgement signature (not ERISA consent) if spouse is not primary", "quote": "I understand that if I am married and have named someone other than my spouse as my primary beneficiary, my spouse needs to sign this designation ... Spousal Acknowledgement: By signing below, I hereby acknowledge that, as the spouse of the Member named above, I am aware that my spouse designated someone other than me", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs an acknowledgment (not a consent) on IPBEN-1 or Form IPBENACK-1; no notary stated; affidavit waiver if spouse cannot be found or refuses", "quote": "Spousal Acknowledgement: By signing below, I hereby acknowledge that, as the spouse of the Member named above, I am aware that my spouse designated someone other than me ... If the spouse cannot be located or refuses to sign the acknowledgement, the member may request that the acknowledgement requirement be waived by submitting an affidavit setting forth facts and circumstances.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; copy the page for more", "quote": "If you need to add more than 3 primary or contingent beneficiaries, make a copy of this page and attach it to this form.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes", "quote": "You may change your beneficiary at any time by logging in MyFRS.com or by completing a new Beneficiary Designation form.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=16161&filename=FRS%20Investment%20Plan%20Beneficiary%20Design%20Form-07-2023.pdf", "form_number": "IPBEN-1", "revision_date": "2023-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (MyFRS.com); phone; mail; fax", "quote": "Alternatively, a beneficiary may also be designated electronically by logging on to MyFRS.com ... or by calling the Investment Plan Administrator ... MAIL your completed form to: FRS Investment Plan Administrator ... OR FAX your completed form to", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "1", "source_url": "https://flrules.elaws.us/fac/19-11.002", "form_number": "", "revision_date": "2026-03-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "as soon as administratively possible; generally effective at close of business on the day received (MyFRS help page)", "quote": "The Investment Plan Administrator processes the designation as soon as administratively possible ... the beneficiary designation generally takes effect the close of business on the day the designation is received.", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "web page", "source_url": "https://www.myfrs.com/Beneficiary_Designation.htm", "form_number": "", "revision_date": "", "wayback_capture": "2026-06-06", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written, irrevocable and unqualified; filed with the Plan Administrator within 9 months (or 9 months after age 21); no prior acceptance; partial allowed; notarized letter suffices", "quote": "A designated beneficiary may disclaim any monetary interest as provided in chapter 739, F.S., and Internal Revenue Code s. 2518. ... There is no special form or document that an individual must complete to disclaim inherited assets. A letter, duly notarized, is sufficient as long as it meets the requirements set forth in paragraph (b).", "account_type": "FRS Investment Plan (defined contribution, governmental 401(a))", "page": "web page", "source_url": "https://flrules.elaws.us/fac/19-11.002", "form_number": "", "revision_date": "2026-03-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "guideline", "institution": "Guideline (Gusto Retirement)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "Guideline 401(k)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts allowed", "quote": "In general, you can leave your 401(k) account to the following beneficiaries of your choosing: Individuals Trusts Charities", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minors allowed; guardian needed if under 18 at payout", "quote": "While you can name a minor as a beneficiary, if the minor has not turned 18 by the time they", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate allowed", "quote": "or if you wish you can name your estate as your beneficiary. The executor (the individual appointed to administer your estate) will either need to contact us and have a notarized Small Estate Affidavit completed or go through probate", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, children, parents, estate", "quote": "If you don't name a beneficiary, or if none of your beneficiaries survive you, your account will be distributed in the following order: Surviving spouse Children (split equally) Parents (split equally) Your estate", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the other primaries", "quote": "If a primary beneficiary is unable to inherit the funds, their portion will be evenly distributed to the other primary beneficiaries before any secondary beneficiaries can claim the funds.", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "any non-spouse designation", "quote": "If you want to designate a beneficiary other than your spouse, your spouse's notarized, written consent is required.", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8646771-why-marital-status-matters-when-designating-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notarized; new consent for each change", "quote": "your spouse's notarized, written consent is required. Additionally, if you want to change to a different beneficiary later on, you must receive notarized consent again.", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8646771-why-marital-status-matters-when-designating-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke", "quote": "if you divorce, your former spouse's rights to your account will not be revoked automatically, even if you have a domestic relations order (DRO)", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "10 primary and 10 secondary", "quote": "You may select up to 10 primary beneficiaries and 10 secondary beneficiaries.", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, Account Settings page", "quote": "When setting up your Guideline 401(k), you will be asked to designate a beneficiary within the Account Settings page.", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online", "quote": "you will be asked to designate a beneficiary within the Account Settings page", "account_type": "Guideline 401(k)", "page": "web page", "source_url": "https://help.guideline.com/en/articles/8640330-how-do-i-designate-who-will-be-the-beneficiaries-of-my-401-k", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "johnhancock-401k", "institution": "John Hancock Retirement (Manulife John Hancock)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named; extra paperwork required (not described)", "quote": "Additional paperwork is also required if you name a trust as your beneficiary.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "2", "source_url": "https://retirement.johnhancock.com/bin/jhi-rps/seismic/render?documentName=jh-annual-beneficiary-reminder-email.pdf", "form_number": "MS1111254977833", "revision_date": "", "wayback_capture": "2026-03-08", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to surviving primaries pro rata; equal shares if no percentages; contingents only if no primary survives (GP5500US)", "quote": "If a percentage is indicated and a primary beneficiary(ies) does not survive me, the percentage of that beneficiary's share shall be divided among the surviving primary beneficiary(ies) in proportion to the percentages shown ... Payment to secondary beneficiaries will be made according to the rules of succession described for Primary Beneficiary.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "1", "source_url": "https://www.zanenetworks.com/wp-content/uploads/2023/08/401k-benefic.pdf", "form_number": "GP5500US", "revision_date": "2019-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "consent if spouse is not sole primary; an unmarried participant's designation ceases on later marriage (GP5500US; ERISA plan rules)", "quote": "If I am married and have not designated my spouse as my sole primary beneficiary, this designation of beneficiary will not be effective unless consented to by my spouse below. If I am not married on the date I sign this Beneficiary Designation Form, but subsequently become married prior to benefit commencement, I understand that this designation of beneficiary shall cease to be effective upon my marriage.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "1", "source_url": "https://www.zanenetworks.com/wp-content/uploads/2023/08/401k-benefic.pdf", "form_number": "GP5500US", "revision_date": "2019-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary (with seal) or plan representative witness; consent limited to the named primary beneficiaries", "quote": "your spouse's certification must be notarized by a Notary Public or witnessed by a Plan Representative ... I understand that my spouse cannot change any primary beneficiary in the future without my written consent.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "1", "source_url": "https://www.zanenetworks.com/wp-content/uploads/2023/08/401k-benefic.pdf", "form_number": "GP5500US", "revision_date": "2019-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attach a signed and dated sheet for more (GP5500US)", "quote": "If you choose to name more than two Primary and/or Contingent Beneficiary(ies), please attach a separate sheet of paper with your additional designations. You must also sign and date the additional sheet of paper.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "1", "source_url": "https://www.zanenetworks.com/wp-content/uploads/2023/08/401k-benefic.pdf", "form_number": "GP5500US", "revision_date": "2019-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "online under My profile; not for every designation (spousal consent or trust needs paperwork)", "quote": "Sign in to your account ... Select Update my beneficiary info ... Depending on who you select as your beneficiary, you may not be able to update your account online.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "1", "source_url": "https://retirement.johnhancock.com/bin/jhi-rps/seismic/render?documentName=jh-annual-beneficiary-reminder-email.pdf", "form_number": "MS1111254977833", "revision_date": "", "wayback_capture": "2026-03-08", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (John Hancock site); paper form GP5500US kept by the plan administrator, not sent to John Hancock", "quote": "Select Update my beneficiary info ... The form will be retained by the Plan Administrator and does not need to be submitted to John Hancock.", "account_type": "401(k) and 403(b) plans recordkept by John Hancock Retirement Plan Services", "page": "2", "source_url": "https://retirement.johnhancock.com/bin/jhi-rps/seismic/render?documentName=jh-annual-beneficiary-reminder-email.pdf", "form_number": "MS1111254977833", "revision_date": "", "wayback_capture": "2026-03-08", "retrieved": "2026-09-24" } } }, { "inst_id": "lincoln-403b", "institution": "Lincoln Financial", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "403(b)/401(k) employer plan" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "1. Primary beneficiary Spouse Non-spouse Trust Other entity", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "1. Contingent beneficiary Spouse Non-spouse Trust", "account_type": "403(b)/401(k) employer plan", "page": "2", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date; signed copy of trust", "quote": "Date of birth/trust (mm/dd/yyyy)", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date (with the trust name in the name field); no trustee name asked", "quote": "Date of birth/trust (mm/dd/yyyy)", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "signed copy of the trust, later amendments, and (4/24 edition) an affidavit on special trust circumstances", "quote": "If you designate a trust as a beneficiary, a copy of the signed trust is required, as well as an affidavit explaining any special trust circumstances; such as look through trust, special needs trust, etc. ... If the trust is amended in the future, any amendments must be provided to Lincoln.", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://unitedbenefitfund.com/wp-content/uploads/2025/10/Lincoln-Financial-Beneficiary-Form.pdf", "form_number": "RPS81739-AL-LFG", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "see_through_certification": { "value": "yes", "detail": "affidavit for a look-through or special needs trust; Lincoln relies on its representations (4/24 edition)", "quote": "an affidavit explaining any special trust circumstances; such as look through trust, special needs trust, etc. Lincoln will be entitled to rely on representations made about the trust in the affidavit, including the trust's satisfying any requirements for its stated purpose.", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://unitedbenefitfund.com/wp-content/uploads/2025/10/Lincoln-Financial-Beneficiary-Form.pdf", "form_number": "RPS81739-AL-LFG", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-25" }, "per_stirpes_offered": { "value": "no", "detail": "no; heirs cut off", "quote": "If any primary or contingent beneficiary dies before me, their interest and the interest of their heirs will terminate completely.", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse if married; otherwise per plan document or state law", "quote": "If I am married and I do not name a beneficiary, all death benefits will be paid to my surviving spouse. If both of the following applies, all death benefits will be paid according to the retirement plan document provisions or applicable state regulations: I am not married or do not have a surviving spouse ... If no beneficiary survives or I do not name a beneficiary", "account_type": "403(b)/401(k) employer plan", "page": "3", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes to the remaining beneficiaries; the predeceased beneficiary's heirs are cut off", "quote": "If any primary or contingent beneficiary dies before me, their interest and the interest of their heirs will terminate completely. The percentage share of any remaining beneficiary or beneficiaries will acquire the designated share of my balance.", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse must be sole beneficiary unless written consent witnessed by plan administrator or notary; naming a trust also requires consent", "quote": "Under this retirement plan, if you are married, your spouse must be the sole beneficiary to your plan benefits unless your spouse has consented in writing to your alternative beneficiary designation(s). If you are married and you wish to name a trust or someone other than your spouse as primary beneficiary, you and your spouse must review and complete the information on this form.", "account_type": "403(b)/401(k) employer plan", "page": "1", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse's signature witnessed by the plan administrator or a notary (seal and date)", "quote": "Plan administrator's signature or notary's signature ... sign here as a witness to your ... a notary sign, seal, and date where", "account_type": "403(b)/401(k) employer plan", "page": "3", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; complete and sign an additional form for more", "quote": "To name more beneficiaries than ... and sign an additional Beneficiary", "account_type": "403(b)/401(k) employer plan", "page": "2", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes if plan allows", "quote": "If available to your plan, visit the Lincoln website and make changes to your online account", "account_type": "403(b)/401(k) employer plan", "page": "3", "source_url": "https://www.lincolnfinancial.com/public/microsite/pdf/FRDT--Bene-Spousal-Waiver.pdf", "form_number": "RPS81701-AL-LFG", "revision_date": "2018-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online if the plan allows; email (pdf, tif, png; 4/24 edition); fax; mail; express mail; phone", "quote": "If available to your plan, visit the ... Return all documents to: ... AllianceForms@LFG.com ... (Accepted format: .pdf, .tif, .png) ... If faxing, include both the", "account_type": "403(b)/401(k) employer plan", "page": "3", "source_url": "https://unitedbenefitfund.com/wp-content/uploads/2025/10/Lincoln-Financial-Beneficiary-Form.pdf", "form_number": "RPS81739-AL-LFG", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-massmutual", "institution": "Massachusetts Mutual Life Insurance Company (MassMutual)", "segment": "insurer", "account_group": "employer_plan", "account_types": [ "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named on individually owned contracts; plan-owned contracts must name the plan as primary", "quote": "Named Individual(s) Trust Trust under Will Estate of the Insured Other Entity ... For Non-Qualified Deferred Compensation Plan and Qualified Plan owned contracts, the plan must be designated as primary beneficiary.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "5", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be contingent", "quote": "Beneficiary (Select one): Primary Contingent Type (Select one): Named Individual(s) Trust Trust under Will Estate of the Insured Other Entity", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "6", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust legal name, trust date, TIN", "quote": "Full legal name: ... Date of birth/Trust (mm/dd/yyyy): ... Taxpayer Identification Number (SSN / ITIN / EIN):", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "3", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date asked; trustee name not asked", "quote": "Date of birth/Trust (mm/dd/yyyy):", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "5", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per beneficiary line; natural persons only; default no", "quote": "Issue per stirpes? Yes No (Default) ... Issue per stirpes is only applicable if the beneficiary is a natural person.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "5", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's surviving children, before contingent beneficiaries", "quote": "Issue Per Stirpes. This means that if a Beneficiary dies before the ... Owner, any amount that would have been paid to that Beneficiary, will ... be paid in one sum and in equal shares to the surviving children of ... that Beneficiary, if any, before any other Contingent Beneficiary.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "12", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian per line (not with per stirpes; not in Vermont or Puerto Rico); else court-appointed guardian", "quote": "UTMA/UGMA Custodian (This is not applicable if Issue per stirpes is selected above) ... If no custodian is designated, any money payable to a minor will ... be paid to the court appointed guardian of the estate of the minor.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "6", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate of the Insured\" is a beneficiary type", "quote": "Named Individual(s) Trust Trust under Will Estate of the Insured Other Entity", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "6", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner or owner's estate; surviving joint owner is primary on listed contracts", "quote": "If there is no living or existing beneficiary, the proceeds will be paid ... to the owner or the owner's estate.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "12", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share to survivors in the same class pro rata (except per stirpes lines)", "quote": "If Distribution Amounts/Percentages are designated, and a ... beneficiary predeceases the Owner, no longer exists or is no longer ... the surviving beneficiaries in that class as per the ratio designated", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "12", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "ERISA qualified contracts, Keogh and former qualified plan contracts", "quote": "Spousal consent is required in section H if changing a beneficiary on a qualified contract subject to ERISA to a person other than a spouse ... Spousal Consent & Notary Stamp/Seal (Required for beneficiary changes on all ERISA TSA, Keogh (H.R. 10) & former Qualified Plan", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "5", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a notary; marital status certification; form must arrive within 30 days of signing", "quote": "Married and my Plan is subject to ERISA (Signature of spouse and Notary stamp/seal also required). ... A signed and completed form must be received within 30 days of the date signed.", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "1", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; overnight mail; email; fax", "quote": "Phone: Mail: Overnight Mail: Email: ... ANNfax@MassMutual.com ... Attention: Annuity Hub", "account_type": "MassMutual annuity contracts under ERISA TSA, Keogh (H.R. 10), qualified plan and former qualified plan (Annuity Contract Change Request)", "page": "11", "source_url": "https://compass.massmutual.com/api/public/assets/file/blt71350b86e92b9449", "form_number": "FR2057", "revision_date": "", "wayback_capture": "2025-06-21", "retrieved": "2026-09-24" } } }, { "inst_id": "empower-massmutual", "institution": "MassMutual retirement plans (now administered by Empower)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) (former MassMutual plans, Empower form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Relationship ... My Estate A Trust Other ... Example 2: Trust as Beneficiary ... Trust of Jane Doe XX-XXXXXXX 06/30/2015", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary Name (Name of Individual, Trust, Charity, etc.)", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN, trust date", "quote": "Social Security or Taxpayer Identification Number ... Date of Birth or Trust Date", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, trust date and TIN on the form; trustee name not asked", "quote": "Primary Beneficiary Name (Name of Individual, Trust, Charity, etc.) ... Date of Birth or Trust Date ... Trust of Jane Doe", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; additional documentation may be required at death claim for estate or trustee beneficiaries (sponsor service overview)", "quote": "NOTE: Additional documentation may be required certify different types of beneficiaries such as estate or trustee.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "2", "source_url": "https://www.empower.com/psc/plan-resources/resources/docs/Death-Claim-Processing.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "My Estate ... Example 3: Estate as Beneficiary", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "5", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the plan document's default hierarchy or applicable law", "quote": "If I fail to designate beneficiaries, amounts will be paid pursuant to the terms of the Plan or applicable law. ... If a participant did not designate a beneficiary or all designated beneficiaries predecease the participant, assets may be distributed to claimants according to the plan document's default hierarchy or payout order.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes to surviving beneficiaries of the same class (no per stirpes)", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries. ... If a contingent beneficiary predeceases me, his or her benefit will be allocated to the surviving contingent beneficiaries.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; attach additional sheet for more", "quote": "B Beneficiary Designation (Attach an additional sheet to name additional beneficiaries.) ... Participants may designate multiple beneficiaries.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes, online at empowermyretirement.com (Account, Overview, Beneficiaries); paper form 781610-01 also accepted (overrides earlier \"not stated\")", "quote": "Log in to tell us who should receive them ... sign in, go to Account, click on ... Add a beneficiary to your account today.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "1", "source_url": "https://www.empower.com/client/ducks/resources/docs/Beneficiary-Flyer.pdf", "form_number": "RO4576790-0625", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "wet signature required on the paper form (participant, spouse, notary, plan administrator); online designation is separate", "quote": "A handwritten signature is required on this form. An electronic signature will not be accepted and will result in a significant delay.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail; express mail (no hand delivery)", "quote": "Uploaded Electronically: ... Login to account at ... Click on Upload Documents to submit ... Sent Regular Mail to: ... Sent Express Mail to: ... We will not accept hand delivered forms at Express Mail addresses.", "account_type": "401(k) (former MassMutual plans, Empower form)", "page": "3", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill", "institution": "Merrill Lynch (Merrill Lynch Wealth Management and Merrill Edge)", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Retirement Selector Account 403(b)(7) ... You may name one or more individuals and/or entities to be the ... primary or contingent beneficiary(ies) of your account, including ... your estate, trust or other entity.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "primary or contingent beneficiary(ies) of your account, including", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "exact name and TIN; date if available", "quote": "other entities, please provide the exact name or title of the entity, ... tax identification number and the date of inception, if available.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "no", "detail": "trust date only if available; no trustee name", "quote": "tax identification number and the date of inception, if available.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "told not to send", "quote": "Please do not submit copies of your will or trust document. If an", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "You may choose only ... \"per stirpes\" or \"per capita,\" but not both, for beneficiaries", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants take the deceased beneficiary's share", "quote": "Per Stirpes is a method of dividing an account where surviving ... descendants of a deceased beneficiary effectively take the", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "A Per Capita division of property is an equal division among", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"as per will\" and \"as per trust\" invalid", "quote": "beneficiary(ies) in a timely manner. Designations that include ... \"as per will\" or \"as per trust\" will be considered invalid.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "attached customized designation, reviewed", "quote": "considered a \"customized beneficiary designation.\" Please note: ... All customized beneficiary designations must be reviewed for", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "reviewed for administrative compatibility", "quote": "All customized beneficiary designations must be reviewed for ... compatibility with Merrill's administrative and operational", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (form; plan document not saved)", "quote": "I understand that if no designated beneficiary survives me, or if no beneficiary designation is in effect at my death, the account ... balance(s) will be paid to my spouse, or if I am not survived by a spouse, to my estate.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries, then contingents", "quote": "the payment percentages indicated. If a primary beneficiary ... predeceases you, his/her share will be distributed to the ... remaining primary beneficiary(ies) in proportion to the payment", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married participant naming anyone other than the spouse", "quote": "4: To be Completed ONLY for BASIC and Retirement Selector Accounts ... If you are married, your spouse must sign and date this section if you designate someone other than your spouse as beneficiary.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "plan administrator or notary certifies; California consents use a California notary block; employer certifies if consent is unavailable", "quote": "The plan administrator or a notary public must sign to certify your spouse's signature. ... Spousal Consent to Alternate Beneficiary Designation - State of California ... (Must be completed by notaries licensed in the State of California)", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online for Merrill Edge accounts", "quote": "For faster service, this form can be completed electronically ... by signing into your account on merrilledge.com.", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; fax; mail", "quote": "Please complete this form and fax to 866.994.7807 or mail to:", "account_type": "Retirement Selector Account 403(b)(7) (Merrill Edge Beneficiary Designation Form 1217-EDGE)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill-workplace", "institution": "Merrill Lynch / Bank of America Retirement Plan Services", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "Merrill-recordkept 401(k) and 403(b) plans" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts named by trustee", "quote": "TRUST WITH INDIVIDUAL TRUSTEES RICHARD DOE AND JOHN SMITH, TRUSTEES, OR A SUCCESSOR IN TRUST UNDER (TRUST NAME) ESTABLISHED (DATE OF TRUST AGREEMENT).", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee names, trust name, agreement date", "quote": "TRUSTEES, OR A SUCCESSOR IN TRUST UNDER (TRUST NAME) ESTABLISHED (DATE OF TRUST AGREEMENT)", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "standard wording names the trustees, \"or successor in trust\", the trust name and the trust agreement date", "quote": "RICHARD DOE AND JOHN SMITH, TRUSTEES, OR A SUCCESSOR IN TRUST UNDER (TRUST NAME) ESTABLISHED (DATE OF TRUST AGREEMENT)", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "\"[trustees], trustees, or a successor in trust under [trust name] established [date]\"", "quote": "TRUST WITH INDIVIDUAL TRUSTEES RICHARD DOE AND JOHN SMITH, TRUSTEES, OR A SUCCESSOR IN TRUST UNDER (TRUST NAME) ESTABLISHED (DATE OF TRUST AGREEMENT). TRUST WITH CORPORATE TRUSTEES ABC BANK & TRUST COMPANY, DES MOINES, IOWA. TRUSTEE OR SUCCESSOR IN TRUST UNDER (TRUST NAME) ESTABLISHED (DATE OF TRUST AGREEMENT).", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"my estate\"", "quote": "INSURED'S ESTATE MY ESTATE", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse takes 100% unless consent given; with no designation the plan sponsor identifies the beneficiary under applicable law", "quote": "If I am married at the time of my death, my spouse will be considered my 100% beneficiary (regardless of any other designation I make) ... If you fail to designate a beneficiary, the Plan Sponsor will identify your beneficiary in accordance with the applicable law.", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "2", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse not sole primary", "quote": "4. Spousal Consent and Witness (Only complete this section if your spouse is not named as your sole primary beneficiary)", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "3", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary or plan representative; an unmarried certification needs a court order if legally separated or abandoned", "quote": "Your spouse's signature must be witnessed by a Notary Public or a Plan Representative. ... Note: A court order must be attached if you are legally separated or legally abandoned", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; additional beneficiaries on an attached list", "quote": "(You may list additional primary beneficiaries on a separate attachment.) ... ATTACH A SEPARATE LIST IF YOU HAVE ADDITIONAL PRIMARY/CONTINGENT BENEFICIARIES", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "2", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail the original form to Merrill, Pennington NJ", "quote": "After you complete this form, make a copy for your records, then forward the original to: Merrill Retirement & Benefit Plan Services, 1400 American Blvd., Mail-Stop NJ2-140-03-50", "account_type": "Merrill-recordkept 401(k) and 403(b) plans", "page": "1", "source_url": "https://atg.benefits.ml.bac-assets.com/CDN/ATGDocs/Production/contentRepository/BOL0056290/606300BENv20.pdf", "form_number": "606300ben v20", "revision_date": "07/30/20", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-metlife", "institution": "MetLife (Metropolitan Life Insurance Company)", "segment": "insurer", "account_group": "employer_plan", "account_types": [ "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be primary (403(b) form 403B-BENECHANGE 11/24)", "quote": "NOTE: If a Trust is designated as a Primary or Contingent a copy of the trust must be submitted.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be contingent", "quote": "NOTE: If a Trust is designated as a Primary or Contingent a copy of the trust must be submitted.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust with the designation", "quote": "NOTE: If a Trust is designated as a Primary or Contingent a copy of the trust must be submitted.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole percentages only", "quote": "Please use whole percentages ONLY.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then participant's estate", "quote": "If any portion of my death benefit is not disposed of by a designation of beneficiary, for any reason whatsoever, it will be paid to my spouse if my spouse survives me, otherwise to my estate in a lump sum.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "1", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without percentages, survivors share equally; any portion not disposed of by the designation goes to the spouse, else the estate", "quote": "Payments to contingent beneficiary(ies) will only be made if no primary beneficiary(ies) survives me. ... If no designated percentage is indicated, benefits will be paid to each surviving beneficiary in equal shares. ... If any portion of my death benefit is not disposed of by a designation of beneficiary, for any reason whatsoever, it will be paid to my spouse", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "1", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "ERISA 403(b), spouse must consent to a non-spouse beneficiary", "quote": "If your 403(b) plan is subject to ERISA please complete the appropriate section below. ... If you are married and designate a beneficiary(ies) other than your spouse for your death benefit, such designation will not be effective unless your spouse indicates agreement with the designation by signing the Spousal Consent below.", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "3", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a notary or plan representative; consent lapses at spouse's age 35 or separation from service; affidavit if spouse cannot be found or legally separated", "quote": "Notarization of Spouse's Signature ... Plan Representative Witness ... if my spouse is currently under 35 years of age, this beneficiary designation becomes ineffective on (a) the first day of the plan year in which he/she reaches age 35 ... this form must be accompanied by an affidavit completed by the participant and approved by the Plan Administrator", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "4", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (PO Box 10356, Des Moines IA); overnight mail; fax; email", "quote": "SECTION 4: How to submit Mail this form to: Overnight mail only: Fax to: Email: ... requests@metlife.com", "account_type": "MetLife annuity purchased through an employer (incl. ERISA and non-ERISA 403(b) annuities)", "page": "5", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/354.pdf", "form_number": "403B-BENECHANGE", "revision_date": "2024-11", "wayback_capture": "2025-05-28", "retrieved": "2026-09-24" } } }, { "inst_id": "missionsquare", "institution": "MissionSquare Retirement (formerly ICMA-RC)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "457(b), 401(a), 401(k) and 403(b) plans" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust relationship box", "quote": "Non-Spouse Trust* SOCIAL SECURITY NUMBER", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "Trust relationship box on contingent lines", "quote": "BENEFICIARY TYPE: Primary Contingent RELATIONSHIP: CHECK ONE Spouse Non-Spouse Trust* Charity", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "entire trust document, tied to RMD designated-beneficiary treatment", "quote": "You must submit a copy of your entire trust document if you desire the beneficiaries of the trust to be treated as designated beneficiaries for the purpose of determining Required Minimum Distributions.", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "full trust to get look-through treatment", "quote": "You must submit a copy of your entire trust document if you desire the beneficiaries of the trust to be treated as designated beneficiaries for the purpose of determining Required Minimum Distributions.", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "one type and one relationship per beneficiary or the designation may be invalid", "quote": "Failure to do so may result in your designation being invalid.", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (50%); ERISA-type plans (100%)", "quote": "A participant living in a community ... the primary beneficiary for at least 50% of the account, unless the spouse waives his/her right by consenting to an alternative beneficiary designation", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "4", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary for 457(b); notary or plan representative for 401/403(b)", "quote": "For 457(b) deferred compensation plans, a Notary Public is required to witness the spouse signature for the above spousal consent to be valid in a ... For 401 defined contribution plans and 403(b) retirement plans, the above spousal consent must be witnessed by either an authorized employer plan representative or a Notary Public.", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "4", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines; attached sheet allowed", "quote": "Additional beneficiary information on attached sheet", "account_type": "457(b), 401(a), 401(k) and 403(b) plans", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "mutual-of-america", "institution": "Mutual of America Life Insurance Company", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "separate Form 6475 for trusts", "quote": "DESIGNATION OF TRUST AS BENEFICIARY ... You may only designate a trust as your beneficiary contingent on our ability to begin to pay the trust within one year", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust as secondary, with an optional tertiary", "quote": "Secondary beneficiary (designate a primary beneficiary; you may also designate a tertiary beneficiary to be paid if the Trust cannot be paid).", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust type and date, TIN (or not yet obtained), trustee or successor trustee name and address", "quote": "Type and date of Trust (check one and complete) ... Tax Identification Number (TIN) of the Trust ... Print here the FULL NAME AND ADDRESS OF THE TRUSTEE OR SUCCESSOR TRUSTEE to be contacted upon your death concerning benefits", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date (or will date for a testamentary trust) and trustee name required", "quote": "My (Testamentary) Trust. Created under my Will dated ... The Living Trust of ... Print here the FULL NAME AND ADDRESS OF THE TRUSTEE OR SUCCESSOR TRUSTEE", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "Estate relationship box", "quote": "Relationship: Spouse Child Parent Estate Other", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, children, parents, siblings, then estate", "quote": "If there is no living designated beneficiary at your death, the amount payable will be paid to the first surviving class of the following: (a) your surviving spouse (as determined under state law), (b) your surviving children in equal shares, (c) your surviving parents in equal shares, (d) your surviving brothers and sisters in equal shares, or (e) the executors or administrators of your estate.", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "share goes to surviving primaries, then secondaries; a trust designation is void if the trust cannot be paid within one year of notice of death", "quote": "the death benefit will be paid in equal shares to the primary beneficiaries who survive you, or if none, to the secondary beneficiaries who survive you ... If the trust you designate cannot begin to receive payments within one year of the date that we receive notice of your death, you are authorizing us to treat your designation of the trust as void.", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "ERISA plans, spouse sole beneficiary unless waiver", "quote": "If your plan description indicates that your plan is subject to the spousal consent rules of ERISA and you are married, you must name your Eligible Spouse (as defined in the Plan and federal law) as your only beneficiary unless your Eligible Spouse signs the Spouse's Waiver of Death Benefits below", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary or plan representative, after the designation; new waiver for every change; pre-35 waivers terminate at 35", "quote": "in the presence of a Plan (employer) representative or a notary public after you designate the beneficiaries you wish below. Whenever you want to change your beneficiaries, your Eligible Spouse must sign a new waiver unless you name your Eligible Spouse as your only beneficiary. If you are younger than 35 when you name alternative beneficiaries", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 lines; attached pages allowed", "quote": "If you wish to designate more beneficiaries, attach a page providing all information for each", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "trust designations only on paper Form 6475; other online options not stated", "quote": "If you are designating a Trust, you must use Mutual of America ... To Employer using Hotline Plus: Do NOT process designations on this form through Hotline Plus.", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to the local service representative or regional office", "quote": "Send this form to your local service representative. ... Send the completed, signed form to Mutual of America at the following", "account_type": "Mutual of America group retirement plans (401(k), TDA/403(b), 457, DC pension)", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "nationwide-401k", "institution": "Nationwide Retirement Plans", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes; lines take an individual or organization name (PNF-0437AO)", "quote": "If you are naming a Trust as beneficiary, you must submit the first and last pages of the Trust Document with this form.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://www.cosumnescsd.gov/DocumentCenter/View/22334/Nationwide-Beneficiary-Form-PDF", "form_number": "", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "trust instruction applies to any beneficiary; contingent lines also take an individual or organization name (PNF-0437AO)", "quote": "If you are naming a Trust as beneficiary, you must submit the first and last pages of the Trust Document with this form. ... 4. Contingent Beneficiary Information", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://www.cosumnescsd.gov/DocumentCenter/View/22334/Nationwide-Beneficiary-Form-PDF", "form_number": "", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "name, address and SSN/TIN for each beneficiary incl. an organization; no trust date or trustee field", "quote": "Individual/Organization Name ... SSN/TIN", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://www.cosumnescsd.gov/DocumentCenter/View/22334/Nationwide-Beneficiary-Form-PDF", "form_number": "", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "\"(trustee), as Trustee under Trust Agreement with (grantor) dated (date)\"", "quote": "First National Bank of Canton, Ohio, as Trustee under Trust Agreement with Robert E. Nation dated January 1, 2002.", "account_type": "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)", "page": "2", "source_url": "https://www.nrsforu.com/iApp/rsc/nrsforu/formsAndLiterature.x?documentId=NRI-0369AO", "form_number": "DC-770", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_docs_requested": { "value": "yes", "detail": "first and last pages of the trust document, with the form", "quote": "If you are naming a Trust as beneficiary, you must submit the first and last pages of the Trust Document with this form.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://www.cosumnescsd.gov/DocumentCenter/View/22334/Nationwide-Beneficiary-Form-PDF", "form_number": "", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "subtrust_naming_format": { "value": "yes", "detail": "trustee designation wording only; nothing on sub-trusts or separate shares", "quote": "as Trustee under Trust Agreement with Robert E. Nation dated January 1, 2002.", "account_type": "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)", "page": "2", "source_url": "https://www.nrsforu.com/iApp/rsc/nrsforu/formsAndLiterature.x?documentId=NRI-0369AO", "form_number": "DC-770", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named; \"my children\" refused", "quote": "Generic beneficiary designations will not be accepted. Examples of generic designations include: ... My children.", "account_type": "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)", "page": "2", "source_url": "https://www.nrsforu.com/iApp/rsc/nrsforu/formsAndLiterature.x?documentId=NRI-0369AO", "form_number": "DC-770", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "banned_language": { "value": "yes", "detail": "generic class designations and \"as designated in my will\" refused", "quote": "Generic beneficiary designations will not be accepted. Examples of generic designations include: ... My children. ... Children of this marriage or any past marriage. ... As designated in my will.", "account_type": "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)", "page": "2", "source_url": "https://www.nrsforu.com/iApp/rsc/nrsforu/formsAndLiterature.x?documentId=NRI-0369AO", "form_number": "DC-770", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Primary: My Estate", "account_type": "Public-sector 457(b), 401(a), 401(k) and 403(b) plans administered by Nationwide Retirement Solutions (form DC-770)", "page": "2", "source_url": "https://www.nrsforu.com/iApp/rsc/nrsforu/formsAndLiterature.x?documentId=NRI-0369AO", "form_number": "DC-770", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "contingents take if primaries predecease or the designation is revoked by law or the plan document; lapse among co-primaries not stated", "quote": "In the event that your primary beneficiaries predecease you, or is otherwise revoked by law or the plan document, your vested account balance will be divided among your contingent beneficiaries in the percentages specified below.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://www.cosumnescsd.gov/DocumentCenter/View/22334/Nationwide-Beneficiary-Form-PDF", "form_number": "", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "yes, required if spouse gets less than 100%; witnessed by plan sponsor or notary", "quote": "Spousal Consent (required if you're married and designate less than 100% to your spouse) If married, your spouse must sign, acknowledging the Disclosure Statement below. Additionally, your spouse's signature must be witnessed by the Plan Sponsor or a Notary.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/PNF-0758AO.pdf", "form_number": "PNF-0758AO.1", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, required if spouse gets less than 100%; witnessed by plan sponsor or notary", "quote": "Spousal Consent (required if you're married and designate less than 100% to your spouse) If married, your spouse must sign, acknowledging the Disclosure Statement below. Additionally, your spouse's signature must be witnessed by the Plan Sponsor or a Notary.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/PNF-0758AO.pdf", "form_number": "PNF-0758AO.1", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attach a page for more", "quote": "If you want to designate more than 2 of each type of beneficiary, you may attach a page with the additional beneficiary information.", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/PNF-0758AO.pdf", "form_number": "PNF-0758AO.1", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; email (PNF-0758AO); generic PNF-0437AO is returned to the employer's HR representative", "quote": "By Mail: Nationwide Retirement Plans ... By Fax: 877-677-4329 ... By Email: rpublic@nationwide.com ... Return form to: YOUR HUMAN RESOURCES REPRESENTATIVE", "account_type": "401(k) employer plan (plan-specific example: Sea Island 401k Savings Plan)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/PNF-0758AO.pdf", "form_number": "PNF-0758AO.1", "revision_date": "2022-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-north-carolina", "institution": "North Carolina Retirement Systems (TSERS, LGERS)", "segment": "pension", "account_group": "employer_plan", "account_types": [ "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "participant's estate", "quote": "The estate of the participant shall be the beneficiary if, at the time of the participant's death, the participant has not designated a living beneficiary with the recordkeeper.", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "2", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiary who becomes a participant may name beneficiaries (policy v1.1, 12/1/2022)", "quote": "A participant, including an alternate payee or beneficiary who becomes a participant, may designate or change one or more beneficiaries. ... A beneficiary can name a beneficiary", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "1", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares to surviving primaries (contingents likewise); a beneficiary who survives but dies before filing a claim is paid through his or her estate", "quote": "If a primary beneficiary pre-deceases the participant, then the beneficiary's share of the participant's benefit will be paid in equal shares to any remaining primary beneficiaries. ... If a contingent beneficiary pre-deceases the participant, then the beneficiary's share of", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "1", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online or by telephone through the recordkeeper", "quote": "a participant must use the process and complete the form (which may be online or by telephone) that are provided by the Department or the recordkeeper", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "1", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "paper forms only; online and telephone designations need no notary", "quote": "Paper forms must be notarized and must be received by the recordkeeper within 90 days of the participant's signature.", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "1", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; telephone; paper form to the recordkeeper", "quote": "complete the form (which may be online or by telephone) that are provided by the Department or the recordkeeper. Paper forms must be notarized and must be received by the recordkeeper", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "1", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "waiver allowed for any beneficiary except an estate; no form or deadline stated", "quote": "A beneficiary other than an estate may waive the right to receive a benefit payable under a plan.", "account_type": "NC 401(k) and NC 457 Supplemental Retirement Plans (Empower recordkeeper; Board policy)", "page": "2", "source_url": "https://www.myncretirement.com/documents/files/governance/boarddocs/srp-policy-participation-and-beneficiaries/download?attachment", "form_number": "", "revision_date": "2024-08-22", "wayback_capture": "2024-11-04", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-ohio-pers", "institution": "Ohio Public Employees Retirement System (OPERS)", "segment": "pension", "account_group": "employer_plan", "account_types": [ "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "OPERS Additional Annuity account (voluntary contributions; form A-3AA)", "OPERS Member-Directed Plan retiree's guaranteed account remaining balance (form GA-3MD)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be primary; a trust receives a lump-sum refund unless qualified children are eligible for monthly benefits", "quote": "If you wish to designate a person, persons, trust, estate, or an institution as your beneficiary, you must complete Step 4 ... If you designate a trust, estate, institution or multiple", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be contingent", "quote": "Contingent Beneficiary, Estate, Trust or Institution Name", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and trust creation date; SSN \"if applicable\"", "quote": "Birth Date or Trust Creation Date", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and creation date; no trustee name asked", "quote": "Primary Beneficiary, Estate, Trust or Institution Name ... Birth Date or Trust Creation Date", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust agreement with the designation", "quote": "If you choose to designate a trust as a beneficiary, please include a copy of the trust agreement.", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate by specific designation; estate is also last in Automatic Succession", "quote": "If you wish to designate a person, persons, trust, estate, or an institution as your beneficiary", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "automatic succession absent a valid specific designation; vested balance refunded to the member's beneficiaries", "quote": "If, after one of these events occurs, a new designation is not submitted to us, the beneficiary will be determined by automatic succession.", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "4", "source_url": "https://www.opers.org/pubs-archive/leaflets/ISL-G-Survivor-Benefits.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-02-23", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lump sum of vested balance; equal shares unless percentages; contingents only if all primaries predecease", "quote": "You may designate multiple (joint) beneficiaries to share a refund of the vested portion of your individual account. Joint beneficiaries will share equally unless you designate specific percentages. ... Contingent beneficiary(ies) - applies only in the event of death of ALL primary beneficiary(ies).", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, divorce (also marriage, legal separation, birth or adoption, refund) voids the whole specific designation; automatic succession then applies", "quote": "any of the following life events makes the specific designation invalid: marriage, divorce, dissolution of marriage, legal separation, the birth or adoption of a child, or refunding your OPERS account(s). ... If, after one of these events occurs, a new designation is not submitted to us, the beneficiary will be determined by automatic succession.", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; extra signed and witnessed pages allowed", "quote": "If you wish to list additional beneficiaries, use a separate piece of paper. Include all of the information requested for each beneficiary. Any additional pages must be signed by you and witnessed by the two adult witnesses", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online or paper A-3U", "quote": "You can designate a beneficiary online through OPERS Online Account Access.", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail", "quote": "You can designate a beneficiary online through OPERS Online Account Access. ... downloading and completing the Designation of Beneficiary form and mailing it to OPERS", "account_type": "OPERS Member-Directed Plan (defined contribution; universal A-3U designation)", "page": "4", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" } } }, { "inst_id": "paychex-401k", "institution": "Paychex Retirement Services", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan (Paychex prototype plan)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "not on form (\"person(s)\"); plan document and death-claim form allow trusts", "quote": "Accordingly, the following individuals or revocable trusts are beneficiaries of the participant's retirement plan benefits. Beneficiary Name (or Trust Name) Beneficiary SSN (or Trust EIN)", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "1", "source_url": "https://download.paychex.com/pas_pbs/formfiles/rs0084.pdf", "form_number": "RS0084", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "The benefit will be paid to my Primary Beneficiaries if living. In the event that my Primary Beneficiaries are not living, benefits will be paid to my Secondary Beneficiary.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "1", "source_url": "https://download.paychex.com/pas_pbs/formfiles/rs0016.pdf", "form_number": "RS0016", "revision_date": "2011-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes under plan document; paid to guardian or UTMA/UGMA custodian", "quote": "If the Beneficiary is a minor, distribution will be deemed to have been made to such Beneficiary if the portion of the Participant's Individual Account to which the Beneficiary is entitled is paid to their legal guardian or, if applicable, to their custodian under the Uniform Gifts to Minors Act or the Uniform Transfers to Minors Act.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "60", "source_url": "https://download.paychex.com/pas_pbs/formfiles/160338.pdf", "form_number": "", "revision_date": "2018-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "such deceased Participant's Individual Account will be payable to any surviving Beneficiary designated by the Participant, or, if no Beneficiary survives the Participant, to the Participant's Spouse, or, where no Spouse exists, to the Participant's estate.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "60", "source_url": "https://download.paychex.com/pas_pbs/formfiles/160338.pdf", "form_number": "", "revision_date": "2018-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, married participant's sole primary is spouse unless notarized \"Spousal Waiver\"", "quote": "I understand that if I am married I may only have one Primary Beneficiary which is my spouse. However, I understand I may select a Primary Beneficiary other than my spouse if my spouse signs the section below entitled \"Spousal Waiver.\" ... The signature of the spouse must be witnessed by a notary public.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "1", "source_url": "https://download.paychex.com/pas_pbs/formfiles/rs0016.pdf", "form_number": "RS0016", "revision_date": "2011-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, married participant's sole primary is spouse unless notarized \"Spousal Waiver\"", "quote": "I understand that if I am married I may only have one Primary Beneficiary which is my spouse. However, I understand I may select a Primary Beneficiary other than my spouse if my spouse signs the section below entitled \"Spousal Waiver.\" ... The signature of the spouse must be witnessed by a notary public.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "1", "source_url": "https://download.paychex.com/pas_pbs/formfiles/rs0016.pdf", "form_number": "RS0016", "revision_date": "2011-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "delivered to the employer (plan administrator), which keeps it; not sent to Paychex", "quote": "will be effective only upon delivery to the Plan Administrator ... Note: Return this completed form to your employer. Employers should keep all beneficiary forms on file.", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "1", "source_url": "https://download.paychex.com/pas_pbs/formfiles/rs0016.pdf", "form_number": "RS0016", "revision_date": "2011-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written notice to the plan administrator under IRC 2518(b)", "quote": "A Beneficiary may disclaim their portion of a Participant's Individual Account by providing the Plan Administrator written notification pursuant to Code section 2518(b).", "account_type": "401(k) employer plan (Paychex prototype plan)", "page": "60", "source_url": "https://download.paychex.com/pas_pbs/formfiles/160338.pdf", "form_number": "", "revision_date": "2018-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "principal-401k", "institution": "Principal Financial Group", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k)/403(b) employer plan" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, by attached signed list", "quote": "If you need more space to name beneficiaries or name a Trust, Testamentary Trust, or minor children (custodian for minors), please attach a separate list that you have signed and dated.", "account_type": "401(k)/403(b) employer plan", "page": "2", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee or successor, trust name, date of trust agreement", "quote": "Trustee or successor in trust under (trust name) established (date of trust agreement)", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "prescribed wording, trustee or successor in trust, trust name, date of trust agreement", "quote": "Trustee or successor in trust under (trust name) ... established (date of trust agreement)", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no checkbox; sample custom wording passes a deceased child's share to that child's children", "quote": "If any of my children predecease me, the surviving children of any such child shall receive in the share their parent would have received, if living. If no child of a deceased child survives, the share of that child of mine shall go to the survivor or survivors of my children, equally.", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "sample wording names the children individually and gives a predeceased child's share to \"the surviving children of any such child\" as a class (attached list)", "quote": "If any of my children predecease me, the surviving children of any such child shall receive in the share their parent would", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, signed and dated attached list, with sample custom wording", "quote": "please attach a separate list that you have signed and dated. The following examples may be helpful to you.", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes with UTMA custodian wording on attached list", "quote": "However, if any proceeds become payable to the beneficiary who is a minor as defined by the Iowa Uniform Transfers to Minors Act (UTMA), such proceeds shall be paid to Frank Doe as custodian for John Doe under the Iowa UTMA", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Estate My Estate", "account_type": "401(k)/403(b) employer plan", "page": "3", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the survivors equally unless otherwise provided; 2024 edition adds that a beneficiary dying after the participant but before allocation is handled per the plan document", "quote": "Unless otherwise provided, if two or more beneficiaries are named, the proceeds shall be paid to the named beneficiaries, or to the survivor or survivors, in equal shares. ... Unless otherwise indicated below, if one of your beneficiaries predeceases you, their portion will be split equally to the remaining beneficiaries. If a beneficiary dies shortly after you, but before allocation of the death benefit, their portion will be allocated based on the plan document.", "account_type": "401(k)/403(b) employer plan", "page": "2", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, QPSA consent witnessed by plan representative or notary if spouse not sole primary; age 35 re-consent; single participant's designation void one year after marriage", "quote": "If you are married and do not name your spouse as the sole primary beneficiary, your spouse must sign the consent below. The signature must be witnessed by a plan representative or notary public. If you are younger than age 35, your spouse must again consent to this in writing at the start of the plan year in which you reach age 35 ... I understand if I marry, this designation is void one year after my marriage (some plans specify a shorter period).", "account_type": "401(k)/403(b) employer plan", "page": "1", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "plan representative or notary witness; age 35 re-consent (QPSA edition); spouse-cannot-be-located certification witnessed by the plan representative; optional box limits consent to the named beneficiary", "quote": "The signature must be witnessed by a plan representative or notary public. If you are younger than age 35, your spouse must again consent to this in writing at the start of the plan year in which you reach age 35 ... If your spouse cannot be located, check this box and have it witnessed by the plan representative. It must be established to the satisfaction of the plan representative that your spouse cannot be located.", "account_type": "401(k)/403(b) employer plan", "page": "1", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attach a signed and dated list for more", "quote": "You may name one or more primary and/or contingent beneficiaries. If you need more space to name beneficiaries or name a Trust, Testamentary Trust, or minor children (custodian for minors), please attach a separate list that you have signed and dated.", "account_type": "401(k)/403(b) employer plan", "page": "2", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes", "quote": "You may designate your beneficiary either online at principal.com or by completing the below form.", "account_type": "401(k)/403(b) employer plan", "page": "1", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; fax; mail; the 2009 edition is returned to the plan sponsor", "quote": "You may designate your beneficiary either online at principal.com or by completing the below form. ... Return the beneficiary form to Principal Financial Group by fax ... Return the original to your plan sponsor.", "account_type": "401(k)/403(b) employer plan", "page": "1", "source_url": "https://www.odu.edu/sites/default/files/2024/documents/Principal-Beneficiary-Form.pdf", "form_number": "CTD01304", "revision_date": "07.18.2017", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "provident-trust", "institution": "Provident Trust Group", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "Individual (solo) 401(k)" ], "florida": false, "fields": { "spousal_consent": { "value": "yes", "detail": "consent where applicable, on the main plan designation form (not saved)", "quote": "any applicable spousal consent is provided on the attached form", "account_type": "Individual (solo) 401(k)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Addendum-Solok.pdf", "form_number": "", "revision_date": "2022-12", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 lines per addendum; additional addendums allowed", "quote": "to name more beneficiaries than can be accommodated on these forms. Complete additional addendums if necessary.", "account_type": "Individual (solo) 401(k)", "page": "1", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Addendum-Solok.pdf", "form_number": "", "revision_date": "2022-12", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; email; fax", "quote": "When ready, mail, email, or fax this completed form", "account_type": "Individual (solo) 401(k)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Forms-Beneficiary-Designation-Addendum-Solok.pdf", "form_number": "", "revision_date": "2022-12", "wayback_capture": "2024-06-30", "retrieved": "2026-09-24" } } }, { "inst_id": "empower-prudential", "institution": "Prudential Retirement (legacy; now Empower)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) (former Prudential plans, Empower form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Relationship ... My Estate A Trust Other ... Example 2: Trust as Beneficiary ... Trust of Jane Doe XX-XXXXXXX 06/30/2015", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary Name (Name of Individual, Trust, Charity, etc.)", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN, trust date", "quote": "Social Security or Taxpayer Identification Number ... Date of Birth or Trust Date", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, trust date and TIN on the form; trustee name not asked", "quote": "Primary Beneficiary Name (Name of Individual, Trust, Charity, etc.) ... Date of Birth or Trust Date ... Trust of Jane Doe", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; additional documentation may be required at death claim for estate or trustee beneficiaries (sponsor service overview)", "quote": "NOTE: Additional documentation may be required certify different types of beneficiaries such as estate or trustee.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "2", "source_url": "https://www.empower.com/psc/plan-resources/resources/docs/Death-Claim-Processing.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "My Estate ... Example 3: Estate as Beneficiary", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "5", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per the plan document's default hierarchy or applicable law", "quote": "If I fail to designate beneficiaries, amounts will be paid pursuant to the terms of the Plan or applicable law. ... If a participant did not designate a beneficiary or all designated beneficiaries predecease the participant, assets may be distributed to claimants according to the plan document's default hierarchy or payout order.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share goes to surviving beneficiaries of the same class (no per stirpes)", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries. ... If a contingent beneficiary predeceases me, his or her benefit will be allocated to the surviving contingent beneficiaries.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, spouse must be 100% primary unless notarized consent (profit-sharing exception plan); consent valid 180 days; handwritten only", "quote": "If I am married, my Plan requires my spouse to be named as primary beneficiary for 100% of my account balance, or my spouse must consent to my beneficiary designation. ... The spouse's signature must be notarized by a Notary Public. ... Consent must be obtained no more than 180 days prior to the effective date of the original request in order to be effective.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; attach additional sheet for more", "quote": "B Beneficiary Designation (Attach an additional sheet to name additional beneficiaries.) ... Participants may designate multiple beneficiaries.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes, online at empowermyretirement.com (Account, Overview, Beneficiaries); paper form 781610-01 also accepted (overrides earlier \"not stated\")", "quote": "Log in to tell us who should receive them ... sign in, go to Account, click on ... Add a beneficiary to your account today.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "1", "source_url": "https://www.empower.com/client/ducks/resources/docs/Beneficiary-Flyer.pdf", "form_number": "RO4576790-0625", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "wet signature required on the paper form (participant, spouse, notary, plan administrator); online designation is separate", "quote": "A handwritten signature is required on this form. An electronic signature will not be accepted and will result in a significant delay.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "2", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail; express mail (no hand delivery)", "quote": "Uploaded Electronically: ... Login to account at ... Click on Upload Documents to submit ... Sent Regular Mail to: ... Sent Express Mail to: ... We will not accept hand delivered forms at Express Mail addresses.", "account_type": "401(k) (former Prudential plans, Empower form)", "page": "3", "source_url": "https://ua344.org/wp-content/uploads/2026/07/EMPOWER-Beneficiary-form-2026.pdf", "form_number": "GU35", "revision_date": "2020-12-31", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-schoolsfirst", "institution": "SchoolsFirst Federal Credit Union", "segment": "credit_union", "account_group": "employer_plan", "account_types": [ "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "SchoolsFirst Retirement Plans 403(b), 401(a) and 457(b) (Nationwide Retirement Solutions form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named (form of Nationwide Retirement Solutions, plan administrator for SchoolsFirstRP.com)", "quote": "If your beneficiary is a trust, please include the Title page and signature page of the trust document.", "account_type": "SchoolsFirst Retirement Plans 403(b), 401(a) and 457(b) (Nationwide Retirement Solutions form)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/NRF-1164CA-SF.pdf", "form_number": "", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at designation, title page and signature page of the trust", "quote": "If your beneficiary is a trust, please include the Title page and signature page of the trust document.", "account_type": "SchoolsFirst Retirement Plans 403(b), 401(a) and 457(b) (Nationwide Retirement Solutions form)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/NRF-1164CA-SF.pdf", "form_number": "", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share goes pro rata to the remaining beneficiaries (heirs excluded); contingents take only if no primary survives", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely ... If no primary beneficiary(ies) survives me, the contingent beneficiary(ies) shall acquire the designated share.", "account_type": "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "page": "2", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/457b-dcp-beneficiary-form.pdf", "form_number": "", "revision_date": "2024-02", "wayback_capture": "2024-07-21", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "a married participant naming anyone other than the spouse needs spousal consent; an unmarried participant's designation becomes void 12 months after a later marriage (governmental 457(b) plan of public school employers)", "quote": "I am MARRIED and designate the following person(s) to receive death benefits from the Plan ... Spousal Consent (This Section is Required for Option 3) ... I understand that if I marry, this designation becomes void 12 months after my marriage.", "account_type": "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "page": "1", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/457b-dcp-beneficiary-form.pdf", "form_number": "", "revision_date": "2024-02", "wayback_capture": "2024-07-21", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates the consent on the form; no notary or plan representative stated", "quote": "I understand that in consenting to this distribution, I will be waiving rights to other distribution benefits ... Spouse's Signature (REQUIRED)", "account_type": "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "page": "2", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/457b-dcp-beneficiary-form.pdf", "form_number": "", "revision_date": "2024-02", "wayback_capture": "2024-07-21", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach extra sheets", "quote": "If additional space for beneficiaries is required, attach additional sheets and mark this box", "account_type": "SchoolsFirst Retirement Plans 403(b), 401(a) and 457(b) (Nationwide Retirement Solutions form)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/NRF-1164CA-SF.pdf", "form_number": "", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "wet signature or DocuSign only", "quote": "Please be advised that a physical signature or DocuSign signature is required. We are unable to accept any other form of electronic signature.", "account_type": "SchoolsFirst Retirement Plans 403(b), 401(a) and 457(b) (Nationwide Retirement Solutions form)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/NRF-1164CA-SF.pdf", "form_number": "", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; in person (any branch); mail", "quote": "Fax completed forms to (714) 258-4185 ... Return to any branch, or mail to:", "account_type": "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "page": "1", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/457b-dcp-beneficiary-form.pdf", "form_number": "", "revision_date": "2024-02", "wayback_capture": "2024-07-21", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "5 business days", "quote": "Please allow 5 business days after submission for your account information to update. ... becomes effective within 5 business days after receipt by SchoolsFirst FCU", "account_type": "SchoolsFirst FCU 457(b) Deferred Compensation Plan (DCP) Share Certificate", "page": "1", "source_url": "https://www.schoolsfirstfcu.org/globalassets/pdf/457b-dcp-beneficiary-form.pdf", "form_number": "", "revision_date": "2024-02", "wayback_capture": "2024-07-21", "retrieved": "2026-09-24" } } }, { "inst_id": "schwab-rps", "institution": "Schwab Retirement Plan Services", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "United Airlines Pilot Retirement Account Plan (PRAP) 401(k), recordkept by SRPS", "William Blair 401(k) and Profit Sharing Plan, recordkept by SRPS" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "plan-specific default, surviving spouse if married, otherwise the participant's estate", "quote": "If you are married at the time of your death, your surviving spouse will be your ... default PRAP beneficiary; if you are unmarried at the time of your death, your estate will be your default", "account_type": "United Airlines Pilot Retirement Account Plan (PRAP) 401(k), recordkept by SRPS", "page": "3", "source_url": "https://content.schwab.com/web/united/ELC107247UAL-00.pdf", "form_number": "CC6568428", "revision_date": "2022-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "plan-specific, married participant needs spouse's consent to name anyone other than the spouse (ERISA 401(k)); consent mechanics not stated in the guide", "quote": "If you are married, you will need your spouse's consent to ... name a person other than your spouse as the beneficiary", "account_type": "William Blair 401(k) and Profit Sharing Plan, recordkept by SRPS", "page": "14", "source_url": "https://content.schwab.com/web/scs/pdf/WMB-Ed-Guide.pdf", "form_number": "CC6258587", "revision_date": "2022-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-ohio-strs", "institution": "State Teachers Retirement System of Ohio (STRS Ohio)", "segment": "pension", "account_group": "employer_plan", "account_types": [ "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "inter vivos (living) trust; the form's lines are for persons but the checklist and signature certification cover a trust", "quote": "If designating a trust, include the name of the trust and the date it was created. The trust must be an inter vivos or living trust.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and date created", "quote": "If designating a trust, include the name of the trust and the date it was created.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; no trustee name asked", "quote": "If I have designated a trust as beneficiary, I confirm it is an inter vivos trust and have included the date it was created.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "per stirpes refused", "quote": "Designate beneficiaries by name. Do not designate \"per stirpes\"", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary by full legal name, joined with \"and\"", "quote": "Designate beneficiaries by name. Do not designate \"per stirpes\" or \"the survivors of ... Provide full names of all beneficiaries designated in Part 2 of the beneficiary form.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no per stirpes, no \"survivors of\", no testamentary trust, no initials or nicknames, no corrections (designation invalid)", "quote": "Designate beneficiaries by name. Do not designate \"per stirpes\" or \"the survivors of ... A testamentary trust cannot be designated as a beneficiary. ... Any corrections or use of correction fluid will invalidate this designation", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "plan document succession, surviving spouse, children equally, parents equally, estate (also after marriage, birth or adoption, divorce, withdrawal)", "quote": "If you have not previously filed a beneficiary designation, the succession of beneficiaries now applies to your account. ... Children, share and share alike ... Parents, share and share alike", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "secondaries only if all primaries predecease; equal shares unless percentages total 100%", "quote": "Applies only in the event of the deaths of all primary beneficiaries. ... all primary beneficiaries will receive an equal share of the benefit", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married member naming a primary other than the spouse", "quote": "If you are married and designate a primary beneficiary other than your spouse, your spouse will be required to sign, and have notarized, a spousal consent form.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "separate spousal consent form requested from STRS Ohio, signed by the spouse before a notary", "quote": "A notarized spousal consent form is required if you are married and you designate a primary beneficiary other than your spouse. Please contact STRS Ohio to request the appropriate spousal consent form.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, divorce (also marriage, birth or adoption, legal separation, withdrawal, plan change) cancels the whole designation; plan succession then applies", "quote": "this designation of beneficiaries will be canceled automatically by marriage; birth or adoption of a child; divorce, dissolution or legal separation; withdrawal or distribution of my account", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; additional sheet allowed", "quote": "To designate more than three primary or three secondary beneficiaries, attach a separate sheet of paper listing the additional", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "Online Personal Account", "quote": "Members may also designate or change beneficiaries through their Online Personal Accounts at www.strsoh.org.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "1", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; paper form returned to STRS Ohio", "quote": "Members may also designate or change beneficiaries through their Online Personal Accounts at www.strsoh.org. ... Return the completed form to STRS Ohio.", "account_type": "STRS Ohio Defined Contribution Plan, pre-retirement beneficiary (form 16-600)", "page": "1", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" } } }, { "inst_id": "trowe-401k", "institution": "T. Rowe Price Retirement Plan Services", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "403(b)(7) custodial account (T. Rowe Price as custodian; example: University of Central Florida 403(b) plan application)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "no box; lapse is proportional \"unless you instruct otherwise\"", "quote": "If a primary beneficiary dies before you, the percentages will be recalculated proportionately among the surviving primary beneficiaries unless you instruct otherwise.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse if married; otherwise not stated", "quote": "If you are married, your entire vested account in the plan will be paid to your surviving spouse after you die, unless you designate someone else", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "\"unless you instruct otherwise\"", "quote": "If a primary beneficiary dies before you, the percentages will be recalculated proportionately among the surviving primary beneficiaries unless you instruct otherwise.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, entire vested account to spouse unless notarized consent; consent limited to named beneficiaries", "quote": "If you are married, your entire vested account in the plan will be paid to your surviving spouse after you die, unless you designate someone else as your primary beneficiary and your spouse consents ... This consent applies only to the beneficiary(ies) designated on this form. My spouse may not change beneficiaries without again getting my consent. ... My signature must be witnessed by a notary public for my consent to be effective.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, entire vested account to spouse unless notarized consent; consent limited to named beneficiaries", "quote": "If you are married, your entire vested account in the plan will be paid to your surviving spouse after you die, unless you designate someone else as your primary beneficiary and your spouse consents ... This consent applies only to the beneficiary(ies) designated on this form. My spouse may not change beneficiaries without again getting my consent. ... My signature must be witnessed by a notary public for my consent to be effective.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines; attach additional forms for more", "quote": "Please attach additional forms if more space is needed.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes", "quote": "Your plan offers you the ability to update your Beneficiary(ies) online by going to rps.troweprice.com.", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (rps.troweprice.com); phone; fax (plan form)", "quote": "Your plan offers you the ability to update your Beneficiary(ies) online by going to rps.troweprice.com ... Fax the completed form to 816-218-0424 ... Scan the QR code to log in to your account or call us to name or update your beneficiary today", "account_type": "401(k) employer plan (plan-specific example: American Ambulance 401(k) Retirement Plan)", "page": "1", "source_url": "https://www.americanambulance.com/portals/1/Wellness/Beneficiary.pdf?ver=2020-11-06-080744-290", "form_number": "201711-298319", "revision_date": "2017-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-bank-of-new-york-mellon", "institution": "The Bank of New York Mellon", "segment": "bank", "account_group": "employer_plan", "account_types": [ "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name and date", "quote": "Beneficiary's Full Name (first, middle, last) or Trust Name ... Date of Birth/Trust (month/day/year)", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line may be primary or contingent", "quote": "PRIMARY OR ... CONTINGENT ... Beneficiary's Full Name (first, middle, last) or Trust Name", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian required; owner cannot be custodian", "quote": "If a beneficiary is a minor, you must designate a custodian and provide the minor's date of birth.", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents only if no primary survives", "quote": "We will transfer ownership of your account to your contingent beneficiaries only if there are no surviving primary beneficiaries upon the notification of the account owner's death.", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married participant, spouse must consent, with a waiver of the pre-retirement survivor annuity (qualified plan survivor rules)", "quote": "If you wish to name a beneficiary other than your spouse, or in addition to your spouse, you must obtain your spouse's written consent on this form and have it witnessed by a notary public.", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/keogh-beneficiary-designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form before a notary", "quote": "If consent is required, your spouse's signature must be notarized below.", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "5", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/keogh-beneficiary-designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "effective when filed with the employer; form mailed to BNY Shareholder Services", "quote": "Your designation of beneficiary(ies) become(s) effective only when filed with your employer's official personnel records. ... Please mail this completed form to", "account_type": "BNY Keogh plan account (fund Keogh; The Bank of New York Mellon directed on distributions)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/keogh-beneficiary-designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tiaa-403b", "institution": "TIAA", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (living or testamentary trust; not \"Will\")", "quote": "A beneficiary can be an individual, an institution, an organization, a trust, or your estate. ... We cannot accept a 'Will' as a designation, but you can designate a Testamentary Trust if we are provided with the 'Will' creation date", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "4. CHOOSING YOUR CONTINGENT BENEFICIARIES ... Date of Birth/Date of Trust/Issue Date of Will", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date of trust (or will date for testamentary trust), TIN", "quote": "Date of Birth/Date of Trust/ Issue Date of Will* (mm/dd/yyyy)", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "date of trust (or will date for a testamentary trust); no trustee name asked", "quote": "Date of Birth/Date of Trust/ Issue Date of Will* (mm/dd/yyyy)", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; TIAA will not review trust terms", "quote": "TIAA will not accept or be obliged to inquire into the terms of any trust affecting the annuity contract/certificate/account or its death benefit and shall not be charged with knowledge of terms thereof.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "12", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "testamentary trust named with the will's date", "quote": "TIAA can only accept a testamentary trust if you give us the create date of the will at the time of the designation. A designation of 'Will' is not acceptable.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "12", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; offers \"Payments made to this deceased beneficiary's children\" (one generation)", "quote": "If you check 'Payments made to this deceased beneficiary's children' and the named beneficiary predeceases you, the monies which would have been paid to that beneficiary will be divided proportionately among his/her children (if any).", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "only the children of a named beneficiary, via the \"Payments made to this deceased beneficiary's children\" box (one generation, no LDPS)", "quote": "Beneficiaries can also be the children of the beneficiaries that you designate on this form.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"Will\" refused; designations only at contract/account level", "quote": "TIAA cannot accept a 'Will' as a designation. ... Plan-based designations are not acceptable.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "3", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, attach signed letter for a trust or \"additional instructions\"", "quote": "Check this box and attach a signed letter to list additional primary and/or contingent beneficiaries, a trust or to provide additional instructions.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "5", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "A beneficiary can be an individual, an institution, an organization, a trust, or your estate.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate unless plan provisions say otherwise", "quote": "If none of the beneficiaries are living at the time of your death, we will pay your Estate, unless the plan provision states otherwise.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary who transfers the inherited assets into his or her name designates own beneficiaries (beneficiary guide; overrides earlier \"not stated\")", "quote": "Complete the forms to accept your inheritance ... Designate your own beneficiaries for the account", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "4", "source_url": "https://www.tiaa.org/public/pdf/t/Taking-the-Next-Step.pdf", "form_number": "A30091", "revision_date": "2025-02", "wayback_capture": "2025-04-14", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "children-of-deceased-beneficiary option; otherwise pro rata lapse", "quote": "If a beneficiary predeceases you ... the proportion of the benefits that would have otherwise been apportioned to such deceased beneficiary shall instead be divided to the other beneficiaries who survive you", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "11", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, ERISA/plan spouse gets 50% to 100% unless waiver witnessed by notary or plan representative; online notarization accepted", "quote": "If you are married at the time of your death, your spouse is entitled to receive at least 50%, up to 100%, of your death benefits under a retirement or tax-deferred annuity plan covered by any of the following: ERISA, your plan's provisions, or state law. ... A Notary Public or Plan Representative must witness your spouse signing and dating his or her consent.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, ERISA/plan spouse gets 50% to 100% unless waiver witnessed by notary or plan representative; online notarization accepted", "quote": "If you are married at the time of your death, your spouse is entitled to receive at least 50%, up to 100%, of your death benefits under a retirement or tax-deferred annuity plan covered by any of the following: ERISA, your plan's provisions, or state law. ... A Notary Public or Plan Representative must witness your spouse signing and dating his or her consent.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed letter for more", "quote": "Check this box and attach a signed letter to list additional primary and/or contingent beneficiaries", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "5", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at TIAA.org; not by phone", "quote": "To update or change your beneficiary designation, please visit us online at TIAA.org/profile ... Once logged in, under the Action tab, choose Add/Edit beneficiaries. ... For your protection, we cannot change your beneficiary information over the phone.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "digital signature; spouse's consent may be notarized online (Notarize.com)", "quote": "or online using TIAA's digital signing experience. ... OPTION 1: Digitally sign and submit your form. If you received a digital form, complete the digital signature process.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "8", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; digital signature; upload (app or tiaa.org/upload); fax; mail; not by phone", "quote": "To update or change your beneficiary designation, please visit us online at TIAA.org/profile ... OPTION 2: Use the TIAA mobile app to quickly upload your completed document(s). ... Go to tiaa.org/upload, select Upload files ... If you prefer to fax or mail your completed documents, use the information provided below.", "account_type": "403(b)/401(k)/401(a) employer plan (TIAA and CREF contracts)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "transamerica-401k", "institution": "Transamerica Retirement Solutions", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k) employer plan" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Type of Beneficiary Designation [ ] Individual [ ] Trust [ ] Estate", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "CONTINGENT BENEFICIARY ... [ ] Trust", "account_type": "401(k) employer plan", "page": "3", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, trust name, date, trustee name, TIN", "quote": "If the named beneficiary is a trust, please specify the name and date of the trust, and the name of the trustee. ... Name of Trust/Estate Trustee/Executor Trust/Estate Tax ID Effective Date", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, trust date and trustee name", "quote": "If the named beneficiary is a trust, please specify the name and date of the trust, and the name of the trustee.", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If you do not indicate shares, benefits will be split equally among surviving beneficiaries.", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "[ ] Estate ... Trustee/Executor", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, full vested balance to spouse unless consent witnessed by plan sponsor or notary; plan sponsor must sign", "quote": "In the case of your death before retirement, the plan will pay your full vested account balance to your surviving spouse. However, you may elect to waive the requirement ... Your spouse must consent in writing to any such waiver. ... WITNESSED Plan Sponsor for Notary Public Signature and Stamp/Seal", "account_type": "401(k) employer plan", "page": "4", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, full vested balance to spouse unless consent witnessed by plan sponsor or notary; plan sponsor must sign", "quote": "In the case of your death before retirement, the plan will pay your full vested account balance to your surviving spouse. However, you may elect to waive the requirement ... Your spouse must consent in writing to any such waiver. ... WITNESSED Plan Sponsor for Notary Public Signature and Stamp/Seal", "account_type": "401(k) employer plan", "page": "4", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent entries; supplemental page for more", "quote": "If additional space is needed to designate multiple beneficiaries, complete the Supplemental Beneficiary Designation page.", "account_type": "401(k) employer plan", "page": "2", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "returned to the plan sponsor (who signs)", "quote": "complete all applicable sections of this form, obtain any required signatures, and return it to your Plan Sponsor.", "account_type": "401(k) employer plan", "page": "1", "source_url": "https://www.benefitproviders.com/wp-content/uploads/2021/Transamerica/Beneficiary%20Form.pdf", "form_number": "2227", "revision_date": "2014-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ubs", "institution": "UBS Financial Services", "segment": "brokerage", "account_group": "employer_plan", "account_types": [ "UBS prototype qualified retirement plan (Ascensus form #481)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "married participant, spouse is primary unless the spouse consents; a later marriage makes the new spouse primary unless a new consented form is filed", "quote": "I understand that my spouse will be my Primary Beneficiary. However, I understand I may designate ... a Primary Beneficiary other than or in addition to my spouse if my spouse consents to my designation.", "account_type": "UBS prototype qualified retirement plan (Ascensus form #481)", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/qualified_beneficiary_designation.pdf", "form_number": "", "revision_date": "2008-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to remaining beneficiaries; heirs of a predeceased beneficiary take nothing", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "UBS prototype qualified retirement plan (Ascensus form #481)", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/qualified_beneficiary_designation.pdf", "form_number": "", "revision_date": "2008-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "consent needed to name a non-spouse primary; QPSA waiver needs spouse consent where the plan is subject to the annuity rules", "quote": "I understand that if I become married in the future, my spouse will be my Primary Beneficiary ... unless I complete a new Designation of Beneficiary form and my spouse consents to my designation.", "account_type": "UBS prototype qualified retirement plan (Ascensus form #481)", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/qualified_beneficiary_designation.pdf", "form_number": "", "revision_date": "2008-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse's signature witnessed by a notary", "quote": "(Must be witnessed. See below.) ... All notaries must complete the information below.", "account_type": "UBS prototype qualified retirement plan (Ascensus form #481)", "page": "1", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/adobe/Designation_of_Beneficiary.pdf", "form_number": "", "revision_date": "2010-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "vanguard-401k", "institution": "Vanguard Institutional (employer plans)", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k)/401(a) employer plan" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, trust under agreement or under will", "quote": "Trust(s) To the trustee of an existing trust created under agreement To the trustee of a trust created under my last will", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries ... Trust(s)", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name and trust date (or section of will); TIN field", "quote": "Full Name (First, Middle, Last), Trust or Charity/Entity Name ... Birth or Trust Date ... Section of Will", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date, or will section for a testamentary trust", "quote": "Full Name (First, Middle, Last), Trust or Charity/Entity Name ... Birth or Trust Date ... Section of Will", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If any of your primary beneficiaries is deceased at the time of your death, his or her portion of your assets will be divided proportionately among your surviving primary beneficiaries, if any.", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "My Estate ... No additional information required", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate (generally; plan document controls)", "quote": "Generally, if you don't designate any beneficiaries, or if all your primary and contingent beneficiaries predecease you, your surviving spouse becomes your beneficiary. If you're not married and haven't named a beneficiary, your money will go to your estate", "account_type": "401(k)/401(a) employer plan", "page": "web page", "source_url": "https://ownyourfuture.vanguard.com/content/en/ekit/google/about-my-plan/beneficiaries.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "USC plan form, lapsed share pro rata to surviving primaries (the Google plan page instead says a predeceased beneficiary's share passes to that beneficiary's own primary beneficiaries; plan-specific)", "quote": "If any of your primary beneficiaries is deceased at the time of your death, his or her portion of your assets will be divided proportionately among your surviving primary beneficiaries, if any.", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, QPSA waiver with notarized spousal consent; age 35 rule", "quote": "You must complete the following if (a) you are married, (b) have accumulated benefits in any portion of your Plan account that are subject to the qualified pre-retirement survivor annuity rules (the Rules) under Section 401(a)(11) ... Your spouse's signature must be witnessed by a Notary Public. ... If you waive the QPSA benefit prior to attaining age 35, you will need to make another waiver after your 35th birthday.", "account_type": "401(k)/401(a) employer plan", "page": "3", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, QPSA waiver with notarized spousal consent; age 35 rule", "quote": "You must complete the following if (a) you are married, (b) have accumulated benefits in any portion of your Plan account that are subject to the qualified pre-retirement survivor annuity rules (the Rules) under Section 401(a)(11) ... Your spouse's signature must be witnessed by a Notary Public. ... If you waive the QPSA benefit prior to attaining age 35, you will need to make another waiver after your 35th birthday.", "account_type": "401(k)/401(a) employer plan", "page": "3", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; photocopy or separate sheet", "quote": "more space to list additional beneficiaries, photocopy the applicable pages or provide all the information requested on a separate sheet.", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes; spousal consent printed at end and notarized", "quote": "If you're married and you decide to name someone other than your spouse as your primary beneficiary, you'll need to complete a 401(k) Spousal Consent Form. You'll be able to print and complete this form at the end of the online process. The form needs to be signed and notarized", "account_type": "401(k)/401(a) employer plan", "page": "web page", "source_url": "https://ownyourfuture.vanguard.com/content/en/ekit/google/about-my-plan/beneficiaries.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; notarized spousal consent printed and mailed", "quote": "If you prefer, you can designate your beneficiaries online at www.vanguard.com. The online process is faster than via mail ... Mail to: Vanguard, P.O. Box 1101, Valley Forge, PA 19482.", "account_type": "401(k)/401(a) employer plan", "page": "1", "source_url": "https://customsitesmedia.usc.edu/wp-content/uploads/sites/110/2018/02/17010916/Vanguard-401a.pdf", "form_number": "XXXXXXXXXXXXXX092675800", "revision_date": "2012-04-24", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "vestwell", "institution": "Vestwell", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "Vestwell-recordkept 401(k)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts allowed", "quote": "Your beneficiary can be a person, a non-profit organization, or a Trust.", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named, but a court-appointed guardian may be needed; the page suggests naming an adult \"FBO\" the children or a trust instead", "quote": "May I designate my children as beneficiaries? Yes, you can, but you may not want to. Minors may not inherit your account directly. ... the account may need to go through probate proceedings with a legal guardian appointed to represent the minor", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "plan document governs", "quote": "your account will be treated as though a form was never completed and distributed according to the plan document and applicable law", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse must consent to a non-spouse primary", "quote": "If you wish to assign anyone other than your spouse as the primary beneficiary, you will be required to provide a Spousal Consent Form.", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notarized; kept by the participant, not filed; lost form = no designation", "quote": "This form must be notarized, stored safely, and presented by the non-spousal beneficiaries at the time of withdrawing the benefits. We recommend giving a copy of this form to the executor of your estate. If the form cannot be located after your death, your account will be treated as though a form was never completed", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "any number; percentages must total 100%", "quote": "You can name as many beneficiaries as you like as long as the total percentage awarded amongst the beneficiaries adds up to 100%.", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "designation made on the saver portal", "quote": "Setting up beneficiary designation on your saver portal is easy!", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (saver portal); the notarized spousal consent form is kept by the participant, not filed", "quote": "Setting up beneficiary designation on your saver portal is easy! ... If you do not assign a beneficiary on your portal or through a Spousal Consent Form", "account_type": "Vestwell-recordkept 401(k)", "page": "web page", "source_url": "https://support.vestwell.com/hc/en-us/articles/360057858374-Understanding-the-Beneficiary-Designation", "form_number": "", "revision_date": "2025-03-10", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "voya-401k", "institution": "Voya Financial", "segment": "recordkeeper", "account_group": "employer_plan", "account_types": [ "401(k)/403(b) employer plan (QPSA plans)", "ADP TotalSource Retirement Savings Plan (Voya-administered 401(k); beneficiary care package)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, but contact plan administrator", "quote": "If you name an Estate or Trust as beneficiary, contact your Plan Administrator for more information.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; class gifts allowed (\"the children of the participant\")", "quote": "If a class of beneficiaries is designated (such as, \"the children of the participant or annuitant\"), then payment will be made in equal shares to each person who is a member of the class and living at the death of the participant", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class such as \"the children of the participant\" may be named; paid equally to class members living at death", "quote": "If a class of beneficiaries is designated (such as, \"the children of the participant or annuitant\"), then payment will be made in equal shares to each person who is a member of the class and living at the death of the participant or annuitant whether or not he/she has been specifically named", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian or guardian oversees the account until 18; parent-guardian form or proof of guardianship at claim", "quote": "If the beneficiary is a minor under the age of 18, a ... until the minor reaches the age of 18. ... Proof of legal guardianship", "account_type": "ADP TotalSource Retirement Savings Plan (Voya-administered 401(k); beneficiary care package)", "page": "4", "source_url": "https://presents.voya.com/Content/Delivers/adp/presentationresources/beneficiary-care-package-brochure.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (contact plan administrator)", "quote": "If you name an Estate or Trust as beneficiary, contact your Plan Administrator for more information.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "participant's estate", "quote": "If no beneficiary survives the participant or annuitant, payment will be made to the executors or administrators of the estate of the participant or annuitant.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "an inherited beneficiary account is opened in the beneficiary's name and the beneficiary names a beneficiary for it", "quote": "Beneficiary account under the Plan in the beneficiary's name ... to establish a beneficiary for your Plan account", "account_type": "ADP TotalSource Retirement Savings Plan (Voya-administered 401(k); beneficiary care package)", "page": "2", "source_url": "https://presents.voya.com/Content/Delivers/adp/presentationresources/beneficiary-care-package-brochure.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "class designation paid equally to living class members", "quote": "If a class of beneficiaries is designated (such as, \"the children of the participant or annuitant\"), then payment will be made in equal shares to each person who is a member of the class and living at the death of the participant", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, QPSA (50% to 100%) waiver with spouse consent before notary or plan rep; specific or general consent; age 35 rule", "quote": "You may elect to waive the QPSA benefit and name a non-spouse beneficiary for the QPSA percentage of your account, provided that your spouse consents in writing. ... the waiver will expire on the first day of the plan year in which I reach age 35", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "1", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse's consent acknowledged before a notary public or plan representative; specific or general consent; a waiver signed before age 35 expires at the start of the plan year the participant reaches 35", "quote": "Without my consent, my spouse cannot elect to waive this benefit. ... known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument ... Notary Public ... Plan Representative ... I also understand that my consent is irrevocable unless my spouse revokes the above waiver.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes, but married participants online may only name spouse as sole beneficiary", "quote": "If you are married, your spouse must be designated as your sole beneficiary to complete your election online. If you choose to designate someone other than your spouse, please visit Plan Details > Forms on the participant website to download a paper copy of the form.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "1", "source_url": "https://www.voya.com/sites/www/files/2022-02/585250_0621_How_to_name_your_beneficiary_online.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form returned to the plan administrator; online (married participants online may name only the spouse as sole beneficiary)", "quote": "Please complete this form and return it to your Plan Administrator. ... Once you make your changes click on Submit.", "account_type": "401(k)/403(b) employer plan (QPSA plans)", "page": "2", "source_url": "https://enroll.voya.com/static/evoyaenroll/psd/bene_form_.pdf", "form_number": "Form No. 82094 ODK QPSA (Order #167358)", "revision_date": "05/01/2013", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-washington-drs", "institution": "Washington State Department of Retirement Systems", "segment": "pension", "account_group": "employer_plan", "account_types": [ "Deferred Compensation Program (DCP, 457(b))" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named", "quote": "You can name anyone as your beneficiary: spouse, child, domestic partner, friend, neighbor, etc. You can also designate a charity or trust.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "11", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/DCP-Enrollment-Booklet.pdf", "form_number": "DRSD112", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no self-designation; whole-number percentages totaling 100%", "quote": "You must name at least one beneficiary. Do not name yourself. ... Use whole numbers only (no decimals or fractions).", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "1", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "name a custodian on DRS MS 100", "quote": "If your beneficiaries include minors, the law requires additional steps to transfer funds. Failure to indicate a custodian for minor beneficiaries before your death may require guardianship proceedings", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "DRS MS 100 covers DCP investment accounts; \"Estate of [name]\"", "quote": "A beneficiary can be a person, estate or entity. ... Consider naming your estate instead of listing each person. Do this by entering", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "3", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "If you die without a current beneficiary designation on file, a distribution will be made to your estate.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "11", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/DCP-Enrollment-Booklet.pdf", "form_number": "DRSD112", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiaries receiving money from a deceased member's account name their own beneficiaries", "quote": "Survivor: I am receiving a benefit from a deceased DRS member's account. ... If this money is from someone else's account, add their information here.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "2", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's percentage shared equally among surviving primaries; contingents only if all primaries die", "quote": "If any beneficiaries precede me in death, share their percentages equally among the remaining primary beneficiaries. ... Contingent beneficiaries receive your account balance if all your primary beneficiaries die.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "extra signed sheet; no limit", "quote": "If you have additional beneficiaries, include a separate sheet with the same information as the above section, then sign and date it.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "online (DRS account, My Account)", "quote": "Once you are enrolled in DCP, update your beneficiaries online through drs.wa.gov/oaa.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "11", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/DCP-Enrollment-Booklet.pdf", "form_number": "DRSD112", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "paper form signed in ink; online designation available", "quote": "Sign in ink. Electronic signatures are not accepted.", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "online; paper DRS MS 100 by mail, upload or fax", "quote": "update your beneficiaries online through drs.wa.gov/oaa. Or, complete the paper form Beneficiary Designation and mail it to DRS. ... Scan completed form. Log into drs.wa.gov/oaa, select \"Upload Documents\" under \"My Documents.\"", "account_type": "Deferred Compensation Program (DCP, 457(b))", "page": "11", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/DCP-Enrollment-Booklet.pdf", "form_number": "DRSD112", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-wisconsin-wrs", "institution": "Wisconsin Retirement System (Wisconsin Department of Employee Trust Funds, ETF)", "segment": "pension", "account_group": "employer_plan", "account_types": [ "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "Empower (WDC service provider) form; trust example gives trust name, TIN and trust date", "quote": "(Name of Individual, Trust, Charity, etc.) ... Example 2: Trust as Beneficiary", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "1", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be contingent", "quote": "Contingent Beneficiary Designation (Contingent beneficiary designations must total 100% in whole percentages.) ... (Name of Individual, Trust, Charity, etc.)", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "1", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN and trust date", "quote": "Social Security or Taxpayer ... Identification Number ... or Trust Date", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "1", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date column; no trustee name required", "quote": "Example 2: Trust as Beneficiary ... Trust of Jane Doe", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "3", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named", "quote": "Example 3: Estate as Beneficiary ... Estate of Anne Doe", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "3", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, children (per stirpes style), grandchildren, parents, siblings, estate", "quote": "In the absence of a written designation of BENEFICIARY, or if all designated BENEFICIARIES who survive the decedent die before the ACCOUNT HOLDER, the ACCOUNT HOLDER's BENEFICIARIES shall be determined pursuant to the standard sequence established in Wisconsin Statutes 40.02(8)(a).", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "11", "source_url": "https://etf.wi.gov/boards/governance-manual/wdc-plan-trust/download", "form_number": "ET-2367", "revision_date": "2025-01-01", "wayback_capture": "2025-10-28", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving beneficiaries at the same level; equal shares if no percentages", "quote": "If a primary beneficiary predeceases me, his or her benefit will be allocated to the surviving primary beneficiaries. Contingent beneficiaries will receive a benefit only if there is no surviving primary beneficiary", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "2", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "divorce does not revoke", "quote": "This means, for example, that a BENEFICIARY designation naming a spouse is not affected by a subsequent divorce.", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "10", "source_url": "https://etf.wi.gov/boards/governance-manual/wdc-plan-trust/download", "form_number": "ET-2367", "revision_date": "2025-01-01", "wayback_capture": "2025-10-28", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; additional sheet allowed", "quote": "Attach an additional sheet to name additional beneficiaries.", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "1", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online via the WDC account (My Beneficiaries page) or paper", "quote": "Use the WDC Online Beneficiary Form to designate who will receive your WDC benefits upon your death.", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "web page", "source_url": "https://etf.wi.gov/resource/how-fill-out-beneficiary-designation-et-2320", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax, regular mail or express mail to Empower; online", "quote": "this form can be sent by ... Fax to: ... Regular Mail to: ... Express Mail to:", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "2", "source_url": "https://www.fascore.com/PDF/wisconsin/beneficiary.pdf", "form_number": "GU22", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "waiver under Wis. Stat. 40.08(3); waiving beneficiary treated as predeceased; waiver irrevocable", "quote": "A BENEFICIARY may waive all or a portion of the right to or the payment of any benefit payable or to become payable under the PLAN to the BENEFICIARY as provided in Wis. Stat. 40.08 (3).", "account_type": "Wisconsin Deferred Compensation Program 457(b) (Empower form GU22, plan document ET-2367)", "page": "", "source_url": "https://etf.wi.gov/boards/governance-manual/wdc-plan-trust/download", "form_number": "ET-2367", "revision_date": "2025-01-01", "wayback_capture": "2025-10-28", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-alliant", "institution": "Alliant Credit Union", "segment": "credit_union", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "to surviving primaries; secondaries only if primaries predecease", "quote": "In an event that one or more of the primary beneficiaries predeceases the owner, the amount allocated to said beneficiary(ies) will be divided among the surviving primary beneficiary(ies) ... Secondary beneficiary(ies) will receive funds only if the primary beneficiary(ies) predeceases the owner.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/HSA_BeneficiaryDesignation-Change.pdf", "form_number": "", "revision_date": "2014-06", "wayback_capture": "2016-09-09", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse signs Consent of Spouse whenever not named primary for at least 50%", "quote": "not named as a primary beneficiary with at least 50% allocation of HSA funds", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/HSA_BeneficiaryDesignation-Change.pdf", "form_number": "", "revision_date": "2014-06", "wayback_capture": "2016-09-09", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates; no notary line; irrevocable unless owner amends without consent", "quote": "I understand that I may not revoke this consent in the future. However, this waiver of my rights will terminate if my spouse (OWNER) amends this designation", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/HSA_BeneficiaryDesignation-Change.pdf", "form_number": "", "revision_date": "2014-06", "wayback_capture": "2016-09-09", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax (2014 form)", "quote": "RETURN COMPLETED FORM TO ALLIANT CREDIT UNION, HSA SERVICES. FAX: 773-462-8735 ... by mail at Alliant Credit Union, HSA Services, PO Box 66945", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/HSA_BeneficiaryDesignation-Change.pdf", "form_number": "", "revision_date": "2014-06", "wayback_capture": "2016-09-09", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "acknowledgment expected within 30 days", "quote": "If you do not receive acknowledgment within thirty days, please contact HSA Services", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "http://www.alliantcreditunion.org:80/images/uploads/files/HSA_BeneficiaryDesignation-Change.pdf", "form_number": "", "revision_date": "2014-06", "wayback_capture": "2016-09-09", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-associated-bank", "institution": "Associated Bank, National Association", "segment": "bank", "account_group": "hsa", "account_types": [ "Associated Bank Health Savings Account" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate, not the spouse; spouse beneficiary uses the HSA as own, non-spouse taxable distribution", "quote": "If no beneficiary is elected, the money will not automatically transfer to your spouse (if you are ... married). Instead, it will transfer to your estate.", "account_type": "Associated Bank Health Savings Account", "page": "10", "source_url": "https://www.associatedbank.com/pdf/hsa_saving_and_wealth_digital_brochure.pdf", "form_number": "", "revision_date": "2025-02", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "hsa", "account_types": [ "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (affiliate Axos Clearing LLC form)", "quote": "Trust as beneficiary. To designate a trust as a beneficiary, enter the beneficiary information as follows", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "lines marked primary or contingent; entities allowed", "quote": "I hereby designate the following individuals or entity(ies) as my beneficiary(ies). ... If no primary beneficiaries survive the account holder, the contingent beneficiaries will acquire the account at their designated percentages.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "title, trustees, date, TIN", "quote": "Provide the full legal title of the trust. Include a list of all trustees and the date of the trust. ... Provide the Tax Identification Number (TIN) or the social security number for the trust.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full legal title, all trustees, trust date", "quote": "Provide the full legal title of the trust. Include a list of all trustees and the date of the trust.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "not accepted", "quote": "the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named", "quote": "The beneficiary(ies) must be named in this section. For example, the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"spouse\", \"children\", \"per stirpes\" refused as names", "quote": "For example, the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations for \"Beneficiary Name\".", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no designated beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my Account to my estate.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapses; remaining primaries increase proportionately", "quote": "If any primary or contingent beneficiary dies before the account holder, their interest and the interest of their heirs will terminate completely, and the percentage of account balance of any remaining primary beneficiaries will be increased proportionately.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states, owner's warranty only", "quote": "If my account is subject to State community property statutes and I do not designate my spouse as the sole primary beneficiary, I represent, warrant, and covenant that my spouse has consented to the beneficiary designations below.", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 lines; attach more", "quote": "Additional beneficiary information provided (please attach)", "account_type": "Axos Advisor Services HSA (HSA Beneficiary Designation or Change Request 12/2025; affiliate Axos Clearing LLC)", "page": "1", "source_url": "https://www.axos.com/documents/hsa-beneficiary-designation-or-change-request", "form_number": "", "revision_date": "2025-12", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-bofa", "institution": "Bank of America Benefit Solutions HSA (HSA for Life, Bank of America, N.A., custodian)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Bank of America HSA for Life" ], "florida": false, "fields": { "estate_allowed": { "value": "yes", "detail": "yes", "quote": "You can name your estate as beneficiary. The assets will be transferred to your estate and treated as taxable income on your final tax return.", "account_type": "Bank of America HSA for Life", "page": "web page", "source_url": "https://healthaccounts.bankofamerica.com/en/beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "no designation, spouse (if the spouse notifies the bank), otherwise estate; employer guide, letters testamentary, appointment of executor or small estate affidavit required absent a valid designation", "quote": "If you are married and a spouse notifies Bank of America of the passing of an account holder, we will treat the spouse as the designated beneficiary ... If you are single, the balance of your account transfers to your estate", "account_type": "Bank of America HSA for Life", "page": "web page", "source_url": "https://healthaccounts.bankofamerica.com/en/beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "member website, Accounts > Profile Summary > Add Beneficiary", "quote": "Haven't designated a beneficiary yet? ... go to Accounts > \"Profile Summary\" > \"Add Beneficiary.\"", "account_type": "Bank of America HSA for Life", "page": "web page", "source_url": "https://healthaccounts.bankofamerica.com/en/beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (member website); no paper form saved", "quote": "On the member website , go to Accounts", "account_type": "Bank of America HSA for Life", "page": "web page", "source_url": "https://healthaccounts.bankofamerica.com/en/beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-fidelity", "institution": "Fidelity Health Savings Account (Fidelity Personal Trust Company, FSB, custodian)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Fidelity HSA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "beneficiary type box \"Trust\" on each primary line; agreement defines Beneficiary to include a trust or estate", "quote": "Primary Beneficiaries ... Trust Social Security or Taxpayer ID Number Date of Birth/Trust MM DD YYYY ... trust or estate, in which case the term may mean the trustee", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "beneficiary type box \"Trust\" on each contingent line", "quote": "Contingent Beneficiaries ... Trust Social Security or Taxpayer ID Number Date of Birth/Trust MM DD YYYY", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN and trust date fields; no trustee name field", "quote": "Trust Social Security or Taxpayer ID Number Date of Birth/Trust MM DD YYYY Share Percentage", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date (and TIN) requested on the form; no trustee name or \"as trustee\" wording prescribed", "quote": "Date of Birth/Trust MM DD YYYY", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at claim the trustee sends the claim form, death certificate, Beneficial Ownership for Trusts form and a Fidelity Certification of Trust or trust excerpts", "quote": "Beneficial Ownership for Trusts form ... Fidelity Certification of Trust form OR the following from your trust agreement: Title page, signature page, and the ... page that lists the succession of trustees, if necessary", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/HSA_distribution-estate-entity-requirements.pdf", "form_number": "1.9885017.104", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "\"Per stirpes\" checkbox on each primary and contingent line", "quote": "Share Percentage Per stirpes ... her descendants, check ... Acknowledge that \"per stirpes\" creates a", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's surviving descendants by right of representation (Custodial Agreement XI.6(a)); the form adds that per stirpes creates a class that may include persons not yet born or adopted", "quote": "shall be construed as follows: if any primary ... any share otherwise payable to such Beneficiary shall ... instead be paid to such Beneficiary's surviving descendants ... by right of representation", "account_type": "Fidelity HSA", "page": "9", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-hsa.pdf", "form_number": "1.9898973.104", "revision_date": "2025-03-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually with full legal name; a class arises only through the per stirpes box on a named beneficiary", "quote": "including the full first ... listing beneficiaries ... by name does NOT create a category of ... beneficiaries, and that if you later want to", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "Custodian may in its discretion pay a minor's share to a parent, guardian or conservator, UGMA/UTMA custodial account, person having custody, or the minor directly; at claim a parent may act as custodian", "quote": "(iii) a custodial account ... established under a Uniform Gifts to Minors Act ... Copy of the minor's birth certificate. A parent may act as the new custodian.", "account_type": "Fidelity HSA", "page": "9", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-hsa.pdf", "form_number": "1.9898973.104", "revision_date": "2025-03-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be the Beneficiary (value taxable on the owner's final return)", "quote": "Beneficiary is the Account Owner's estate, the fair market ... trust or estate, in which case the term may mean the trustee", "account_type": "Fidelity HSA", "page": "7", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-hsa.pdf", "form_number": "1.9898973.104", "revision_date": "2025-03-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "no valid designation or no surviving primary or contingent beneficiary, surviving spouse, else estate", "quote": "properly designated a Beneficiary in accordance ... Account Owner's Beneficiary shall be his or her surviving ... spouse, but if he or she has no surviving spouse, his or her", "account_type": "Fidelity HSA", "page": "8", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-hsa.pdf", "form_number": "1.9898973.104", "revision_date": "2025-03-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "unless otherwise designated, a predeceased beneficiary's share is divided equally among surviving beneficiaries of the same class; contingents take only if no primary survives; a beneficiary who survives but dies before full payment, remainder to that beneficiary's estate", "quote": "designated by the Account Owner predeceases the ... for which that deceased Beneficiary is entitled will be ... divided equally among the surviving primary and contin ... Beneficiary does ... not predecease the Account Owner but dies before receiv", "account_type": "Fidelity HSA", "page": "9", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-hsa.pdf", "form_number": "1.9898973.104", "revision_date": "2025-03-31", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; copy the page for more", "quote": "If you need more room for information, make a copy of the relevant page.", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at Fidelity.com/beneficiary, or the paper form", "quote": "You can add or change beneficiaries anytime, or on any ... other types of accounts, at Fidelity.com/beneficiary", "account_type": "Fidelity HSA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail", "quote": "For faster processing, complete, sign, and submit using the ... digital uploading process ... go to Fidelity.com/upload-Bene-IRA/HSA ... require mailing instructions", "account_type": "Fidelity HSA", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "hsa", "account_types": [ "Health Savings Account (Fidelity HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "same IRA/HSA form; trust checkbox per beneficiary", "quote": "Use this form to add or change the beneficiaries of your Fidelity IRA ... or Fidelity HSA account(s) ... Date of Birth/Trust MM DD YYYY", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust checkbox per contingent beneficiary", "quote": "Contingent beneficiaries ... receive assets only if no ... Date of Birth/Trust MM DD YYYY", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, trust date", "quote": "Social Security or Taxpayer ID Number ... Date of Birth/Trust MM DD YYYY", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and TIN; no trustee name asked", "quote": "Date of Birth/Trust MM DD YYYY", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "If you outlive a ... beneficiary and you ... want that beneficiary's ... her descendants, check", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants by right of representation", "quote": "stirpes,\" that any share otherwise payable ... to a beneficiary shall instead be paid to ... that beneficiary's surviving descendants by ... right of representation if the original bene-", "account_type": "Health Savings Account (Fidelity HSA)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually", "quote": "by name does NOT create a category of ... to submit a new beneficiary form.", "account_type": "Health Savings Account (Fidelity HSA)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (HSA custodial agreement not saved)", "quote": "survives you, your beneficiary will be your ... spouse or, if you are not married, your ... estate, in accordance with the rules of ... succession in the applicable Fidelity IRA or ... HSA Custodial Agreement.", "account_type": "Health Savings Account (Fidelity HSA)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; copy the page for more", "quote": "If you need more room for information, make a copy of the relevant page.", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "Fidelity.com/beneficiary", "quote": "You can add or change beneficiaries anytime, or on any", "account_type": "Health Savings Account (Fidelity HSA)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; mail", "quote": "For faster processing, complete, sign, and submit using the ... can the QR code OR go to Fidelity.com/upload-Bene-IRA/HSA", "account_type": "Health Savings Account (Fidelity HSA)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-fifth-third-bank", "institution": "Fifth Third Bank, National Association", "segment": "bank", "account_group": "hsa", "account_types": [ "Fifth Third Bank HSA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individuals or an entity; date of trust and TIN of trust columns", "quote": "I designate the following individual(s) or entity as my primary or contingent death beneficiary(ies) of this HSA ... (OR DATE OF TRUST)", "account_type": "Fifth Third Bank HSA", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "I designate the following individual(s) or entity as my primary or contingent death beneficiary(ies)", "account_type": "Fifth Third Bank HSA", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date and TIN in the date-of-birth and SSN columns", "quote": "(OR DATE OF TRUST) ... (OR TIN OF TRUST)", "account_type": "Fifth Third Bank HSA", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "fixed lapse rule; no per stirpes", "quote": "his or her interest and the interest of his or her heirs shall terminate completely", "account_type": "Fifth Third Bank HSA", "page": "2", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to survivors; contingents take if no primary survives", "quote": "If any primary or contingent death beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining death beneficiary shall be increased on a pro rata basis.", "account_type": "Fifth Third Bank HSA", "page": "2", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property (and common-law marriage) states", "quote": "If you are married in common law or in a community property or marital property state, you must designate your spouse as your Primary Beneficiary. If you wish to designate someone other than your spouse, your spouse must agree by signing in the Spousal Consent section.", "account_type": "Fifth Third Bank HSA", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates on the form; no notary", "quote": "I am married and I understand that if I choose to designate a primary death beneficiary other than my spouse, my spouse must agree to the designation by signing below.", "account_type": "Fifth Third Bank HSA", "page": "2", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "divorce or annulment revokes a spouse designation", "quote": "if I designate my spouse as primary death beneficiary or contingent death beneficiary of the HSA, the dissolution, termination, annulment or other legal termination of my marriage will automatically revoke such designation.", "account_type": "Fifth Third Bank HSA", "page": "2", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail", "quote": "Fax completed form to: Fifth Third Bank HSA Support Center ... Mail completed form to: Fifth Third Bank HSA Support Center", "account_type": "Fifth Third Bank HSA", "page": "1", "source_url": "https://www.53.com/content/dam/fifth-third/docs/hsa/add-replace-beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2022-03-16", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-frost-bank", "institution": "Frost Bank", "segment": "bank", "account_group": "hsa", "account_types": [ "Frost Bank Health Savings Account (Frost as custodian)" ], "florida": false, "fields": { "estate_allowed": { "value": "yes", "detail": "estate may be named (taxable)", "quote": "If your spouse predeceases you, or if someone other than your spouse is named as your beneficiary, including your estate, then tax may be due on the balance remaining at your death.", "account_type": "Frost Bank Health Savings Account (Frost as custodian)", "page": "web page", "source_url": "https://www.frostbank.com/agreements-disclosures/deposit-account-agreement-other-disclosures", "form_number": "Deposit Account Agreement and Other Disclosures", "revision_date": "2025-07-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-further", "institution": "Further (HSA administrator, formerly SelectAccount)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "help page definition; the form has no trust-specific fields", "quote": "A beneficiary is a person, group of people, trust, or estate that receives the funds in your account when you die.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://learn.hellofurther.com/@api/deki/pages/682/pdf/Choosing%2bBeneficiaries%2bfor%2byour%2bHSA.pdf?stylesheet=default", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "definition covers primary and contingent beneficiaries; form has no trust-specific fields", "quote": "A beneficiary is a person, group of people, trust, or estate that receives the funds in your account when you die ... There are two types of beneficiaries", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://learn.hellofurther.com/@api/deki/pages/682/pdf/Choosing%2bBeneficiaries%2bfor%2byour%2bHSA.pdf?stylesheet=default", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "help page definition; estate is also a default taker", "quote": "A beneficiary is a person, group of people, trust, or estate that receives the funds in your account when you die.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://learn.hellofurther.com/@api/deki/pages/682/pdf/Choosing%2bBeneficiaries%2bfor%2byour%2bHSA.pdf?stylesheet=default", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "form and death page, legal spouse, then estate; the Choosing Beneficiaries page says the estate (inconsistent)", "quote": "If a specific beneficiary designation is not on file with Further at the time of your death, your legal spouse will be deemed your beneficiary. If you have no legal spouse, the funds will be paid to your estate. ... In cases where no beneficiary is named, the estate is considered the beneficiary", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://selectaccount-prod2.mindtouch.us/@api/deki/pages/=Employers%252FGroup_Administration%252FPrintable_Forms/files/HSA-Beneficiary-Designation-Form.pdf", "form_number": "F9629R08", "revision_date": "2020-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share reallocated proportionately; if none survive, per the account terms (spouse then estate)", "quote": "If a beneficiary dies before me, then percentages will be adjusted on a proportionate basis. ... If no designated beneficiary survives me, my undistributed interest shall be paid as", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://selectaccount-prod2.mindtouch.us/@api/deki/pages/=Employers%252FGroup_Administration%252FPrintable_Forms/files/HSA-Beneficiary-Designation-Form.pdf", "form_number": "F9629R08", "revision_date": "2020-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owners in 9 community property states naming a primary other than, or in addition to, the spouse", "quote": "If you live in the states of AZ, CA, ID, LA, NV, NM, TX, WA, or WI, you need consent from your spouse to name a primary beneficiary other than, or in addition to, your spouse.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://selectaccount-prod2.mindtouch.us/@api/deki/pages/=Employers%252FGroup_Administration%252FPrintable_Forms/files/HSA-Beneficiary-Designation-Form.pdf", "form_number": "F9629R08", "revision_date": "2020-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form before a notary", "quote": "As the spouse of the Account Holder named on this form, I hereby consent to the beneficiary(ies) designated on this form. I am waiving my right to be the beneficiary under this account. ... Witness: I, a Notary Public, witnessed the signing of the foregoing Consent of the Spouse.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://selectaccount-prod2.mindtouch.us/@api/deki/pages/=Employers%252FGroup_Administration%252FPrintable_Forms/files/HSA-Beneficiary-Designation-Form.pdf", "form_number": "F9629R08", "revision_date": "2020-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "primaries online in the member portal; contingents only by phone or paper form", "quote": "Click Manage next to HSA Beneficiaries ... Contingent beneficiaries can't be added on the member portal.", "account_type": "Health Savings Account (HSA)", "page": "2", "source_url": "https://learn.hellofurther.com/@api/deki/pages/682/pdf/Choosing%2bBeneficiaries%2bfor%2byour%2bHSA.pdf?stylesheet=default", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; secure email; fax; mail; phone (contingents)", "quote": "Log into your account at ... further.documents@hellofurther.com ... PO Box 982814 ... To add a contingent beneficiary to your account, call customer service at 800-859-2144.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://selectaccount-prod2.mindtouch.us/@api/deki/pages/=Employers%252FGroup_Administration%252FPrintable_Forms/files/HSA-Beneficiary-Designation-Form.pdf", "form_number": "F9629R08", "revision_date": "2020-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-healthequity", "institution": "HealthEquity", "segment": "hsa", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "each primary line has an \"Estate/Trust Yes/No\" box", "quote": "(including your estate or a trust, as applicable) ... Primary Beneficiary 1 Estate/Trust Yes No", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines have the same \"Estate/Trust\" box", "quote": "receive your HSA assets in the event that all of your primary beneficiaries pass away before you ... Beneficiary 2 Estate/Trust Yes No", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, SSN or TIN, address, relationship and percent for every beneficiary incl. a trust; no trust date or trustee field", "quote": "Name SSN or TIN Date of Birth (mm/dd/yyyy)", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; paid to the estate or to a guardian for the minor, with guardianship papers (help page)", "quote": "if any of the named beneficiaries are minors, an adult guardian must hold and manage the money until the beneficiary reaches the age of majority ... Guardianship paperwork", "account_type": "Health Savings Account (HSA)", "page": "web page", "source_url": "https://help.healthequity.com/en/articles/6026409-hsa-account-management", "form_number": "", "revision_date": "", "wayback_capture": "2025-07-15", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named (Estate/Trust box)", "quote": "(including your estate or a trust, as applicable)", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else the owner's estate or successor in interest (custodial agreement 4.04)", "quote": "If no beneficiary is named, the surviving spouse (if any) will be deemed the beneficiary. ... If no beneficiary is designated and there is no surviving spouse, the Account will be liquidated and a distribution will be made to the Member's estate, successor in interest, or other party with authority to act on the Account.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://resources.healthequity.com/forms/agreements/healthequity_custodial_agreement.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-07-31", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "form, community property states, primary other than the spouse; the help page asks for a signed form from any married owner naming a non-spouse", "quote": "If married, living in a community property state (for example AK, AZ, CA, ID, LA, NV, NM, TX, WA, or WI), and want to designate a primary beneficiary other than your spouse, your spouse must agree in writing ... If you are married and designating a beneficiary who is not your spouse, or if you live in a community property state, an additional signed form is required.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://resources.healthequity.com/Forms/Beneficiary_Designation_Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-12", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent on the paper form; mail, fax or upload in the member support portal; no notary or witness", "quote": "you must submit a physical copy of this form by mail or fax ... I hereby consent to the beneficiary designation(s) indicated above. ... This form can be submitted in the Member Support Portal", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, except where the spousal consent form is needed", "quote": "Select Beneficiaries under Manage Account on the right side.", "account_type": "Health Savings Account (HSA)", "page": "web page", "source_url": "https://help.healthequity.com/en/articles/6026409-hsa-account-management", "form_number": "", "revision_date": "", "wayback_capture": "2025-07-15", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; fax; upload (member support portal)", "quote": "Please mail or fax completed forms to ... Complete this information online under \"My Profile\" in your member portal. ... This form can be submitted in the Member Support Portal", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://www.regions.com/-/media/pdfs/about-regions/benefits/documents-and-forms/HSA_Beneficiary_Designation_Form.pdf?revision=c98f4d8c-d2a1-474c-9f67-7069aba0b682", "form_number": "", "revision_date": "", "wayback_capture": "2022-01-19", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-hsa-bank", "institution": "HSA Bank", "segment": "hsa", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "beneficiary lines take a trust and trustee (name, creation date, TIN); flyer lists a trust as a possible beneficiary", "quote": "The following individual(s) or entity shall be my primary and/or contingent beneficiary(ies) ... number (TIN, if Trust) ... organizations, such as a trust or charity", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line is checked Primary or Contingent; same trust columns", "quote": "I designate the individual(s) or entity named below as my primary and/or contingent beneficiary(ies) of this HSA ... number (TIN, if Trust)", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name and address of trust and trustee, trust creation date, trust TIN, relationship, share; all fields required", "quote": "Valid Social Security numbers must be on file for your designated beneficiary(ies) in order to process them ... All fields are required ... (creation date, if Trust) ... number (TIN, if Trust)", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "name of trust and trustee, trust creation date and trust TIN in the beneficiary columns", "quote": "(creation date, if Trust) ... number (TIN, if Trust)", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary needs name, date of birth and SSN; no class designation option", "quote": "Valid Social Security numbers must be on file for your designated beneficiary(ies) in order to process them.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "flyer, only in a manner or form HSA Bank prescribes (the flyer does allow a designation that \"provides otherwise\" on shares and lapse)", "quote": "This designation can only be made in a manner or form prescribed by us and will only be effective when filed with us during your lifetime", "account_type": "Health Savings Account (HSA)", "page": "2", "source_url": "https://hsabank.bynder.com/m/93a627616aae4c97/original/Beneficiary-Flyer.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate (flyer and application form)", "quote": "If you do not file a beneficiary designation form with us, if you file an incomplete or invalid form, or if no designated beneficiary survives you, your beneficiary shall be your estate. ... If you fail to designate a beneficiary, then your estate will be your beneficiary upon your death.", "account_type": "Health Savings Account (HSA)", "page": "2", "source_url": "https://hsabank.bynder.com/m/93a627616aae4c97/original/Beneficiary-Flyer.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapses to the other beneficiaries pro rata (heirs cut off); contingents take only if no primary survives", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "current form, any married owner naming a non-spouse primary; flyer limits it to community property states", "quote": "I understand that if I choose to designate a primary beneficiary other than my spouse, my spouse must sign below ... if you're married, live in a community property state and designate a non-spouse primary beneficiary, you must submit a beneficiary form with the notarized consent of your spouse", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form before a notary and an adult non-spouse witness; paper form (not online) in that case", "quote": "before me, a notary public, the undersigned officer, personally appeared ... the spouse of the above named accountholder ... Signature of witness ... Required. Cannot be spouse. Must be 18 or older.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes", "quote": "If you designate your spouse as primary beneficiary or contingent beneficiary of the HSA, the dissolution, termination, annulment, or other legal termination of your marriage will automatically revoke such designation.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, except where notarized spousal consent is needed", "quote": "Beneficiary designations can generally be made through your online account.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/93a627616aae4c97/original/Beneficiary-Flyer.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; upload; email; mail (older forms, mail or fax)", "quote": "Log into your HSA Bank account. Then go to Resources and upload the required document(s) under Secure Document Upload ... hsaforms@hsabank.com ... Mail: 909 N 8th Street, Suite 200 ... Beneficiary designations can generally be made through your online account.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://hsabank.bynder.com/m/db991b1a8eb5705b/original/HSA-Designation-of-Beneficiary-Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "irar-trust", "institution": "IRAR Trust Company (IRA Resources)", "segment": "brokerage", "account_group": "hsa", "account_types": [ "Health Savings Account (IRAR beneficiary designation form)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust checkbox", "quote": "Non-Spouse Trust Share Percentage", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line has Primary/Contingent boxes and a Trust relationship box", "quote": "I designate the following person(s) named below as my Primary and/or Contingent Beneficiaries ... Non-Spouse Trust", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy or abstract of the trust at designation", "quote": "If I named a Trust as a Beneficiary, I understand I must supply a copy or abstract of the Trust.", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no Primary or Contingent Beneficiary survives me, the remaining balance in the account shall be distributed in accordance with the plan provisions to my estate", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "heirs cut off; pro rata to others", "quote": "If any Primary or Contingent Beneficiary does not survive me, such beneficiary's interest and the interest of such beneficiary's heirs shall terminate completely, and the share for any remaining Primary or Contingent Beneficiary shall be increased on a pro rata basis.", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "The consent of spouse must be signed only if the following conditions are present: ... Your spouse is not the sole primary beneficiary named and; You and your spouse are residents of a community property state", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "2", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; email; mail (Walnut Creek, CA)", "quote": "Submission Options ... (858) 459-6565 forms@iraresources.com", "account_type": "Health Savings Account (IRAR beneficiary designation form)", "page": "2", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-keybank", "institution": "KeyBank National Association", "segment": "bank", "account_group": "hsa", "account_types": [ "KeyBank Health Savings Account beneficiary designation" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share lapses; remaining beneficiaries increased pro rata", "quote": "If any primary or secondary Beneficiary dies before me, his or her interest shall terminate completely, and any remaining Beneficiary share shall be increased on a pro rata basis.", "account_type": "KeyBank Health Savings Account beneficiary designation", "page": "1", "source_url": "https://www.key.com/pdf/hsa-beneficiary-form.pdf", "form_number": "", "revision_date": "2009-07", "wayback_capture": "2010-12-24", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consents where someone other than the spouse is primary, subject to the state's community or marital property laws", "quote": "I am the spouse of the Health Savings Accountholder. I agree to my spouse's designation of a primary beneficiary other than myself. ... community or marital", "account_type": "KeyBank Health Savings Account beneficiary designation", "page": "1", "source_url": "https://www.key.com/pdf/hsa-beneficiary-form.pdf", "form_number": "", "revision_date": "2009-07", "wayback_capture": "2010-12-24", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates; a witness also signs", "quote": "Accountholder's Spouse Signature ... Witness' Signature", "account_type": "KeyBank Health Savings Account beneficiary designation", "page": "1", "source_url": "https://www.key.com/pdf/hsa-beneficiary-form.pdf", "form_number": "", "revision_date": "2009-07", "wayback_capture": "2010-12-24", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notary authentication unless signed in the presence of a KeyBank representative", "quote": "NOTARY PUBLIC (If this document is signed in the presence of the KeyBank Representative, signature authentication by a Notary Public is not", "account_type": "KeyBank Health Savings Account beneficiary designation", "page": "1", "source_url": "https://www.key.com/pdf/hsa-beneficiary-form.pdf", "form_number": "", "revision_date": "2009-07", "wayback_capture": "2010-12-24", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to KeyBank Health Savings Operations, P.O. Box 1300, Buffalo NY", "quote": "Please send this form to: KeyBank National Association ... Health Savings Operations", "account_type": "KeyBank Health Savings Account beneficiary designation", "page": "1", "source_url": "https://www.key.com/pdf/hsa-beneficiary-form.pdf", "form_number": "", "revision_date": "2009-07", "wayback_capture": "2010-12-24", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-lively", "institution": "Lively HSA", "segment": "hsa", "account_group": "hsa", "account_types": [ "Lively Health Savings Account (HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named primary", "quote": "You may also list a trust as either a primary or contingent beneficiary.", "account_type": "Lively Health Savings Account (HSA)", "page": "web page", "source_url": "https://support.livelyme.com/hc/en-us/articles/360001683812-How-do-I-designate-a-beneficiary", "form_number": "", "revision_date": "2025-10-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be named contingent", "quote": "You may also list a trust as either a primary or contingent beneficiary.", "account_type": "Lively Health Savings Account (HSA)", "page": "web page", "source_url": "https://support.livelyme.com/hc/en-us/articles/360001683812-How-do-I-designate-a-beneficiary", "form_number": "", "revision_date": "2025-10-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust TIN (or grantor's SSN for a living trust); no trust date or trustee named on the help page", "quote": "To do so, you'll need to provide the trust's Tax Identification Number (TIN) ... in some cases, a living trust may use the grantor's Social Security Number (SSN) instead.", "account_type": "Lively Health Savings Account (HSA)", "page": "web page", "source_url": "https://support.livelyme.com/hc/en-us/articles/360001683812-How-do-I-designate-a-beneficiary", "form_number": "", "revision_date": "2025-10-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online in the dashboard under Account Settings, Beneficiaries", "quote": "Log in to your Lively dashboard ... Follow the prompts to enter the required beneficiary information.", "account_type": "Lively Health Savings Account (HSA)", "page": "web page", "source_url": "https://support.livelyme.com/hc/en-us/articles/360001683812-How-do-I-designate-a-beneficiary", "form_number": "", "revision_date": "2025-10-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (dashboard)", "quote": "Log in to your Lively dashboard ... From the tab options, choose", "account_type": "Lively Health Savings Account (HSA)", "page": "web page", "source_url": "https://support.livelyme.com/hc/en-us/articles/360001683812-How-do-I-designate-a-beneficiary", "form_number": "", "revision_date": "2025-10-17", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-manufacturers-and-traders-trust-company", "institution": "Manufacturers and Traders Trust Company", "segment": "bank", "account_group": "hsa", "account_types": [ "M&T Bank Health Savings Account (HSA)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "the owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "M&T Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://www.mtb.com/personal/healthsavingsaccount/Documents/HSA-Designation-of-Beneficiary.pdf", "form_number": "2603H", "revision_date": "2012-05", "wayback_capture": "2015-10-08", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share lapses and is reallocated pro rata to the remaining beneficiaries", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis.", "account_type": "M&T Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://www.mtb.com/personal/healthsavingsaccount/Documents/HSA-Designation-of-Beneficiary.pdf", "form_number": "2603H", "revision_date": "2012-05", "wayback_capture": "2015-10-08", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "advisory (\"should\"), community or marital property state, where someone other than or in addition to the spouse is named primary", "quote": "Spousal consent should be considered if either the trust or the residence of the HSA owner is located in a community or marital property state. ... if I choose to designate a primary beneficiary other than or in addition to my spouse, my spouse should sign below.", "account_type": "M&T Bank Health Savings Account (HSA)", "page": "2", "source_url": "https://www.mtb.com/personal/healthsavingsaccount/Documents/HSA-Designation-of-Beneficiary.pdf", "form_number": "2603H", "revision_date": "2012-05", "wayback_capture": "2015-10-08", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent with a witness signature; no notary", "quote": "I acknowledge that I have received a fair and reasonable disclosure of my spouse's property and financial obligations. ... Signature of Spouse ... Signature of Witness", "account_type": "M&T Bank Health Savings Account (HSA)", "page": "2", "source_url": "https://www.mtb.com/personal/healthsavingsaccount/Documents/HSA-Designation-of-Beneficiary.pdf", "form_number": "2603H", "revision_date": "2012-05", "wayback_capture": "2015-10-08", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form delivered to M&T Bank as HSA trustee or custodian (mail, PO Box 2032, Milwaukee, WI 53201-2032)", "quote": "I understand that I may replace my beneficiary designations at any time by completing and delivering the proper form to the trustee or custodian.", "account_type": "M&T Bank Health Savings Account (HSA)", "page": "2", "source_url": "https://www.mtb.com/personal/healthsavingsaccount/Documents/HSA-Designation-of-Beneficiary.pdf", "form_number": "2603H", "revision_date": "2012-05", "wayback_capture": "2015-10-08", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill", "institution": "Merrill Lynch (Merrill Lynch Wealth Management and Merrill Edge)", "segment": "brokerage", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes; form 1217 lists HSA and Archer MSA accounts", "quote": "You may name one or more individuals and/or entities to be the primary or contingent beneficiary(ies) of your account, including your estate, trust or other entity. ... Health Savings Account (HSA)", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "You may name one or more individuals and/or entities to be the primary or contingent beneficiary(ies) of your account, including your estate, trust or other entity.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "exact name and TIN; date if available", "quote": "For estates, trusts or other entities please provide the exact name or title of the entity, tax identification number, and the date of inception, if available.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "no", "detail": "trust date only if available; no trustee name", "quote": "the date of inception, if available. Although all fields are not required", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "told not to send", "quote": "Please do not submit copies of your will or trust document. If an estate or trust is designated, Merrill shall rely solely upon the instructions of the executor/administrator or trustee", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "You may choose only \"per stirpes\" or \"per capita\", but not both, for beneficiaries in the same class (i.e., primary or contingent).", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants take the deceased beneficiary's share", "quote": "Per Stirpes is a method of dividing an account where surviving descendants of a deceased beneficiary effectively take the place of their deceased ancestor as primary beneficiary(ies) so that they take the share to which their ancestor was entitled (had he/she lived).", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "A Per Capita division of property is an equal division among all named beneficiaries and surviving descendants of deceased ancestors.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"as per will\" and \"as per trust\" invalid", "quote": "Designations that include \"as per will\" or \"as per trust\" will be considered invalid.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "attached \"customized beneficiary designation\"", "quote": "Customized Designations - If your beneficiary designation includes any alterations to the form, provisions in addition to the election of beneficiaries, or if you require additional space to write your designation, please submit your designation on a separate page(s) and attach it to this form.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "reviewed for administrative compatibility", "quote": "all customized beneficiary designations must be reviewed for compatibility with Merrill administrative and operational requirements", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "including your estate, trust or other entity", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (signature section of form 1217)", "quote": "I understand that if no designated beneficiary survives me, or if no beneficiary designation is in effect at my death, the account balance(s) will be paid to my spouse, or if I am not survived by a spouse, to my estate.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries, then contingents", "quote": "If a primary beneficiary predeceases you, his/her share will be distributed to the remaining primary beneficiary(ies) in proportion to the payment percentages.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "9 primary and 9 contingent lines; attach more (customized designation)", "quote": "if you require additional space to write your designation, please submit your designation on a separate page(s) and attach it to this form.", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "advisor; fax; mail", "quote": "Forward your completed form, in its entirety (pages 1-3), to your Merrill Lynch Wealth Management Advisor, Client Associate or the Merrill Advisory Center. ... Fax to: 1.877.229.7160", "account_type": "Health Savings Account (HSA) and Archer MSA (Beneficiary Designation Form 1217)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "new-direction-trust", "institution": "New Direction Trust Company", "segment": "brokerage", "account_group": "hsa", "account_types": [ "Health savings account" ], "florida": false, "fields": { "estate_allowed": { "value": "yes", "detail": "estate may be the designated beneficiary (taxed on final return)", "quote": "If the Account Beneficiary's estate is the designated beneficiary, then the fair market value of the HSA on the decedent's date of death is includible in the decedent's gross income", "account_type": "Health savings account", "page": "14", "source_url": "https://ndtco.com/wp-content/uploads/2021/01/5305_HSA.pdf", "form_number": "5305-C", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then estate; spouse beneficiary may treat the HSA as own", "quote": "any balance in the account will be payable to the Account Beneficiary's Spouse, and if the Spouse has predeceased the Account Beneficiary or the Account Beneficiary has no Spouse, the benefit will be payable to the Account Beneficiary's estate", "account_type": "Health savings account", "page": "4", "source_url": "https://ndtco.com/wp-content/uploads/2021/01/5305_HSA.pdf", "form_number": "5305-C", "revision_date": "2019-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-old-national-bank", "institution": "Old National Bank", "segment": "bank", "account_group": "hsa", "account_types": [ "Old National Health Savings Account" ], "florida": false, "fields": { "estate_allowed": { "value": "yes", "detail": "estate may be beneficiary (taxable on final return); spouse beneficiary treats HSA as own, non-spouse HSA ceases to be an HSA at death", "quote": "If the beneficiary is the account owner's estate, the fair market value", "account_type": "Old National Health Savings Account", "page": "1", "source_url": "http://www.oldnational.com:80/pdfs/Legal-Documents/Health-Savings-Account-Custodial-Agreement-and-Health-Savings-Account-Disclosure-Statement.pdf", "form_number": "2600H", "revision_date": "2012-05", "wayback_capture": "2014-11-27", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "If you do not designate a beneficiary or if all of your primary ... and contingent beneficiaries predecease you, your estate will be ... the beneficiary.", "account_type": "Old National Health Savings Account", "page": "3", "source_url": "http://www.oldnational.com:80/pdfs/Legal-Documents/Health-Savings-Account-Custodial-Agreement-and-Health-Savings-Account-Disclosure-Statement.pdf", "form_number": "2600H", "revision_date": "2012-05", "wayback_capture": "2014-11-27", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take if no primary survives; estate if all predecease", "quote": "If you have designated both primary and contingent ... beneficiaries and no primary beneficiary survives you, the ... contingent beneficiaries will acquire the designated share of your", "account_type": "Old National Health Savings Account", "page": "3", "source_url": "http://www.oldnational.com:80/pdfs/Legal-Documents/Health-Savings-Account-Custodial-Agreement-and-Health-Savings-Account-Disclosure-Statement.pdf", "form_number": "2600H", "revision_date": "2012-05", "wayback_capture": "2014-11-27", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-optum", "institution": "Optum Financial (Optum Bank HSA)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Optum Bank HSA and MSA (form 057)", "ConnectYourCare HSA (Optum Financial, form 136692B)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "primary lines take a trustee name and trust date", "quote": "Beneficiary first and last name or trustee ... Date of trust", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary lines have the same trust fields", "quote": "SECONDARY BENEFICIARY(IES) - Shares must total 100% ... Beneficiary first and last name or trustee", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee name, trust date and TIN, all starred as required", "quote": "Beneficiary first and last name or trustee ... Date of trust ... Taxpayer Identification", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name and trust date required (starred)", "quote": "Beneficiary first and last name or trustee* (if designating a trust) ... Date of trust* (if applicable)", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "legal spouse, else estate (also on the help page)", "quote": "If there is no valid beneficiary designation on file with us at the time of your death, your legal spouse will be deemed to be your beneficiary. If you are not married at the time of your death, the funds will be paid to your estate.", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "4", "source_url": "https://www.optumbank.com/content/dam/optum3/optumbank3/resources/pdf/045-0131-custodial-and-deposit-agreement.pdf", "form_number": "65954F-122022", "revision_date": "", "wayback_capture": "2024-08-04", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share (and heirs' interest) lapses to the other beneficiaries pro rata; secondaries take if no primary survives", "quote": "If any primary or secondary beneficiary dies before you do, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiaries shall be increased on a pro rata basis", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married owners in community or marital property states naming a primary other than the spouse", "quote": "I am married - I understand that if I chose to designate a primary beneficiary other than my spouse, my spouse must sign below.", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form with a witness signature line; no notary", "quote": "I hereby give the account holder any interest I have in the funds or property deposited in this account ... Signature of witness", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 lines per class; attach extra sheet", "quote": "If you wish to name more than 2 primary beneficiaries, please attach additional sheet with required information", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online under Settings and preferences, Beneficiaries (Optum Bank help page)", "quote": "Sign in to your online account ... Select Beneficiaries from the Account settings and preferences menu", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "web page", "source_url": "https://optumbank.com/qualcomm/resources/library/designation-of-beneficiary.html", "form_number": "", "revision_date": "2026-08-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notarized (step 6 notary area)", "quote": "This form must be notarized.", "account_type": "ConnectYourCare HSA (Optum Financial, form 136692B)", "page": "1", "source_url": "https://secure.optumfinancial.com/portal/downloads/forms?fileName=%2Fdownloads%2Fpdf%2Fforms%2F136692-032021+CYC+Beneficiary+Designation+Form+V2.pdf", "form_number": "136692B-072022", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; fax; email", "quote": "By mail: Optum Bank, P.O. Box 30777, Salt Lake City, UT 84130 ... By fax: 1-866-314-9795 ... By email: HSAforms@optum.com", "account_type": "Optum Bank HSA and MSA (form 057)", "page": "1", "source_url": "https://www.optumbank.com/content/dam/optumbank/resources/pdf/057%2012_16%20-%20Designation%20of%20Beneficiary.CO%20Fillable.pdf", "form_number": "30661D-112020", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-patelco", "institution": "Patelco Credit Union", "segment": "credit_union", "account_group": "hsa", "account_types": [ "Patelco Health Savings Account (HSA)" ], "florida": false, "fields": { "estate_allowed": { "value": "yes", "detail": "the estate may be the beneficiary (also the default)", "quote": "If the beneficiary is your estate, the fair market value of the account as of your date of death is taxable on your final tax return.", "account_type": "Patelco Health Savings Account (HSA)", "page": "8", "source_url": "https://www.patelco.org/wp-content/uploads/2023/06/HSA-mail-application-eligibility.pdf", "form_number": "2600H-C", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "the owner's estate (5305-C custodial agreement, art. 11.07)", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary.", "account_type": "Patelco Health Savings Account (HSA)", "page": "5", "source_url": "https://www.patelco.org/wp-content/uploads/2023/06/HSA-mail-application-eligibility.pdf", "form_number": "2600H-C", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share lapses (heirs take nothing) and goes pro rata to the remaining beneficiaries; contingents take only if no primary survives", "quote": "If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "Patelco Health Savings Account (HSA)", "page": "1", "source_url": "https://www.patelco.org/wp-content/uploads/2023/07/HSA-designation-of-beneficiary.pdf", "form_number": "2603H", "revision_date": "2015-04", "wayback_capture": "2024-08-06", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "advisory (\"should\"), community or marital property state, where someone other than or in addition to the spouse is named primary", "quote": "Spousal consent should be considered if either the trust or the residence of the HSA owner is located in a community or marital property state. ... if I choose to designate a primary beneficiary other than or in addition to my spouse, my spouse should sign below.", "account_type": "Patelco Health Savings Account (HSA)", "page": "2", "source_url": "https://www.patelco.org/wp-content/uploads/2023/07/HSA-designation-of-beneficiary.pdf", "form_number": "2603H", "revision_date": "2015-04", "wayback_capture": "2024-08-06", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent with a witness signature; no notary", "quote": "I acknowledge that I have received a fair and reasonable disclosure of my spouse's property and financial obligations. ... Signature of Spouse ... Signature of Witness", "account_type": "Patelco Health Savings Account (HSA)", "page": "2", "source_url": "https://www.patelco.org/wp-content/uploads/2023/07/HSA-designation-of-beneficiary.pdf", "form_number": "2603H", "revision_date": "2015-04", "wayback_capture": "2024-08-06", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; any number of addenda may be attached", "quote": "Check here if additional beneficiaries are listed on an attached addendum. Total number of addendums attached to this HSA", "account_type": "Patelco Health Savings Account (HSA)", "page": "2", "source_url": "https://www.patelco.org/wp-content/uploads/2023/07/HSA-designation-of-beneficiary.pdf", "form_number": "2603H", "revision_date": "2015-04", "wayback_capture": "2024-08-06", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form only (filed with the custodian during the owner's lifetime)", "quote": "This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime.", "account_type": "Patelco Health Savings Account (HSA)", "page": "5", "source_url": "https://www.patelco.org/wp-content/uploads/2023/06/HSA-mail-application-eligibility.pdf", "form_number": "2600H-C", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form delivered to Patelco as custodian, mail (existing HSA forms to PO Box 2227, Merced, CA; new HSA forms to 3 Park Place, Dublin, CA); the forms page says most account forms may also be returned via online banking or at a branch", "quote": "I understand that I may replace my beneficiary designations at any time by completing and delivering the proper form to the custodian. ... Send forms for existing HSA ... Most account forms can be sent back to us via online banking, paper mail, or taken to a branch.", "account_type": "Patelco Health Savings Account (HSA)", "page": "2", "source_url": "https://www.patelco.org/wp-content/uploads/2023/07/HSA-designation-of-beneficiary.pdf", "form_number": "2603H", "revision_date": "2015-04", "wayback_capture": "2024-08-06", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-payflex", "institution": "PayFlex HSA (CVS Health)", "segment": "hsa", "account_group": "hsa", "account_types": [ "Health Savings Account (HSA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "person, trust or estate", "quote": "You can name a person, trust or your estate as your beneficiary.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://docs.payflex.com/Flyers/PayFlex+HSA+Quick+Reference+Guide.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2025-06-25", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "You can name a person, trust or your estate as your beneficiary.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://docs.payflex.com/Flyers/PayFlex+HSA+Quick+Reference+Guide.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2025-06-25", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (closure form); a surviving spouse is not stated as default", "quote": "If there is no named beneficiary, PayFlex will make the check payable to the HSA Owner's estate.", "account_type": "Health Savings Account (HSA)", "page": "2", "source_url": "https://docs.payflex.com/custom_site/pf-12w_HSA+Account+Closure+Form.pdf", "form_number": "PF-12", "revision_date": "", "wayback_capture": "2022-01-30", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online, during member website profile setup", "quote": "Enter your beneficiary information. ... If you have more than one beneficiary, you'll choose how you want the funds split between them. The total must equal 100 percent.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://docs.payflex.com/Flyers/PayFlex+HSA+Quick+Reference+Guide.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2025-06-25", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (member website)", "quote": "Enter your beneficiary information.", "account_type": "Health Savings Account (HSA)", "page": "1", "source_url": "https://docs.payflex.com/Flyers/PayFlex+HSA+Quick+Reference+Guide.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2025-06-25", "retrieved": "2026-09-24" } } }, { "inst_id": "hsa-umb", "institution": "UMB Bank HSA (UMB Healthcare Services)", "segment": "hsa", "account_group": "hsa", "account_types": [ "UMB Bank Health Savings Account (HSA)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate (form and FAQ)", "quote": "If no Beneficiaries are named on this form or if all the named Beneficiaries predecease me, the HSA funds will be paid to my estate. ... In the absence of a valid beneficiary designation, UMB will distribute the assets comprising the HSA upon accountholder death to their estate.", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://cache.alight.com/client/ysa/downloads/BENEFORM.pdf", "form_number": "", "revision_date": "2006-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share lapses to surviving primaries pro rata; secondaries take only if no primary survives, same rule among them", "quote": "The interest of any Primary Beneficiary who predeceases me shall terminate and the percentage shares of all surviving Primary Beneficiaries shall increase ratably ... If none of the persons listed above as Primary Beneficiaries are living at my death, I designate the following Secondary Beneficiary", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://cache.alight.com/client/ysa/downloads/BENEFORM.pdf", "form_number": "", "revision_date": "2006-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "only where state law requires it (community or marital property states), naming someone other than or besides the spouse", "quote": "The following section should be signed in the event your state requires the consent of your spouse to the designation of a beneficiary other than such spouse ... In certain states, a spouse's consent may be necessary if a person other than, or in addition to the spouse, is named a beneficiary", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://cache.alight.com/client/ysa/downloads/BENEFORM.pdf", "form_number": "", "revision_date": "2006-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates section D of the form; no notary or witness", "quote": "The undersigned spouse of the Account Owner in whose name the Health Savings Account identified above is opened hereby consents to and joins in the designation ... Signature of Spouse", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://cache.alight.com/client/ysa/downloads/BENEFORM.pdf", "form_number": "", "revision_date": "2006-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online in UMB Healthcare Services Online (FAQ); the FAQ also says the completed UMB HSA Beneficiary Designation form must be on file before death", "quote": "Just select your UMB HSA Beneficiary Designation online. Log into your UMB Healthcare Services Online account", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "web page", "source_url": "https://hsa.umb.com/individuals/education/faq/health+savings+account/choosing+a+beneficiary/choosing+a+beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail", "quote": "Return this form to UMB Bank, n.a., Attention: CI Center, P.O. Box 419226 ... Just select your UMB HSA Beneficiary Designation online.", "account_type": "UMB Bank Health Savings Account (HSA)", "page": "1", "source_url": "https://cache.alight.com/client/ysa/downloads/BENEFORM.pdf", "form_number": "", "revision_date": "2006-09", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "voya-401k", "institution": "Voya Financial", "segment": "recordkeeper", "account_group": "hsa", "account_types": [ "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "no; heirs of a predeceased beneficiary cut off", "quote": "If any primary or contingent death beneficiary dies before me, their interest and the interest of their heirs shall terminate completely", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to remaining beneficiaries pro rata; contingents if no primary survives", "quote": "If any primary or contingent death beneficiary dies before me, their interest and the interest of their heirs shall terminate completely, and the percentage share of any remaining death beneficiary(ies) shall be increased on a pro rata basis. ... If no primary death beneficiary(ies) survives me, the contingent death beneficiary(ies) shall", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married owner naming a primary other than the spouse", "quote": "I understand that if I choose to designate a primary death beneficiary other than my spouse, my spouse must sign below.", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "2", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form; no notary or witness line", "quote": "I acknowledge that I have received a fair and reasonable disclosure of my spouse's property and financial obligations. ... Spouse Signature (Required, if applicable.)", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "2", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes a spouse designation on divorce or annulment", "quote": "If you designate your spouse as primary death beneficiary or contingent death beneficiary of the HSA, the dissolution, termination, annulment or other legal termination of your marriage will automatically revoke such designation.", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online portal", "quote": "Beneficiary(ies) may also be added and updated within your online portal.", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; online", "quote": "Complete, sign and mail this form to: Voya Financial, PO Box 1300, Manchester, NH 03105 or fax to: 1-603-232-1854. ... Beneficiary(ies) may also be added and updated within your online portal.", "account_type": "Health Savings Account (Voya Benefits Company; custodian Voya Institutional Trust Company)", "page": "1", "source_url": "https://presents.voya.com/Content/Delivers/harvard/pdf/HSA%20Death%20Beneficiary%20Form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "advanta-ira", "institution": "Advanta IRA", "segment": "brokerage", "account_group": "ira", "account_types": [ "Self-directed IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed", "quote": "Beneficiaries (If naming a trust, please provide first and last page of trust)", "account_type": "Self-directed IRA", "page": "2", "source_url": "https://www.advantaira.com/wp-content/uploads/2024/12/Advanta-IRA-IRA-Application-Packet.pdf", "form_number": "5305", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be primary or contingent", "quote": "Primary Contingent (If naming a trust, please provide a copy of the first and last pages (or an excerpt) of the trust.)", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2026/01/advanta-ira-beneficiary-designation-change-form-2026.pdf", "form_number": "", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "first and last pages, or an excerpt, at designation (2026 form)", "quote": "If naming a trust, please provide a copy of the first and last pages (or an excerpt) of the trust.", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2026/01/advanta-ira-beneficiary-designation-change-form-2026.pdf", "form_number": "", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving beneficiaries take", "quote": "the balance in the account shall be paid to the primary beneficiaries who survive me in equal shares (or in the specified shares, if indicated)", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2026/01/advanta-ira-beneficiary-designation-change-form-2026.pdf", "form_number": "", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "The consent of spouse must be signed only if all of the following conditions are present: a. Your spouse is living; b. Your spouse is not the sole primary beneficiary name", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2026/01/advanta-ira-beneficiary-designation-change-form-2026.pdf", "form_number": "", "revision_date": "2026-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "DocuSign (application packet, which includes the beneficiary section)", "quote": "you may send the completed documents to your account representative (by email or through DocuSign)", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2024/12/Advanta-IRA-IRA-Application-Packet.pdf", "form_number": "5305", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; DocuSign; fax; mail (application packet)", "quote": "you may send the completed documents to your account representative (by email or through DocuSign), fax them to us at 866.385.6045, or mail them", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://www.advantaira.com/wp-content/uploads/2024/12/Advanta-IRA-IRA-Application-Packet.pdf", "form_number": "5305", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-alive", "institution": "Alive Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional and Roth IRA" ], "florida": true, "fields": { "submission_method": { "value": "yes", "detail": "completed and signed credit union form (channel not specified)", "quote": "Your beneficiary designation we have on file will remain in effect unless you change it by completing and signing the form that we have for this purpose.", "account_type": "Traditional and Roth IRA", "page": "1", "source_url": "https://www.alivecu.coop/custom/fi/healthcarecu/fb/disclosure/IRA_Amendment.pdf", "form_number": "", "revision_date": "2014-10", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "cu-alliant", "institution": "Alliant Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "persons or entities; the disclosure statement discusses trust beneficiaries (Ascensus prototype agreement issued by Alliant as custodian)", "quote": "You may designate one or more persons or entities as beneficiary ... trusts may also qualify as a designated beneficiary under the IRA", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "3", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary beneficiary section on the form; no restriction on who may be secondary", "quote": "SECONDARY BENEFICIARY(IES) ... If you have designated both primary and contingent", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no trust paperwork required", "quote": "No trust paperwork is required to be provided to the IRA trustee or custodian.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "6", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "no", "detail": "trustee determines see-through status; no documentation to the custodian", "quote": "The trustee of the trust is responsible for determining whether the trust is a see-through", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "6", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named (treated as no designated beneficiary); estate is also the default", "quote": "If a beneficiary other than a person (e.g., your estate, a charity, or a trust that is not a see-through", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "6", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "3", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "custodian may allow; on a form provided by or acceptable to it; default is the original beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... to name successor beneficiaries for the inherited IRA ... If the original IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "3", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_Traditional_SEP_Disclosure.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to surviving primaries; secondaries take only if primaries predecease", "quote": "In an event that one or more of the primary beneficiaries predeceases owner, the amount allocated to said beneficiary(ies) will be divided among the surviving primary beneficiary(ies) ... Secondary beneficiary(ies) will receive funds only if the primary beneficiary(ies) predeceases the owner.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse signs whenever not named primary for at least 50%; form not limited to community property states", "quote": "If your spouse is not named as a primary beneficiary with at least 50% allocation of IRA funds, then have spouse sign CONSENT OF SPOUSE.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates the form (no notary or witness line); irrevocable, but ends if owner amends without consent", "quote": "I understand that I may not revoke this consent in the future. However, this waiver of my rights will terminate if my spouse (OWNER) amends this designation of beneficiary(ies) without my consent during my lifetime.", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (return to Alliant); fax", "quote": "RETURN COMPLETED FORM TO ALLIANT CREDIT UNION. FAX: (773) 462-8735", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "acknowledgment expected within 30 days", "quote": "If you do not receive acknowledgement within thirty days, please contact our IRA Department", "account_type": "Traditional, Roth and SEP IRA (IRA Beneficiary Designation/Change form and custodial agreements)", "page": "1", "source_url": "https://www.alliantcreditunion.org/images/uploads/files/IRA_BeneficiaryChange.pdf", "form_number": "", "revision_date": "2007-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-ally-bank", "institution": "Ally Bank", "segment": "bank", "account_group": "ira", "account_types": [ "Ally Bank IRA (CDs and savings; beneficiaries help page)", "Ally Bank Inherited Traditional IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes; persons or entities", "quote": "I, the undersigned IRA Owner, hereby designate the above persons/entities as my primary and contingent beneficiary(ies) for this IRA Plan ... (If a trust is a named beneficiary, I must provide a copy of the trust document.)", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each beneficiary line can be marked primary or contingent; no restriction on trusts", "quote": "Primary Beneficiary Contingent Beneficiary ... If a trust is a named beneficiary, I must provide a copy of the trust document.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust document with the designation", "quote": "(If a trust is a named beneficiary, I must provide a copy of the trust document.)", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be designated; also the last default", "quote": "may include your estate, your dependents, or any other persons or entities you may designate", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "7", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then estate", "quote": "If you do not designate a beneficiary or if no primary or contingent designated beneficiary survives you, payments from your IRA shall be made to your surviving spouse or, if you do not have a surviving spouse, to your estate.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "10", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "successor primary and contingent beneficiaries on the inherited IRA application", "quote": "Successor Beneficiary Designation ... I, the undersigned Inherited IRA Owner, hereby designate the above persons/entities as my primary and contingent beneficiary(ies) for this Inherited IRA Plan, payable by reason of my death.", "account_type": "Ally Bank Inherited Traditional IRA (beneficiary naming successor beneficiaries)", "page": "1", "source_url": "https://www.ally.com/resources/pdf/bank/InheritedTraditionalApplicationtoParticipate.pdf", "form_number": "5305-A", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the surviving primaries; contingents only if no primary survives", "quote": "Unless otherwise requested herein, each payment made pursuant to this designation: (a) shall be paid to the primary beneficiary(ies) who are living at the time of my death; or (b) if no primary beneficiary(ies) shall be living at the time of my death, such payment shall be made to the contingent beneficiary(ies) who are then living.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community and marital property states (AK by election) when a non-spouse primary is named", "quote": "For use in community/marital property states AZ, CA, ID, LA, NV, NM, TX, WA, WI (marital property state) ... I am married. I understand that if I want to name a primary beneficiary other than my spouse, my spouse's notarized signature appears below.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse's signature notarized on the form", "quote": "my spouse's notarized signature appears below ... the undersigned Notary Public", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "6 total (primary and contingent); the application has 6 beneficiary blocks", "quote": "You can have up to 6 total beneficiaries (primary and contingent) for each IRA.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online; up to 6 total", "quote": "Ally Bank Individual Retirement Accounts (IRA) Log in to your account on ally.com. Select your plan. Choose Beneficiaries. You must designate a primary beneficiary before adding a secondary.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "wet ink or placed digital signature; typed signatures refused", "quote": "We accept 2 ways to sign: 1) wet ink usinga pen or 2) placement of digital signature. We don't accept typed signatures.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "secure message upload; mail; fax; expedited delivery", "quote": "Log in at ally.com and select Messages, or log in on our app and select . Attach the form to your message. ... Ally Bank Retirement Services P.O. Box 13625 ... Fax Number: 866-699-2969 ... Expedited Delivery", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "1", "source_url": "https://www.ally.com/content/dam/pdf/bank/traditional-ira-app.pdf", "form_number": "5305-A", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "call for the Ally Disclaimer Form; no deadline stated", "quote": "What if I'm a beneficiary and don't want money left in the account? Give us a call at 1-877-247-2559 and request a Disclaimer Form.", "account_type": "Ally Bank IRA (CDs and savings; beneficiaries help page)", "page": "web page", "source_url": "https://www.ally.com/help/bank/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ally", "institution": "Ally Invest (Ally Invest Securities; clearing and custody through Apex Clearing per form)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Primary Beneficiaries (If designating a trust, please provide trust name, names of all trustees, and date established).", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries (If designating a trust, please provide trust name, names of all trustees, and date established).", "account_type": "Traditional IRA", "page": "3", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, trust name, ALL trustees' names, date established", "quote": "If designating a trust, please provide trust name, names of all trustees, and date established.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, names of all trustees and date established", "quote": "If designating a trust, please provide trust name, names of all trustees, and date established.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no fractional percentages or dollar amounts", "quote": "Please note: Share totals must equal 100%. Do not use fractional percentages or dollar amounts.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "free-text \"Special Instructions\" box; no statement on review", "quote": "SPECIAL INSTRUCTIONS ... Please note: Share totals must equal 100%. Do not use fractional percentages or dollar amounts.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consent section with witness (community property wording); unmarried owner certifies", "quote": "I am the spouse of the above-named account holder. ... I hereby give the account holder any interest I have in the funds or property deposited in this account and consent to the beneficiary designation(s) indicated above. ... SIGNATURE OF WITNESS", "account_type": "Traditional IRA", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) spouse consent section with witness (community property wording); unmarried owner certifies", "quote": "I am the spouse of the above-named account holder. ... I hereby give the account holder any interest I have in the funds or property deposited in this account and consent to the beneficiary designation(s) indicated above. ... SIGNATURE OF WITNESS", "account_type": "Traditional IRA", "page": "4", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-ira-beneficiary.pdf", "form_number": "Ally Invest IRA Beneficiary Designation Form V.2", "revision_date": "2023-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "no for Ally Invest IRAs (form upload); primary named at online account opening", "quote": "While opening an Ally Invest IRA account online, you'll be asked to identify at least one primary beneficiary for your account. To update or change your beneficiary, complete the IRA Beneficiary Designation (PDF).", "account_type": "Traditional IRA", "page": "web page", "source_url": "https://www.ally.com/help/invest/iras/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail (overnight address given); upload online", "quote": "Please complete this form in its entirety and return via fax, mail, or online. ... Be sure to sign it, then upload it in the forms section after logging in to your account, fax it to 1-866-699-0563 or mail it to", "account_type": "Traditional IRA", "page": "", "source_url": "https://www.ally.com/content/dam/pdf/invest/invest-trust-application.pdf", "form_number": "69255P-UTCF", "revision_date": "2018-07-13", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "alto-ira", "institution": "Alto IRA (Alto Trust Company)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Self-directed IRA" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate (Roth IRA custodial agreement, Alto Trust Co.)", "quote": "If no beneficiary designation is in effect, if none of the named beneficiaries survive the Depositor, or if the Custodian or Administrator cannot locate any of the named beneficiaries after reasonable search, any balance in the Custodial Account will be payable to the Depositor's estate.", "account_type": "Self-directed IRA", "page": "7", "source_url": "https://www.altoira.com/wp-content/uploads/2022/11/Alto-Trust-Co-5305-Roth-IRA.pdf", "form_number": "25094Y", "revision_date": "2017-04", "wayback_capture": "2023-02-05", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if permitted, by Subsequent Beneficiary Designation Form; else to the original beneficiary's estate", "quote": "If the Custodian or Administrator permits, in the event of the Depositor's death, any beneficiary may name a subsequent beneficiary, or beneficiaries", "account_type": "Self-directed IRA", "page": "7", "source_url": "https://www.altoira.com/wp-content/uploads/2022/11/Alto-Trust-Co-5305-Roth-IRA.pdf", "form_number": "25094Y", "revision_date": "2017-04", "wayback_capture": "2023-02-05", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online in Settings", "quote": "Click on the Beneficiaries tab in the Settings menu on the left-hand side of the screen. 4. You can begin to add a beneficiary by clicking Add Beneficiary .", "account_type": "Self-directed IRA", "page": "web page", "source_url": "https://www.altoira.com/help-center/add-a-beneficiary-or-contingent-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (Settings, Beneficiaries tab); Support team for names over 64 characters", "quote": "Click on the Beneficiaries tab in the Settings menu ... If you need to list a beneficiary longer than 64 characters, please reach out to our Support team", "account_type": "Self-directed IRA", "page": "web page", "source_url": "https://www.altoira.com/help-center/add-a-beneficiary-or-contingent-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-america-first", "institution": "America First Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "America First IRA beneficiary (Form #424, not saved)" ], "florida": false, "fields": { "submission_method": { "value": "yes", "detail": "IRA beneficiaries only on AFCU Form #424 (not saved); the share POD form cannot be used", "quote": "NOTE: This form does not designate PODs for IRA or Trust Accounts. An IRA Beneficiary (POD) MUST be designated on AFCU Form #424.", "account_type": "America First IRA beneficiary (Form #424, not saved)", "page": "1", "source_url": "https://www.americafirst.com/content/dam/documents/pod-es.pdf", "form_number": "Form #40", "revision_date": "", "wayback_capture": "2026-05-09", "retrieved": "2026-09-24" } } }, { "inst_id": "ameriprise", "institution": "Ameriprise Financial (Ameriprise Trust Company, custodian)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Rollover, SEP, SIMPLE)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (option E \"Other\")", "quote": "E. Other (Person, Trust, Organization, etc) ... Beneficiary Name* (Full Name of Person, Trust or Organization) ... Trust Date* If named", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes (\"Secondary\")", "quote": "Select One * Primary / Secondary", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and trust date (required); trustees confirmed at claim; testamentary trust needs will article and paragraph", "quote": "Please provide the full name of your trust and trust creation date on the beneficiary form you submit. The names of trustees will be confirmed at claim time. ... If a Testamentary Trust is designated, please provide the article and paragraph number from the Will in the designation.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and creation date; trustee names not needed", "quote": "Please provide the full name of your trust and trust creation date on the beneficiary form you submit. The names of trustees will be confirmed at claim time.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; trust document requested at claim", "quote": "The trust document itself is not required when you are naming a trust as your beneficiary. The Trust document will be requested at claim time.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "only in preset family options B and D (owner's children, then grandchildren, per stirpes); not a checkbox for other beneficiaries (use Text Other)", "quote": "B. Spouse if Living, if not, Children Per Stirpes. ... D. Living Lawful Children With Rights of Survivorship per Stirpes.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a predeceased child's share goes to that child's children, per stirpes; stepchildren excluded", "quote": "if a child of the owner has died before the owner, the share which the child would have received if he or she survived the owner will be paid to his or her children legally born to, or legally adopted by that deceased child, per stirpes.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "preset classes of the owner's lawful children (with or without per stirpes to grandchildren); stepchildren excluded", "quote": "For options A-D, do not list children's names, these will be requested at claim time. ... Living Lawful Children With Rights of Survivorship per Stirpes.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, option F \"Text Other\" free-text or attachment, subject to corporate office approval", "quote": "F. Text Other. Use this option only if none of the above options apply or if you are unsure of which option to select. This designation is subject to the approval of the corporate office. ... If an attachment is required to complete the beneficiary designation, include the IRA Plan Type, Client ID, signature date and all appropriate signatures.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "corporate office approval; complex designations reviewed before acceptance", "quote": "Please note that complex beneficiary designations need to be reviewed prior to being accepted and will take additional time before they will be added to your account. ... All beneficiary designations are subject to the approval of the corporate office.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes; can pre-name UTMA custodian and successor custodian", "quote": "If any beneficiary listed in this form is a minor, I hereby request that proceeds be paid to: ___ as custodian under the ___ (name of state) UTMA (not available in Vermont or South Carolina). In the event that the custodian named above is unable to serve at the time of settlement, I designate ___ as successor custodian.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "3", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes via \"Other\"; estate is last default", "quote": "If there is no surviving spouse or living, lawful children, the beneficiary shall be deemed to be the Depositor's estate.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "8", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_4220-1.pdf", "form_number": "", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then living lawful children, then estate", "quote": "If all such designated beneficiaries have predeceased the Depositor, or if at the time of the Depositor's death there is no designation of beneficiary then in effect, the beneficiary shall be deemed to be the Depositor's surviving spouse, if any. If there is no surviving spouse, then the beneficiary shall be deemed to be the Depositor's living, lawful children. If there is no surviving spouse or living, lawful children, the beneficiary shall be deemed to be the Depositor's estate.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "8", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_4220-1.pdf", "form_number": "", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; same form lists \"Inherited IRA\" with decedent name; agreement applies beneficiary rules to the beneficiary", "quote": "Inherited IRA* ... * If you are naming a beneficiary designation for an Inherited IRA, indicate the name of the decedent", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, preset \"spouse if living, if not children\" options A-D with rights of survivorship; default for E is \"equally with rights of survivorship\"", "quote": "Unless specifically noted on this form, all designations will be considered to be equally with rights of survivorship.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, community property states (9 listed) if spouse not sole primary; required even if spouse is trustee of a trust named 100%", "quote": "Consent of Spouse - This consent of spouse must be signed if all of the following conditions are present: (a) the spouse of the owner is living, (b) the spouse is not the sole primary beneficiary named and (c) the owner and spouse are residents of a community property state", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "3", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines under option E; attach more under option F", "quote": "I have a long designation and need more room on the form; what should I do? Complete the form requirements as usual but Check the Option Circle \"F\" called \"Text Other\" on your beneficiary form and write, \"See Attached.\"", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes", "quote": "Naming or changing a beneficiary can be completed: Online in the secure site on ameriprise.com", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; through the financial advisor; paper form 3993; not by phone", "quote": "Online in the secure site on ameriprise.com ... Contact your financial advisor to fill out a new form that can be sent to you for signature ... By completing one of the following forms", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "online immediate; forms within five business days; confirmation letter in two to four weeks", "quote": "When updated online, your beneficiary information will show immediately on the secure site Beneficiaries page. When you submit a form, your beneficiary designation will be reviewed and acknowledged within five business days.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "timely disclaimers accepted (services table); no procedure described", "quote": "Accepts timely disclaimer of beneficiary's benefits", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "13", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_4220-1.pdf", "form_number": "", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "apex-clearing", "institution": "Apex Clearing Corporation (Apex Fintech Solutions)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA (Apex as custodian)", "Roth IRA (Apex custodial agreement 69164P-QPNA)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Do not use fractional percentages or dollar amounts", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; payment to parent, guardian, conservator, trustee or legal representative at Apex's discretion", "quote": "If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian,", "account_type": "Roth IRA (Apex custodial agreement 69164P-QPNA)", "page": "15", "source_url": "https://cdn.firstrade.com/forms/en-us/roth_firstrade.pdf?token=MjAyNi0wMS0wOSAxNjo0MjoxNQ%3D%3D", "form_number": "FTCRS2024", "revision_date": "2025-12-29", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per custodial agreement (not retrieved)", "quote": "If none of the Primary or Contingent beneficiaries I have designated survives me, any interest I may have in this IRA shall be paid in accordance with the rules and procedures specified in the 'Beneficiaries' section of the IRA Custodial Agreement governing this IRA.", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at Apex's discretion if state law permits; beneficiary's estate is default successor", "quote": "We may allow, if permitted by state law, an original Roth IRA beneficiary(ies) (the beneficiary(ies) who is entitled to receive distribution(s) from an inherited Roth IRA at the time of your death) to name a successor beneficiary(ies) for the inherited Roth IRA.", "account_type": "Roth IRA (Apex custodial agreement 69164P-QPNA)", "page": "15", "source_url": "https://cdn.firstrade.com/forms/en-us/roth_firstrade.pdf?token=MjAyNi0wMS0wOSAxNjo0MjoxNQ%3D%3D", "form_number": "FTCRS2024", "revision_date": "2025-12-29", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; no per stirpes", "quote": "If the death of one or more designated Primary Beneficiary(ies) precedes my death, the interest they would have received from this IRA will be paid, upon my death, to my surviving Primary Beneficiary(ies) Pro Rata such that 100% is paid to the surviving primary beneficiary(ies)", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states; owner decides if needed", "quote": "Consent of the Account holder's (Participant) Spouse may be required (for example, in a Community Property or Marital Property State) to effectively designate a beneficiary other than or in addition to the Participant's Spouse.", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signature with a witness signature", "quote": "Signature of Spouse Date Signature of Witness", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 primary and 5 contingent lines; attach another form for more", "quote": "If more space is needed for additional Primary Beneficiaries, please attach another form.", "account_type": "Traditional and Roth IRA (Apex as custodian)", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-apple-bank", "institution": "Apple Bank", "segment": "bank", "account_group": "ira", "account_types": [ "Traditional, Roth and SIMPLE IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entities may be named; the spousal consent note refers to a trust beneficiary", "quote": "I designate the persons or entities named above as my primary and/or ... contingent beneficiaries of this IRA ... Spousal consent should be considered if either the trust or the residence of", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "trust_contingent": { "value": "yes", "detail": "entities may be named in either tier", "quote": "I designate the persons or entities named above as my primary and/or ... contingent beneficiaries of this IRA", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "default_beneficiary": { "value": "yes", "detail": "the owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "predeceased share goes pro rata to remaining beneficiaries; contingents take only if all primaries predecease; equal shares if no percentages", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis. ... The balance in the account will be payable to these beneficiaries if all primary beneficiaries have predeceased the IRA owner.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "spousal_consent": { "value": "yes", "detail": "spousal consent is advised when the owner or trust is in a community or marital property state and a married owner names someone other than or in addition to the spouse", "quote": "Spousal consent should be considered if either the trust or the residence of ... I understand that if I choose to designate a primary ... beneficiary other than or in addition to my spouse, my spouse should", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs Part 4 with a witness signature; no notary", "quote": "I hereby relinquish any interest that I may have in this IRA and consent to ... Signature of Spouse", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; addendum pages allowed", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "deliver the form to Apple Bank Pension Services Department (250 West 23rd Street, New York); channel not specified", "quote": "I understand that I may replace my beneficiary designations at any time by ... completing and delivering the proper form to the trustee or custodian", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.applebank.com/AppleBank/media/Documents/PDFs/IRA-Beneficiary-Designation-Form.pdf", "form_number": "", "revision_date": "2020-09", "wayback_capture": "2021-12-02", "retrieved": "2026-09-26" } } }, { "inst_id": "bank-axos-bank", "institution": "Axos Bank", "segment": "bank", "account_group": "ira", "account_types": [ "Axos Clearing IRA (advisor custody)", "Axos Bank Traditional and Roth IRA (Beneficiary Designation DEP 520, 10/18; IRA Account Agreement 5305-A, Ascensus 100 Rev. 4/2020)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "full legal title, all trustees, trust date", "quote": "To designate a trust as a beneficiary, enter the beneficiary information as follows. Beneficiary Name. Provide the full legal title of the trust. Include a list of all trustees and the date of the trust.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each beneficiary line is marked primary or contingent; trusts allowed (Axos Clearing LLC form)", "quote": "The beneficiary must be an individual, trust, or entity. ... Select one: Primary Beneficiary Contingent Beneficiary", "account_type": "Axos Clearing IRA (advisor custody)", "page": "1", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "title, trustees, date, TIN", "quote": "Provide the full legal title of the trust. Include a list of all trustees and the date of the trust. ... Provide the Tax Identification Number (TIN) or the social security number for the trust.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full legal title, list of all trustees and trust date", "quote": "Provide the full legal title of the trust. Include a list of all trustees and the date of the trust.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "not accepted", "quote": "the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations", "account_type": "Axos Clearing IRA (advisor custody)", "page": "1", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary must be named; class terms refused", "quote": "The beneficiary must be named on this form. For example, the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations for \"Beneficiary Name\".", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"spouse\", \"children\", \"per stirpes\" refused as names", "quote": "the terms 'spouse', 'children', or 'per stirpes' are not acceptable designations for \"Beneficiary Name\"", "account_type": "Axos Clearing IRA (advisor custody)", "page": "1", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "only the custodian's form, completed by the owner alone", "quote": "The IRA Custodian shall not accept any other document to designate a beneficiary of this IRA, and shall accept no Beneficiary Designation form that has been completed and submitted on my behalf by a third party.", "account_type": "Axos Bank Traditional and Roth IRA (Beneficiary Designation DEP 520, 10/18; IRA Account Agreement 5305-A, Ascensus 100 Rev. 4/2020)", "page": "2", "source_url": "https://www.axosbank.com/-/media/Axos/Documents/Forms/personal-support-forms/DEP---520-BOFI-IRA-Beneficiary-Designation.pdf", "form_number": "", "revision_date": "2018-10", "wayback_capture": "2019-10-17", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named (also the default)", "quote": "If a beneficiary other than a person (e.g., your estate, a charity, or a certain type of trust) is named, you will be treated as having no designated beneficiary", "account_type": "Axos Bank Traditional and Roth IRA (Beneficiary Designation DEP 520, 10/18; IRA Account Agreement 5305-A, Ascensus 100 Rev. 4/2020)", "page": "7", "source_url": "https://www.axos.com/documents/individual-retirement-custodial-account-agreement", "form_number": "5305-A", "revision_date": "2020-04", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If there is no valid beneficiary information designated, your estate is the beneficiary.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "1", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "discretionary, on a form acceptable to the custodian; default is the original beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... to name successor beneficiaries for the inherited IRA. ... If the original IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary.", "account_type": "Axos Bank Traditional and Roth IRA (Beneficiary Designation DEP 520, 10/18; IRA Account Agreement 5305-A, Ascensus 100 Rev. 4/2020)", "page": "4", "source_url": "https://www.axos.com/documents/individual-retirement-custodial-account-agreement", "form_number": "5305-A", "revision_date": "2020-04", "wayback_capture": "2026-04-21", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share (and heirs' interest) lapses; remaining primaries increase proportionately; contingents take only if no primary survives", "quote": "If any primary or contingent beneficiary dies before the account owner, their interest and the interest of their heirs will terminate completely.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's warranty", "quote": "statutes and I do not designate my spouse as the sole primary beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "1", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 lines; more on an Additional Information Account Addendum", "quote": "More than six beneficiaries. If you would like to designate additional beneficiaries, complete, sign, and provide an Additional Information Account Addendum form", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "only for dormant accounts", "quote": "Notary Public/Signature Guarantee (required for dormant accounts)", "account_type": "Axos Bank Traditional and Roth IRA (Beneficiary Designation DEP 520, 10/18; IRA Account Agreement 5305-A, Ascensus 100 Rev. 4/2020)", "page": "2", "source_url": "https://www.axosbank.com/-/media/Axos/Documents/Forms/personal-support-forms/DEP---520-BOFI-IRA-Beneficiary-Designation.pdf", "form_number": "", "revision_date": "2018-10", "wayback_capture": "2019-10-17", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the investment advisor (no address given)", "quote": "Return your completed form as instructed by your Investment Advisor or your client representative.", "account_type": "Axos Clearing IRA (advisor custody)", "page": "2", "source_url": "https://assets.axos.com/o9ov1v03uwqk/6mKgfoU6iYBMW8sHcfCRGF/18fbec5cee7ee1ef5e6e11efdb27bfd6/ira-beneficiary-designation-or-change-request-1.pdf", "form_number": "IRA Beneficiary Designation or Change Request", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bank-of-america", "institution": "Bank of America, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "spouse, then estate", "quote": "If the Participant does not designate any beneficiary, the entire balance in the IRA will be paid to the Participant's Spouse, and if no spouse, his/her estate.", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to surviving primaries equally; contingents only if no primary survives", "quote": "if a Primary Beneficiary does not survive the Participant, that Primary Beneficiary's share is allocated in equal shares among the surviving Primary Beneficiaries. If no Primary Beneficiary survives the Participant, payment is made to the Contingent Beneficiaries.", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states when a non-spouse primary is named", "quote": "Spousal Consent (For residents of community property states) This section must be used when a Primary Beneficiary other than the Participant's spouse is named.", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form with a witness signature; no notary stated", "quote": "I hereby consent to the beneficiary designation made above. I understand that by giving this consent ... Signature of Spouse ... Signature of Witness", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; more on an attached Additional Beneficiaries Form", "quote": "Primary Beneficiaries (You may designate one or more Primary Beneficiaries) ... Additional Primary and/or Contingent Beneficiaries have been designated on the attached", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper Bank form; online self-service covers POD deposit accounts, IRAs go through a financial center appointment", "quote": "No beneficiary designation will be effective unless it is made in writing, on the appropriate Bank form, and is executed and delivered to Bank of America prior to the death of the Participant. ... If you're updating a retirement account or you prefer to meet with us in person, you can schedule an appointment", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "1", "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/IRA_Beneficiary_Chg.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in person at a financial center (form has a banking center and associate section)", "quote": "You can download and complete a Bank of America IRA beneficiary change form ... prior to your appointment ... It is not necessary for the beneficiary to attend the financial center appointment", "account_type": "Bank of America, N.A. IRA (Traditional and Roth IRA Plan, deposit IRA)", "page": "web page", "source_url": "https://www.bankofamerica.com/signature-services/account-ownership-changes/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "betterment", "institution": "Betterment", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "online in Settings", "quote": "you can make your trust a beneficiary of a Betterment IRA. This can be done by selecting \"Settings\" from the menu and then \"Accounts\".", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/help/tag/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "allowed but not recommended; court-appointed custodian or guardian before payout", "quote": "If a minor should be appointed as a beneficiary of an account, Betterment may require court-appointed custodial documentation or an official guardian for the minor beneficiary prior to any funds being transferred.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/help/minors-as-beneficiaries", "form_number": "", "revision_date": "2021-07-15", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states, spouse not sole primary", "quote": "If you live in a state with community property statutes and do not designate your spouse as the sole primary beneficiary, you represent and warrant that your spouse has consented to such designation.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "owner's representation only; no spouse signature or notary collected", "quote": "you represent and warrant that your spouse has consented to such designation", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online", "quote": "you can make your trust a beneficiary of a Betterment IRA. This can be done by selecting \"Settings\" from the menu and then \"Accounts\".", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/help/tag/trust-accounts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online only (Settings, Accounts)", "quote": "You understand that any change or revocation must be provided in writing to Betterment via the Betterment interface.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.betterment.com/legal/beneficiary-designation-disclosure", "form_number": "", "revision_date": "2025-12-22", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-bny-mellon", "institution": "BNY Mellon, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name and date", "quote": "Beneficiary's Full Name (first, middle, last) or Trust Name Date of Birth/Trust (month/day/year)", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "2", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes (secondary)", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee name and address, trust name and date", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ist-transfer-on-death-form.pdf", "form_number": "ist-transfer-on-death-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name and address plus trust name and date", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian required; owner cannot be custodian", "quote": "If a beneficiary is a minor, you must designate a custodian and provide the minor's date of birth. ... Custodian, if beneficiary is a minor (account owner cannot be designated as the custodian)", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "designation is in effect upon notification of your death, the balance in your account(s) will be paid to your Estate.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "im-ira-beneficiary-designation-form", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes (custodial agreement 2(c))", "quote": "after your death, your Beneficiary may designate and/or change a Beneficiary to receive any undistributed portion of the Account at the death of the Beneficiary", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "2", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ira-plan-disc-form.pdf", "form_number": "IRDS-0324", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries; secondaries only if all primaries predecease", "quote": "Any secondary beneficiary you name will receive all or a portion of your IRA balance(s) only if all primary beneficiaries die before you. For example, if you name two primary beneficiaries but one of them dies before you, the entire balance will be paid to the surviving beneficiary.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines per level on RET-BEN-0124 (8 on IM-BEN-0525); extra sheet allowed", "quote": "If designating more than three primary or secondary beneficiaries, check the box below and attach a separate sheet of paper to this form with all beneficiary information.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (IM-BEN-0525)", "quote": "For IRAs only, please note that beneficiaries can be added or changed by logging into your account online at www.bnyfunds.com.", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "4", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail (regular or overnight) to BNY Shareholder Services, Pittsburgh", "quote": "For IRAs only, please note that beneficiaries can be added or changed by logging into your account online ... Please mail this completed form to", "account_type": "BNY mutual fund IRA (form IM-BEN-0525; The Bank of New York Mellon custodian; BNY Mellon Securities Corporation forms)", "page": "4", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-becu", "institution": "Boeing Employees' Credit Union (BECU)", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional and Roth IRA (IRA savings and IRA CDs)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust (organization type Trust) can be the named beneficiary of a BECU IRA; primary/contingent not distinguished; only the claim form is public", "quote": "Please complete this form as the representative of an organization named as a beneficiary of a ... Organization Type", "account_type": "Traditional and Roth IRA (IRA savings and IRA CDs)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/2101-BECU-IRA-Beneficiary-Disbursement-Election-Organization.pdf?la=en&rev=0a9ca0cef87b418ca24251cbb05c45bb&sc_lang=en&hash=42A7416359AAD3F0827881AA8917A9A0", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, BECU may request documents proving the representative's authority", "quote": "BECU may request additional documentation to verify your authority to claim funds on behalf", "account_type": "Traditional and Roth IRA (IRA savings and IRA CDs)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/2101-BECU-IRA-Beneficiary-Disbursement-Election-Organization.pdf?la=en&rev=0a9ca0cef87b418ca24251cbb05c45bb&sc_lang=en&hash=42A7416359AAD3F0827881AA8917A9A0", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the organization IRA claim form lists Estate among organization types", "quote": "Please complete this form as the representative of an organization named as a beneficiary of a", "account_type": "Traditional and Roth IRA (IRA savings and IRA CDs)", "page": "1", "source_url": "https://www.becu.org/-/media/Files/PDF/2101-BECU-IRA-Beneficiary-Disbursement-Election-Organization.pdf?la=en&rev=0a9ca0cef87b418ca24251cbb05c45bb&sc_lang=en&hash=42A7416359AAD3F0827881AA8917A9A0", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "capital-group", "institution": "Capital Group / American Funds (direct IRAs)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, SEP, Roth and SIMPLE IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "full legal trust name", "quote": "If you name a trust as beneficiary, provide the full legal name of the trust. Example: \"The Davis Family Trust.\"", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust line for contingents", "quote": "Contingent beneficiary percentages must total 100%. 1. OR First name MI Last name Name of trust or other entity", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full legal name, trust date, TIN", "quote": "provide the full legal name of the trust ... Date of birth or trust (mm/dd/yyyy) ... SSN/TIN", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full legal trust name and trust date; no trustee name", "quote": "If you name a trust as beneficiary, provide the full legal name of the trust. ... Date of birth or trust (mm/dd/yyyy)", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no will or \"trust under will\" references; whole percentages only", "quote": "We cannot accept beneficiary designations that reference \"will\" or \"trust under will.\" ... All stated percentages must be in whole numbers (e.g., 33%, not 33.3%).", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children equally (a predeceased child's share to that child's children), then estate", "quote": "the assets will be paid according to the Custodial Agreement default designation: The account owner's spouse will be the beneficiary or, if none, the owner's children equally ... If none of the above survives the account owner, the beneficiary is the owner's estate", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "web page", "source_url": "https://www.capitalgroup.com/individual/service-and-support/ira/beneficiary.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "inherited IRA owner names subsequent beneficiaries on a separate form", "quote": "The subsequent beneficiary inherits any remaining assets upon the original beneficiary's passing. ... For inherited traditional, Roth and/or SIMPLE IRAs, use the Inherited IRA Beneficiary Change.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "web page", "source_url": "https://www.capitalgroup.com/individual/service-and-support/ira/beneficiary.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportional unless otherwise indicated", "quote": "If any designated primary beneficiary(ies) dies before I do, that beneficiary's share will be divided proportionately among the surviving primary beneficiaries unless otherwise indicated.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs Section 3; no notary; no Acrobat fill-and-sign", "quote": "I am the spouse of the individual named in Section 1, and I expressly consent to the beneficiary(ies) designated in Section 2 or attached. ... This document may not be signed using Adobe Acrobat Reader's \"fill and sign\" feature.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "3", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes a spouse designation", "quote": "Effective immediately upon the divorce, annulment or other lawful dissolution of my marriage, the designation shall be null and void, unless after the dissolution of my marriage I affirmatively elect to name my former spouse as my non-spouse beneficiary.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 2 contingent lines (a trust only on the first line of each); attach a separate page", "quote": "If you need more space, attach a separate page with the name, address, relationship, date of birth or trust, SSN/TIN and percentage for each beneficiary.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online unless spousal consent is required; otherwise the paper form", "quote": "If spousal consent is not required, you may update beneficiary information by logging in to your account at www.capitalgroup.com.", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (if no spousal consent); mail; upload; fax", "quote": "you may update beneficiary information by logging in to your account at www.capitalgroup.com ... If mailing, choose the service center for your state. ... Investor upload www.capitalgroup.com/submit", "account_type": "Traditional, SEP, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.capitalgroup.com/individual/pdf/shareholder/editable/irgefm-004_iraben.pdf", "form_number": "IRGEFM-004-0426O", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-capital-one", "institution": "Capital One, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "no", "detail": "fixed lapse rule; no per stirpes option", "quote": "The interest of any beneficiary that predeceases me terminates completely", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving beneficiaries; contingents only if all primaries predecease", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis.", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "1", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "consent section for married owners (community or marital property states)", "quote": "Spousal consent should be considered if either the trust or the residence of the IRA owner is located in a community or marital property state. ... if I choose to designate a primary beneficiary other than or in addition to my spouse, my spouse should sign below.", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "2", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates before a witness; no notary", "quote": "I hereby give the IRA owner my interest in the assets or property deposited in this IRA and consent to the beneficiary designation indicated above. ... Signature of Spouse ... Signature of Witness", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "2", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; addendum allowed", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Capital One 360 IRA (Traditional, Roth, SIMPLE; form 301/2303 rev. 5/2012)", "page": "2", "source_url": "https://ecm.capitalone.com/WCM/bank/pdfs/ira-change-beneficiary-form.pdf", "form_number": "", "revision_date": "2012-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-capitol-federal-savings-bank", "institution": "Capitol Federal Savings Bank", "segment": "bank", "account_group": "ira", "account_types": [ "IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named; the funds go to an inherited IRA in the trust's name and a spouse who is a trust beneficiary cannot roll them over", "quote": "If a trust is named as a beneficiary of an IRA instead of the IRA holder's spouse and the IRA holder then passes away, the IRA funds will be transferred to an Inherited IRA under the name of the trust.", "account_type": "IRA", "page": "web page", "source_url": "https://www.capfed.com/en/Personal/Savings/IRAs/IRA-Beneficiary-Designations", "form_number": "", "revision_date": "", "wayback_capture": "2024-09-16", "retrieved": "2026-09-26" }, "per_capita_offered": { "value": "yes", "detail": "per capita (in CapFed's sense, survivors among the named beneficiaries) is the bank's payment basis, not an election", "quote": "Capitol Federal pays IRA funds to the beneficiaries on a per capita basis.", "account_type": "IRA", "page": "web page", "source_url": "https://www.capfed.com/en/Personal/Savings/IRAs/IRA-Beneficiary-Designations", "form_number": "", "revision_date": "", "wayback_capture": "2024-09-16", "retrieved": "2026-09-26" }, "minors": { "value": "yes", "detail": "a minor may be named; a parent must be court-appointed conservator (no UTMA custodian option described)", "quote": "If a minor is named as a beneficiary, they are not allowed to control the IRA funds. The parent will be required to go to probate court and be appointed as a conservator to manage the IRA on their behalf until the child reaches the age of majority.", "account_type": "IRA", "page": "web page", "source_url": "https://www.capfed.com/en/Personal/Savings/IRAs/IRA-Beneficiary-Designations", "form_number": "", "revision_date": "", "wayback_capture": "2024-09-16", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "a predeceased primary's share passes to the remaining named beneficiaries, not to that beneficiary's heirs", "quote": "A per capita beneficiary designation specifies that if an IRA holder names multiple primary beneficiaries and one of the beneficiaries passes away, the funds will pass to the remaining named beneficiaries upon the IRA holder's death. The funds will not pass to the heirs of the deceased beneficiary.", "account_type": "IRA", "page": "web page", "source_url": "https://www.capfed.com/en/Personal/Savings/IRAs/IRA-Beneficiary-Designations", "form_number": "", "revision_date": "", "wayback_capture": "2024-09-16", "retrieved": "2026-09-26" } } }, { "inst_id": "bank2-centier-bank", "institution": "Centier Bank", "segment": "bank", "account_group": "ira", "account_types": [ "Safe Harbor IRA (Traditional, Roth, SIMPLE)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "1", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "pro rata to remaining beneficiaries; contingents take if all primaries predecease", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "1", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "spousal_consent": { "value": "yes", "detail": "recommended (community or marital property state), not required", "quote": "Spousal consent should be considered if either the trust or the residence of the IRA owner is located in a community or marital property state.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "2", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates, with a witness signature line", "quote": "I hereby relinquish any interest that I may have in this IRA and consent to the beneficiary designation indicated above.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "2", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "max_beneficiaries": { "value": "no", "detail": "5 lines per tier; addendums allowed", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "2", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "deliver the form to the custodian (Centier Bank Safe Harbor IRA, Merrillville, Indiana)", "quote": "I understand that I may replace my beneficiary designations at any time by completing and delivering the proper form to the trustee or custodian.", "account_type": "Safe Harbor IRA (Traditional, Roth, SIMPLE)", "page": "2", "source_url": "https://www.centier.com/docs/default-source/resources/safe-harbor/beneficiary-designation-or-change-form.pdf?sfvrsn=c4ecbdd1_1", "form_number": "", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-26" } } }, { "inst_id": "schwab", "institution": "Charles Schwab (incl. legacy TD Ameritrade accounts converted to Schwab)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also 403(b)(7))", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Relationship (Select only one.) ... Trust", "account_type": "Traditional IRA (also 403(b)(7))", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Traditional IRA (also 403(b)(7))", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "partial, full trust name, TIN, trust date; no trustee", "quote": "If Trust, include full Trust name. ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Traditional IRA (also 403(b)(7))", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date; no trustee name asked", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Traditional IRA (also 403(b)(7))", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, for individuals only; one election per account", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account. ... Per stirpes and per capita are options for individual beneficiaries only; for trusts or organizations (such as charities), designate only a percentage.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "Schwab's own definition, limited to the named beneficiary's living children (one generation); may differ from state law", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's children and no further descendants. ... The definition of per stirpes and per capita in this form may differ from the definition of per stirpes and per capita under your state's laws and/or your will or trust.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; Schwab's own one-generation definition", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "3", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only; a later-born child is not included", "quote": "you. Your designation of named individuals who ... may be in the same class as other individuals ... (e.g., your children or grandchildren) will not ... include the other unnamed members of that", "account_type": "Traditional IRA (also 403(b)(7))", "page": "9", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no statement accepting custom language; attachment only for extra names; designation must be \"on the form provided\"", "quote": "You must designate your beneficiaries in writing on the form provided. ... If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this application.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Relationship (Select only one.) ... Trust / Organization / Estate", "account_type": "Traditional IRA (also 403(b)(7))", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then living children equally (not stepchildren), then estate", "quote": "If I do not designate a Beneficiary, the balance of the account shall be distributed in the listed order of priority to the following named person(s) surving [sic] me: a) my spouse, b) my living children (natural or legally adopted) in equal shares; stepchildren are not legally defined as descendants for these purposes, c) my estate.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes, on the Inherited IRA application (section 7) or this form", "quote": "7. Designate Your Beneficiary(ies) ... If you wish to indicate additional designation options, including, but not limited to Per Stirpes or Per Capita designations, please skip this section, complete the Schwab Beneficiary Designation form for IRA and 403(b)(7) Accounts, and submit it with this application.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "8", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, per capita; an Authorized Party must certify who takes", "quote": "If all of your named beneficiaries die before you, Schwab will distribute your assets equally among all of the living children of your named beneficiaries, if any. ... If you indicate per stirpes or per capita for a named beneficiary, Schwab will require the Authorized Party (named in Section 5) to certify the identity of the per stirpes/per capita beneficiary(ies) prior to distributing your assets.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, owner warrants spouse consented; no spouse signature line", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on", "account_type": "Traditional IRA (also 403(b)(7))", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login required)", "quote": "If you wish to indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "Traditional IRA (also 403(b)(7))", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch; online options at schwab.com/beneficiaries", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "Traditional IRA (also 403(b)(7))", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank2-comenity-capital-bank", "institution": "Comenity Capital Bank", "segment": "bank", "account_group": "ira", "account_types": [ "Traditional and Roth IRA (retirement savings and CDs)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "persons or entities may be named; the disclosure discusses see-through trusts as beneficiaries", "quote": "You may designate one or more persons or entities as beneficiary ... trusts may also qualify as a designated beneficiary under the IRA", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "trust_contingent": { "value": "yes", "detail": "primary and contingent tiers exist; entities may be named in either (the beneficiary form itself is not saved)", "quote": "If you have designated both primary and contingent", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "trust_docs_requested": { "value": "no", "detail": "the trustee of the trust determines see-through status; no trust paperwork goes to the custodian", "quote": "No trust paperwork is required", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "6", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "see_through_certification": { "value": "no", "detail": "the trustee, not the custodian, determines see-through status; no documentation required", "quote": "The trustee of the trust is ... responsible for determining whether the trust is a see-through ... No trust paperwork is required", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "6", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "estate_allowed": { "value": "yes", "detail": "the disclosure treats a named estate as a non-designated beneficiary; the estate is also the default", "quote": "trusts may also qualify as a designated beneficiary under the IRA ... your estate, a charity, or a trust that is not a see-through", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "6", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no designation or all primary and contingent beneficiaries predecease", "quote": "If you do not designate a beneficiary or if all of your primary ... and contingent beneficiaries predecease you, your estate will be", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "successor_beneficiary": { "value": "yes", "detail": "at the custodian's option and if state law permits; otherwise the original beneficiary's estate is successor", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... beneficiaries for the inherited IRA. This designation can only be ... successor beneficiary, his or her estate will be the successor", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "lapse_rule": { "value": "yes", "detail": "contingents take if no primary survives; the treatment of one predeceased primary among several is not stated", "quote": "beneficiaries and no primary beneficiary survives you, the ... contingent beneficiaries will acquire the designated share of your", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" }, "submission_method": { "value": "yes", "detail": "filed with the custodian during the owner's lifetime (channel not stated)", "quote": "and it will only be effective when it is filed ... with us during your lifetime", "account_type": "Traditional and Roth IRA (retirement savings and CDs)", "page": "3", "source_url": "https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2026-02-17", "retrieved": "2026-09-26" } } }, { "inst_id": "directed-trust", "institution": "Directed Trust Company (Directed IRA)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Self-directed IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust relationship box", "quote": "If you are designating your Trust as either Primary or Contingent Beneficiary, please submit a copy of the trust documents.", "account_type": "Self-directed IRA", "page": "2", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "If you are designating your Trust as either Primary or Contingent Beneficiary, please submit a copy of the trust documents.", "account_type": "Self-directed IRA", "page": "2", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust documents at designation", "quote": "If you are designating your Trust as either Primary or Contingent Beneficiary, please submit a copy of the trust documents.", "account_type": "Self-directed IRA", "page": "2", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "I improperly name a beneficiary my account will be distributed to my surviving spouse, if there is one or my estate, in accordance to the Directed Trust Company Custodial Account Agreement for my account.", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's warranty (community property)", "quote": "and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Self-directed IRA", "page": "1", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "e-signature accepted with a certification page or stamp", "quote": "Please note electronic signatures on this form must include the electronic signature Certification page or Certification Stamp. If one is not included, we will not accept this form.", "account_type": "Self-directed IRA", "page": "3", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload; email; mail; fax", "quote": "Secure File Upload ... Email Forms to ... Send Mail to ... Fax: (602) 899-9641", "account_type": "Self-directed IRA", "page": "3", "source_url": "https://directedira.com/beneficiary-designation.pdf", "form_number": "Beneficiary Designation Form", "revision_date": "06_26_2023", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "etrade", "institution": "E*TRADE from Morgan Stanley", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "Roth IRA", "Inherited IRA (beneficiary naming remainder beneficiary)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "a) Nonperson Beneficiaries : A trust, estate, charitable organization or other entity that is not an individual may be designated as a Beneficiary or contingent Beneficiary.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "(same)", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "trust copy or beneficiary list, by October 31 of the year after death (plan document)", "quote": "The documents described in (i) and (ii) above may be provided by the Participant or by the Trustee of the trust at any time starting with the date on which the trust is designated as a Beneficiary, but not later than October 31 of the year following the year of Participant's death.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "trustee certification form by October 31 of the year after death", "quote": "The Required Documentation must be provided to the IRA custodian by October 31st of the year following the year of the IRA owner's death. Morgan Stanley has a trustee certification form for this purpose and generally requires the trustee to use this form to satisfy the Required Documentation condition.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "not determinable for IRA (form not public); E*TRADE's QRP form offers per stirpes for individuals only", "quote": "Per Stirpes: the share of any individual beneficiary who predeceases you will pass to his or her descendants, as defined by applicable state law. ... This designation is not available for entity beneficiaries, such as trusts.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "1", "source_url": "https://content.etrade.com/etrade/mssb/pdf/qrpdesignationofbeneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "A trust, estate, charitable organization or other entity that is not an individual may be designated as a Beneficiary", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children equally, then parents, then estate", "quote": "the Custodian shall pay death benefits under the Plan in accordance with the following default rules. i) to the surviving spouse of the Participant, if any; ii) if no surviving spouse, then to the Participant's surviving children (naturally born or legally adopted) in equal shares; iii) if no surviving spouse and if no children survive the Participant, then to the Participant's surviving parents in equal shares ... iv) ... then to the personal representative of the Participant's estate", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes (\"remainder beneficiary\"), who may be an individual, trust or estate", "quote": "The Beneficiary designated hereunder may, following the death of the Participant, establish an Inherited IRA and name an individual, trust, estate or other entity to receive any minimum required distributions under Sections 4.3 or 4.4 which are scheduled to be paid after the Beneficiary's death.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes for community property states, written spousal consent required, otherwise designation fails to extent of spouse's interest; online tool unavailable in these states when naming a non-spouse", "quote": "A Participant residing in a community property state who wishes to designate a Beneficiary other than the Participant's spouse must obtain the written consent of the spouse to the designation.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes; ex-spouse treated as predeceased unless re-designated after the divorce (plan s1.3(f))", "quote": "If the Participant has designated his or her spouse as a Beneficiary then, effective immediately upon the divorce, annulment or other lawful dissolution of their marriage, the designation of the ex-spouse as Beneficiary shall be null and void. The IRA will, upon the death of the Participant, be distributed as if the ex-spouse had predeceased the Participant.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login) or DocuSign", "quote": "Designation of Beneficiary (IRA) Specify who will receive your IRA in the event of your death Submit online / Submit via DocuSign", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/forms-applications", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "online form or DocuSign", "quote": "Designation of Beneficiary (IRA) Specify who will receive your IRA in the event of your death Submit online / Submit via DocuSign", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/forms-applications", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; DocuSign (no static PDF posted)", "quote": "Designation of Beneficiary (IRA) Specify who will receive your IRA in the event of your death Submit online / Submit via DocuSign", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/forms-applications", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written notice to the custodian; qualified disclaimer (IRC 2518) before September 30 of the year after death; disclaimant treated as predeceased", "quote": "may disclaim all or part of the Beneficiary's interest in the Account by giving written notice of such disclaimer to the Custodian. ... If a Beneficiary disclaims his or her interest prior to September 30 of the year following the year of the Participant's death, the disclaimant is not taken into account in determining the employee's Designated Beneficiary, provided the disclaimer satisfies Code Section 2518.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "none (no static PDF published); plan document \"Morgan Stanley Individual Retirement Plan\"", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "edwardjones", "institution": "Edward Jones", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also SEP, SIMPLE)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, living and testamentary trusts, and separate share subtrusts", "quote": "Custom beneficiary designations can specify beneficiary types including individuals, entities, trusts and separate share trusts.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Custom beneficiary designations can specify beneficiary types including individuals, entities, trusts and separate share trusts.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, trust title and ORIGINAL execution date (not amendment date); testamentary trust needs will date and which trust", "quote": "Living trust: Trust's title or name Original date the trust agreement was executed by the grantor/settlor (not the most recent amendment or restatement date) ... Testamentary trust: Trust's title or name Date of the will executed by the testator under which the testamentary trust is created If the will creates more than one trust, specific details to identify which trust is being designated", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust title and original execution date; testamentary trust by will date", "quote": "Good Example: 100% to the John Wayne Doe Revocable Trust U/A dated 01/01/01 ... Original date the trust agreement was executed by the grantor/settlor (not the most recent amendment or restatement date)", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; designation must name who instructs Edward Jones; it cannot include trust terms", "quote": "The designation cannot include specific terms of any trust entitled to receive the assets, and Edward Jones cannot accept variations which alter the Edward Jones Custodial Agreement.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "name the sub-trust under the parent trust with its original date; name who instructs Edward Jones", "quote": "Good Example: Jane Doe Sub-Trust Under the John Wayne Doe Revocable Trust under Agreement dated 01/01/01 ... For trust shares or multiple subtrusts The designation must include language that indicates from whom Edward Jones may accept information and instruction", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, but only if the designation names the individual whose descendants take (name, SSN, DOB); Edward Jones will not determine class members", "quote": "For per stirpes designation the following information must be included in the designation: Full legal name of the individual whose descendants are designated Social Security number ... Date of birth ... Bad Example: 100% per stirpes Bad Example: 100% to John Doe, per stirpes", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "Missouri law (in the default rule)", "quote": "my descendants, per stirpes, as defined under the laws of the State of Missouri", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "4", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/LGL-7414M-A_Final.pdf", "form_number": "5305-A", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "yes, if the ancestor is identified by name, SSN and date of birth; bare \"per stirpes\" or \"my descendants\" refused", "quote": "Full legal name of the individual whose descendants are designated ... Good Example: 100% to the per stirpes descendants of John Doe; Social Security number of John Doe: xxx-xx-xxxx, date of birth of John Doe xx/xx/xx.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "published \"bad examples\", bare per stirpes, trusts without full title and original date, testamentary trust without will date", "quote": "Bad Example: 100% per stirpes Bad Example: 100% to John Doe, per stirpes ... Bad Example: My Trust dated ... Bad Example: Testamentary Trust under my Last Will", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, explicitly; attorney drafts can be pre-reviewed by the Estates Hotline; signature must be dated within 60 days of receipt; attorney letters of instruction not accepted as designations", "quote": "Edward Jones accepts custom-drafted beneficiary designations for a variety of retirement plans. Supported documents include traditional, Roth, SEP and SIMPLE IRAs, as well as owner-only 401(k) plans. ... If you would like the Edward Jones Estates Hotline to review a draft of a custom designation before it's signed by a mutual client to determine whether Edward Jones will accept it, please fax a copy of the draft document ... The client's signature must be dated within 60 days of receipt at the Edward Jones home office.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "yes, formula, fractional, dollar/pecuniary and separate-share designations if a named person gives instructions and Edward Jones is indemnified", "quote": "They can also include formula, dollar or pecuniary designations. ... Edward Jones will not determine the individuals in a class of beneficiaries (i.e., descendants, per stirpes) entitled to assets after the death of the client, perform formula calculations or make any other discretionary decision.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (estate is also the last default)", "quote": "then (3) my estate", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "4", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/LGL-7414M-A_Final.pdf", "form_number": "5305-A", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then descendants per stirpes (Missouri law), then estate", "quote": "If I have no designated beneficiaries, or no designated beneficiaries survive me, then my beneficiaries shall be deemed to be designated in the following order and priority: (1) my surviving spouse (at the time of my death); or if none, then (2) my descendants, per stirpes, as defined under the laws of the State of Missouri; or if none, then (3) my estate.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "4", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/LGL-7414M-A_Final.pdf", "form_number": "5305-A", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; if none named, beneficiary's spouse, then descendants per stirpes, then estate", "quote": "his or her remaining interest in my Account shall be paid to any successor beneficiaries designated by the deceased beneficiary in a writing received by and acceptable to Edward Jones. If the deceased beneficiary has no designated successor beneficiaries ... (1) the deceased beneficiary's surviving spouse; or if none, then (2) the deceased beneficiary's descendants, per stirpes, as defined under the laws of the State of Missouri; or if none, then (3) the deceased beneficiary's estate.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "4", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/LGL-7414M-A_Final.pdf", "form_number": "5305-A", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes for IRAs if the couple ever lived in a community property jurisdiction and the spouse is not sole primary; spouse may revoke consent while owner lives", "quote": "For traditional, Roth, SEP and SIMPLE IRAs: If all conditions (a) through (c) below are met at the time of the client's death, Edward Jones requires an executed spousal consent to support the beneficiary designation. (a) The client has a surviving spouse; and (b) The client and the surviving spouse resided in one or more community property jurisdictions during their marriage; and (c) The surviving spouse is not the sole designated primary beneficiary.", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "Edward Jones form (spouse signs before a witness, no notary) or attorney-drafted consent; spouse may revoke in writing before the owner's death", "quote": "Note: A spousal consent document may be custom drafted by the client's attorney, or an Edward Jones Spousal Consent form may be obtained from a local branch office. ... Signature of Spouse ... Signature of Witness", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "1", "source_url": "https://www.edwardjones.com/us-en/cpa-attorney-resources/custom-beneficiary-designations", "form_number": "custodial agreement LGL-7414Q-A-E-CC (URL name LGL-7414M-A)", "revision_date": "agreement REV. SEP 2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the financial advisor (branch); custom drafts may be faxed to the Estates Hotline for pre-review", "quote": "Contact your financial advisor to update your beneficiary designations. ... please fax a copy of the draft document and your request for review to (877) 818-0584", "account_type": "Traditional IRA (also SEP, SIMPLE)", "page": "web page", "source_url": "https://www.edwardjones.com/sites/default/files/acquiadam/2022-07/estate-planning-traditional-ira-beneficiary.pdf", "form_number": "CPA-2485F-A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "equitytrust", "institution": "Equity Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (self-directed; also Roth)", "Roth IRA", "SIMPLE IRA (self-directed)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (general statement)", "quote": "In addition to naming a person as beneficiary (often a spouse, children or other individual), non-individuals such as trusts and charities can be named as IRA beneficiaries.", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "web page", "source_url": "https://www.trustetc.com/blog/whats-possible-when-naming-ira-beneficiary/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be primary or contingent", "quote": "Select Beneficiary Type Primary Contingent ... SELECT ONE: Individual Trust/Charity/Organization", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, date of establishment", "quote": "NAME OF TRUST/CHARITY/ORGANIZATION SOCIAL SECURITY NUMBER/TAX ID ... BIRTHDATE/DATE OF ESTABLISHMENT", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Beneficiary Certification Form or trust copy (from the Equity Trust form used for Midland Trust accounts)", "quote": "If primary beneficiary is a Trust, please complete Equity Trust's Beneficiary Certification Form OR supply a copy of the Trust documents.", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate as last default", "quote": "your spouse does not survive you, then to (ii) your estate.", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "9", "source_url": "https://www.trustetc.com/wp-content/uploads/2025/09/Trad_SEP_Roth_Custodial_Agreement_121124.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "2025-12-09", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then estate", "quote": "If no beneficiary should survive you, or if all beneficiaries ... renounce their rights to receive any benefit from the IRA, or if you ... order: (i) to your spouse, but if you have no spouse or if your ... spouse does not survive you, then to (ii) your estate.", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "9", "source_url": "https://www.trustetc.com/wp-content/uploads/2025/09/Trad_SEP_Roth_Custodial_Agreement_121124.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "2025-12-09", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if state law permits; otherwise the original beneficiary's estate", "quote": "13.4 We may allow, if permitted by state law, an original IRA ... to name a successor beneficiary(ies) for the inherited IRA.", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "9", "source_url": "https://www.trustetc.com/wp-content/uploads/2025/09/Trad_SEP_Roth_Custodial_Agreement_121124.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "2025-12-09", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries; contingents if no primary survives", "quote": "the balance in the account shall be paid to the Primary Beneficiaries who survive me in equal shares (or in the specified shares, if indicated) ... If none of the Primary Beneficiaries survive me, the balance in the account shall be paid to the Contingent Beneficiaries who survive me", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states, non-spouse primary", "quote": "Complete this section only if Account Holder's legal residence is in a community property state [AZ, CA, LA, ID, NV, NM, TX, WA, WI] and Account Holder is choosing to name a", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login)", "quote": "CHANGE BENEFICIARY FOR ACCOUNT", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "web page", "source_url": "https://www.trustetc.com/forms/forms-for-individual-investors/", "form_number": "not available", "revision_date": "not available", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; secure upload", "quote": "For processing return to: PO Box 62957, Fort Myers, FL 33906 or use our Secure Upload", "account_type": "Traditional IRA (self-directed; also Roth)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "Primary Beneficiaries ... Non-Spouse / Trust / Other Entity", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "Contingent Beneficiaries ... Non-Spouse / Trust / Other Entity", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN and trust date; no trustee name", "quote": "Name ... Social Security or Taxpayer ID Number ... Date of Birth/Trust MM DD YYYY", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and TIN; no trustee name asked", "quote": "Date of Birth/Trust MM DD YYYY", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary", "quote": "If you outlive a beneficiary and you want that beneficiary's share to go to his or her descendants, check \"Per stirpes.\"", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants by right of representation; creates a class that can include later-born descendants", "quote": "if you check \"per stirpes,\" that any share otherwise payable to a beneficiary shall instead be paid to that beneficiary's surviving descendants by right of representation if the original beneficiary does not survive the account owner. ... \"per stirpes\" creates a category of beneficiaries (for example, the children of a beneficiary), and therefore may end up including individuals not yet born or adopted.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary is named individually (name, TIN, date of birth); only a per stirpes election on a named beneficiary creates a class", "quote": "by name does NOT create a category of ... beneficiaries, and that if you later want to ... include other beneficiaries, you will need ... to submit a new beneficiary form.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; custodian chooses parent, guardian, UTMA or minor at payout", "quote": "the Custodian may, in its absolute discretion, make all, or any part of the distribution to (i) a parent of such person, (ii) the guardian, conservator, or other legal representative ... (iii) a custodial account established under a Uniform Gifts to Minors Act, Uniform Transfers to Minors Act ... or (v) to such person directly", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-roth-ira.pdf", "form_number": "2056A", "revision_date": "2012-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "If the Depositor had not by the date of his or her death properly designated a Beneficiary ... or if no designated primary or contingent Beneficiary survives the Depositor, the Depositor's Beneficiary shall be his or her surviving spouse, but if he or she has no surviving spouse, his or her estate.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-roth-ira.pdf", "form_number": "2056A", "revision_date": "2012-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiary may name successor; otherwise beneficiary's estate", "quote": "his or her remaining interest in the Custodial Account shall be paid to a Beneficiary or Beneficiaries designated by such Beneficiary(ies) as his or her successor Beneficiary in a form and manner acceptable to, and filed with, the Custodian ... If no proper designation has been made by such Beneficiary ... distributions will be made to such Beneficiary's estate.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-roth-ira.pdf", "form_number": "2056A", "revision_date": "2012-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share divided equally among survivors unless per stirpes", "quote": "Unless otherwise designated by the Depositor in a form and manner acceptable to the Custodian, if a primary or contingent Beneficiary designated by the Depositor predeceases the Depositor, the Shares and Other Funding Vehicles for which that deceased Beneficiary is entitled will be divided equally among the surviving primary and contingent Beneficiary(ies)", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "4", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-agreement-roth-ira.pdf", "form_number": "2056A", "revision_date": "2012-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; copy the page for more", "quote": "If you need more room for information, make a copy of the relevant page.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "Fidelity.com/beneficiary", "quote": "You can add or change beneficiaries anytime, or on any other types of accounts, at Fidelity.com/beneficiary.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online at Fidelity.com/beneficiary; upload; mail (address on Fidelity.com)", "quote": "For faster processing, complete, sign, and submit using the ... digital uploading process ... can the QR code OR go to Fidelity.com/upload-Bene-IRA/HSA ... You can add or change beneficiaries anytime, or on any", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE); Roth IRA", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/beneficiaries-ira-hsa.pdf", "form_number": "1.925787.107", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-first-national-bank-of-omaha", "institution": "First National Bank of Omaha", "segment": "bank", "account_group": "ira", "account_types": [ "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individuals, estate, trust or charity may be named (Ave Maria fund IRA with FNBO as custodian)", "quote": "You can designate specific individuals or other ... not limited to, an estate, a trust, or a charitable organization", "account_type": "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)", "page": "14", "source_url": "https://www.avemariafunds.com/assets/pdf/forms/AMMF-Simple-IRA-2026-04.pdf?v=1789611283", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named", "quote": "not limited to, an estate, a trust, or a charitable organization", "account_type": "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)", "page": "14", "source_url": "https://www.avemariafunds.com/assets/pdf/forms/AMMF-Simple-IRA-2026-04.pdf?v=1789611283", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If there is no beneficiary designation on file at the time of your death, or if none of the beneficiaries on file are alive at the time of your death, your IRA assets will be paid to your estate.", "account_type": "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)", "page": "11", "source_url": "https://www.avemariafunds.com/assets/pdf/forms/AMMF-Simple-IRA-2026-04.pdf?v=1789611283", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "surviving named beneficiaries take", "quote": "The named beneficiaries that survive inherit any assets remaining in the IRA after your death.", "account_type": "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)", "page": "14", "source_url": "https://www.avemariafunds.com/assets/pdf/forms/AMMF-Simple-IRA-2026-04.pdf?v=1789611283", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "on the IRA application, mailed to Ave Maria Mutual Funds (c/o Ultimus Fund Solutions)", "quote": "By completing the appropriate section on the corresponding IRA application you may designate any person(s) as your beneficiary ... Please send your check along with the appropriate forms and investment instructions to", "account_type": "IRA custodied by FNBO for Ave Maria Mutual Funds (fund-sponsored IRA kit)", "page": "2", "source_url": "https://www.avemariafunds.com/assets/pdf/forms/AMMF-Simple-IRA-2026-04.pdf?v=1789611283", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "firstrade", "institution": "Firstrade Securities", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA", "Roth IRA (Apex custodial agreement as posted by Firstrade)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Do not use fractional percentages or dollar amounts", "account_type": "Traditional and Roth IRA", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; payment to parent, guardian, conservator, trustee or legal representative at Apex's discretion", "quote": "If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian,", "account_type": "Roth IRA (Apex custodial agreement as posted by Firstrade)", "page": "15", "source_url": "https://cdn.firstrade.com/forms/en-us/roth_firstrade.pdf?token=MjAyNi0wMS0wOSAxNjo0MjoxNQ%3D%3D", "form_number": "FTCRS2024", "revision_date": "2025-12-29", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per custodial agreement (not retrieved)", "quote": "If none of the Primary or Contingent beneficiaries I have designated survives me, any interest I may have in this IRA shall be paid in accordance with the rules and procedures specified in the 'Beneficiaries' section of the IRA Custodial Agreement governing this IRA.", "account_type": "Traditional and Roth IRA", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at Apex's discretion if state law permits; beneficiary's estate is default successor", "quote": "We may allow, if permitted by state law, an original Roth IRA beneficiary(ies) (the beneficiary(ies) who is entitled to receive distribution(s) from an inherited Roth IRA at the time of your death) to name a successor beneficiary(ies) for the inherited Roth IRA.", "account_type": "Roth IRA (Apex custodial agreement as posted by Firstrade)", "page": "15", "source_url": "https://cdn.firstrade.com/forms/en-us/roth_firstrade.pdf?token=MjAyNi0wMS0wOSAxNjo0MjoxNQ%3D%3D", "form_number": "FTCRS2024", "revision_date": "2025-12-29", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; no per stirpes", "quote": "If the death of one or more designated Primary Beneficiary(ies) precedes my death, the interest they would have received from this IRA will be paid, upon my death, to my surviving Primary Beneficiary(ies) Pro Rata such that 100% is paid to the surviving primary beneficiary(ies)", "account_type": "Traditional and Roth IRA", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states; owner decides if needed", "quote": "Consent of the Account holder's (Participant) Spouse may be required (for example, in a Community Property or Marital Property State) to effectively designate a beneficiary other than or in addition to the Participant's Spouse.", "account_type": "Traditional and Roth IRA", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signature with a witness signature", "quote": "Signature of Spouse Date Signature of Witness", "account_type": "Traditional and Roth IRA", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 primary and 5 contingent lines; attach another form", "quote": "If more space is needed for additional Primary Beneficiaries, please attach another form.", "account_type": "Traditional and Roth IRA", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online (Accounts, Profile, Beneficiaries tab)", "quote": "Log in to your Firstrade account on the web ... Click on the tab Beneficiaries", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://help.firstrade.com/article/266-how-do-i-set-up-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; paper Apex form also exists", "quote": "Log in to your Firstrade account on the web ... Click on the tab Beneficiaries", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://help.firstrade.com/article/266-how-do-i-set-up-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "franklin-templeton", "institution": "Franklin Templeton (incl. Putnam IRAs)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Franklin Templeton IRA (FTIOS custodian)", "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust name and date", "quote": "Name OR Name of Trust (trust date required mm/dd/yyyy)", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same", "quote": "DESIGNATE YOUR CONTINGENT BENEFICIARY(IES) ... Name OR Name of Trust (trust date required mm/dd/yyyy)", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date required", "quote": "Name of Trust (trust date required mm/dd/yyyy)", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and trust date; no trustee name", "quote": "Name OR Name of Trust (trust date required mm/dd/yyyy)", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim only, title page, trustee pages, signature pages and the trust TIN", "quote": "A copy of the following \"key\" sections from the trust document: (1) the first (\"title\") page, (2) the page(s) naming the current (successor) trustee(s), and (3) the signature page(s).", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "11", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBDST", "form_number": "75085T", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "refused", "quote": "PFTC will not accept customized beneficiary designations (for example, designations which involve multiple contingencies within a primary or contingent beneficiary category) or \"per stirpes\" designations.", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary identified individually; per stirpes refused", "quote": "All beneficiaries must be designated as either primary or contingent and must include all identifying information (full name, Social Security/Tax ID number, date of birth/date of trust, and allocated percentage). ... If any required information is missing the designation cannot be accepted.", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"per stirpes\" and multi-contingency designations refused", "quote": "PFTC will not accept customized beneficiary designations ... or \"per stirpes\" designations.", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "refused", "quote": "PFTC will not accept customized beneficiary designations (for example, designations which involve multiple contingencies within a primary or contingent beneficiary category)", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be a beneficiary; parent (birth certificate) or guardian signs at claim", "quote": "If you are signing as the parent of a minor beneficiary, please provide a copy of the minor's birth certificate. If you are signing as the guardian of a minor beneficiary, please provide a copy of your letters of guardianship.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "11", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBDST", "form_number": "75085T", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named; also the default after the spouse", "quote": "If the participant's estate was named as the beneficiary of the participant's retirement plan", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "11", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBDST", "form_number": "75085T", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If no beneficiary is designated, your beneficiary shall be your spouse or, if you have no surviving spouse, your estate.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "inherited-account beneficiary names beneficiaries in writing, received before the designator's death", "quote": "The beneficiary (referred to as \"Designator\") may designate a beneficiary on his/her beneficiary account.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "12", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBDST", "form_number": "75085T", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to remaining beneficiaries pro rata, heirs cut off, unless the owner indicates otherwise", "quote": "Unless I indicate otherwise, if any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "3", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes", "quote": "If I name my spouse as a beneficiary and I later divorce, that designation is automatically revoked and invalid upon my death, unless after my divorce I affirmatively elect to name my former spouse as my non-spouse beneficiary.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "3", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; separate sheet", "quote": "IF NAMING MORE THAN FOUR BENEFICIARIES, PROVIDE INFORMATION ON A SEPARATE SHEET.", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "2", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "notary or signature validation stamp; attachments also authenticated", "quote": "Your signature in Section 4 must be either notarized or validated with a Signature Validation Program (SVP) stamp.", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "1", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "original signature with notary or SVP stamp", "quote": "A notary must include the date of certification, the original signature of the person whose signature is being notarized ... All authentications must be original; photocopies or fax copies are not acceptable.", "account_type": "Putnam IRA and Beneficiary (inherited) IRA (PFTC directed trustee)", "page": "5", "source_url": "https://www.franklintempleton.com/forms-literature/download/DESBE-FORM", "form_number": "FM523A", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; fax; mail", "quote": "Emails MUST include an attachment (PDF preferred) of your request. ... You may use any of the below mailing addresses:", "account_type": "Franklin Templeton IRA (FTIOS custodian)", "page": "4", "source_url": "https://www.franklintempleton.com/forms-literature/download/RRET-FBEN", "form_number": "RRET-FBEN", "revision_date": "11/25", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-global-atlantic", "institution": "Global Atlantic Financial Group (Forethought Life)", "segment": "insurer", "account_group": "ira", "account_types": [ "Forethought IRA annuity contract (custodial or self-directed, GA20013)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "self-directed IRA contracts may name a trust; a custodial IRA contract must name the custodian", "quote": "Name (first, middle, last or trust/entity) ... For Custodial IRA Contracts, the Custodian must be listed as the Beneficiary.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line is marked primary or contingent and may name a trust", "quote": "Primary Per Stirpes Irrevocable ... Contingent ... Full Name (First, Middle, Last or Trust/Entity)", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and EIN, address, relationship; no trust date or trustee field", "quote": "Full Name (First, Middle, Last or Trust/Entity) Taxpayer I.D. (SSN or EIN)", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date asked on each beneficiary line of the IRA ownership change form", "quote": "Date of Birth/Trust (mm/dd/yyyy)", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/ga20013-ownership-change-ira-only.pdf", "form_number": "GA20013-02", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "a copy of the trust instrument whenever a trust is named", "quote": "If you name a trust as the Beneficiary, submit a copy of the trust for our file.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes yes/no on each line; not defined", "quote": "Primary Per Stirpes Irrevocable ... Contingent Yes No Yes No", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "custodian for custodial contracts; the estate for a new self-directed owner until a designation is given", "quote": "If the request is to change from a custodian to a custodian or an individual to a custodian, the beneficiary will automatically be the custodian. ... If no beneficiary change is provided for requests from a custodian to an individual as owner, the beneficiary will be listed as the estate until instructed otherwise.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/ga20013-ownership-change-ira-only.pdf", "form_number": "GA20013-02", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take only if no primary survives; no share-level rule beyond the per stirpes box", "quote": "Unless otherwise indicated, proceeds will be distributed equally. Payments to Contingent Beneficiaries only apply in the event there is no surviving Primary Beneficiary.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four beneficiaries on the form (five line blocks printed); continuation form for more", "quote": "This form allows you to assign shares of your death benefit to four primary or contingent beneficiaries. If you have more than four primary or contingent beneficiaries, please attach a completed Beneficiary Designations Continued form.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "not required routinely; a signature guarantee only if the signature cannot be verified", "quote": "A signature guarantee may be requested if we are unable to verify an owner's signature.", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "3", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/fa5014-change-of-beneficiary-form.pdf", "form_number": "FA5014-06", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload; email; mail; fax", "quote": "Log in at globalatlantic.com, navigate to policy details, and select the Upload Documents button ... GAOperations@email.gafg.com", "account_type": "Forethought IRA annuity contract (custodial or self-directed, GA20013)", "page": "4", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/ga20006-change-of-beneficiary-form.pdf", "form_number": "GA20006-02", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "goldstar-trust", "institution": "GoldStar Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth and SIMPLE IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entities allowed (no trust-specific fields; Tax ID (SSN/TIN) line)", "quote": "I designate the persons or entities named above as my primary and/or contingent beneficiaries of this IRA.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entities as contingent", "quote": "I designate the persons or entities named above as my primary and/or contingent beneficiaries of this IRA.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share lapses pro rata", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner decides; consent section on form", "quote": "Spousal consent should be considered if either the trust or the residence of the IRA owner is located in a community or marital property state.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "no witness or notary required", "quote": "Signature of Witness (NOT REQUIRED)", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; addendums allowed", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; overnight (Amarillo, TX)", "quote": "701 S. Taylor, LB 110 (Mailing) ... 701 S. Taylor, Ste 260 (Overnight)", "account_type": "Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.goldstartrust.com/PDFforms/IRA-Beneficiary-Designation-Form.pdf", "form_number": "301 / 2303 (Ascensus)", "revision_date": "2015-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-insight", "institution": "Insight Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional IRA", "Roth IRA" ], "florida": true, "fields": { "trust_primary": { "value": "yes", "detail": "persons or entities may be named; the disclosure discusses a trust or estate named as beneficiary", "quote": "You may designate one or more persons or entities as beneficiary ... If a beneficiary other than a person (e.g., your estate, a charity, or ... a certain type of trust) is named", "account_type": "Roth IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/ROTH%20IRA%20Custodial%20Agreement.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named (also the default)", "quote": "If a beneficiary other than a person (e.g., your estate, a charity, or", "account_type": "Roth IRA", "page": "5", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/ROTH%20IRA%20Custodial%20Agreement.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no beneficiaries are named", "quote": "If no beneficiaries are named ... my estate will be my beneficiary.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/IRA%20Application.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at the credit union's option and if state law permits; otherwise the original beneficiary's estate is successor", "quote": "We may allow, if permitted by state law, an original Roth IRA ... successor beneficiaries for the inherited Roth IRA. ... estate will be the successor beneficiary.", "account_type": "Roth IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/ROTH%20IRA%20Custodial%20Agreement.pdf", "form_number": "2400R-C", "revision_date": "2017-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share goes pro rata to remaining beneficiaries; contingents take only if all primaries predecease", "quote": "The interest of any beneficiary that predeceases ... me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis. ... if all primary beneficiaries have predeceased the IRA owner.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/IRA%20Application.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "recommended when the owner or the trust is in a community or marital property state and a married owner names someone other than or in addition to the spouse", "quote": "Spousal consent should be considered if either the trust or the residence ... of the IRA owner is located in a community or marital property state.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/IRA%20Application.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent on the application; witness signature lines; no notary", "quote": "I hereby relinquish any interest that I may have in this IRA and consent to ... Signature of Spouse ... Signature of Witness", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/IRA%20Application.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; addendum allowed; percentages must total 100%, equal shares if none given", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Traditional IRA", "page": "2", "source_url": "https://www.insightcreditunion.com/Content/Uploads/InsightCU/files/IRA%20Forms/IRA%20Application.pdf", "form_number": "", "revision_date": "2020-04", "wayback_capture": "2021-09-26", "retrieved": "2026-09-24" } } }, { "inst_id": "inspira", "institution": "Inspira Financial (formerly Millennium Trust Company)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (incl. rollover/self-directed)", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Trust as Beneficiary ... Please select one. Primary Beneficiary Contingent Beneficiary", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "2", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust section offers primary or contingent", "quote": "Name of Trustee(s): ... Please select one Primary Beneficiary Contingent Beneficiary", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "2", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, exact trust name and creation date; testamentary trust wording; sub-trust naming format; successor trustee contact if owner is trustee", "quote": "For a standard Trust - we require the date the Trust was created ... For a Testamentary Trust ... we require the words \"in my last will and testament\" ... For a Sub-Trust - The full name of the sub-trust and the trust as it appears on the trust document, with the sub-trust's name listed first ... If account owner is the trustee of his/her own trust, please provide the name and address of a successor trustee for us to contact after death.", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "2", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust creation date required; trustee names field; testamentary trust wording", "quote": "For a standard Trust - we require the date the Trust was created in the created field below. ... Name of Trustee(s):", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "2", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sub-trust name first, then \"created under\" the parent trust with its date", "quote": "For a Sub-Trust - The full name of the sub-trust and the trust as it appears on the trust document, with the sub-trust's name listed first to show that it is the named beneficiary. Example: Doe Children's Trust created under the Jane Doe Revocable Trust dated 1/1/2021", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "2", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If multiple Primary or Contingent Beneficiaries are named, as to each Beneficiary that shall not survive me, his or her share ... shall be distributed to the remaining Beneficiaries", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "1", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "class designations may be rejected", "quote": "The Custodian reserves the right to reject, or not to accept, beneficiary designations other ... than beneficiary designations to named individuals or specific entities.", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "7", "source_url": "https://inspirafinancial.com/content/dam/forms/retirement-and-wealth/self-directed-ira-alternative-assets/Traditional-IRA-Disclosures-and-Custodial-Agreement.pdf", "form_number": "IRA-004", "revision_date": "2017-04", "wayback_capture": "2024-09-09", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "may reject anything other than named individuals or specific entities", "quote": "The Custodian reserves the right to reject, or not to accept, beneficiary designations other ... than beneficiary designations to named individuals or specific entities.", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "7", "source_url": "https://inspirafinancial.com/content/dam/forms/retirement-and-wealth/self-directed-ira-alternative-assets/Traditional-IRA-Disclosures-and-Custodial-Agreement.pdf", "form_number": "IRA-004", "revision_date": "2017-04", "wayback_capture": "2024-09-09", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no; changes only on the proper form", "quote": "Additional beneficiary designations or changes must be made via the proper form.", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "1", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate as last default", "quote": "(iii) The Account Owner's estate, through the estate's executor or other legal", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "7", "source_url": "https://inspirafinancial.com/content/dam/forms/retirement-and-wealth/self-directed-ira-alternative-assets/Traditional-IRA-Disclosures-and-Custodial-Agreement.pdf", "form_number": "IRA-004", "revision_date": "2017-04", "wayback_capture": "2024-09-09", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children per capita, then estate", "quote": "(i) To the Account Owner's spouse; but if no such spouse shall survive the Account ... (ii) The natural and adoptive children of the Account Owner in equal shares per capita; ... (iii) The Account Owner's estate, through the estate's executor or other legal", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "7", "source_url": "https://inspirafinancial.com/content/dam/forms/retirement-and-wealth/self-directed-ira-alternative-assets/Traditional-IRA-Disclosures-and-Custodial-Agreement.pdf", "form_number": "IRA-004", "revision_date": "2017-04", "wayback_capture": "2024-09-09", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the remaining beneficiaries of the same class", "quote": "If multiple Primary or Contingent Beneficiaries are named, as to each Beneficiary that shall not survive me, his or her share (if any for a Contingent Beneficiary) shall be distributed to the remaining Beneficiaries", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "1", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes if community property interest and spouse not primary", "quote": "Complete this section if (1) Account Owner is married and has designated a Primary Beneficiary other than his/her spouse; and (2) this IRA includes property in which his/her spouse possesses a community property interest.", "account_type": "Traditional IRA (incl. rollover/self-directed)", "page": "3", "source_url": "http://www.vfmarkets.com/wp-content/uploads/2024/01/Inspira-Financial-IRA-Change-of-Beneficiary-Form.pdf", "form_number": "IRA-012", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ibkr", "institution": "Interactive Brokers", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also SEP)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "If the beneficiary is a Trust, please attach a signed copy of the Trust document.", "account_type": "Traditional IRA (also SEP)", "page": "2", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Choose beneficiary type: Primary Contingent", "account_type": "Traditional IRA (also SEP)", "page": "", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, and signed copy of trust", "quote": "If the beneficiary is a Trust, please attach a signed copy of the Trust document.", "account_type": "Traditional IRA (also SEP)", "page": "2", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "yes, signed copy of the trust document with the designation", "quote": "If the beneficiary is a Trust, please attach a signed copy of the Trust document.", "account_type": "Traditional IRA (also SEP)", "page": "2", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes box per beneficiary on the 7/2021 form and online", "quote": "You may select a per stirpes distribution, designating an equal distribution of assets to the children of a beneficiary that dies before you. Check the per stirpes election per designated beneficiary.", "account_type": "Traditional IRA (also SEP)", "page": "1", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "lineal descendants of a predeceased beneficiary (form's guideline says \"children\"); IB suggests consulting an advisor on meaning", "quote": "Per stirpes selections shall be paid to the lineal descendants of a predeceased designated IRA Beneficiary.", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "will references, \"issue\", \"or\", \"and/or\", animals, altered forms refused", "quote": "Unacceptable Designations & Language Last Will and Testament. Animals named as beneficiaries. Use of the word \"issue\" because in it's legal sense includes all lineal descendants, regardless of how remote the relationship ... Words like \"or\" \"and/or\" cannot be used because it does not clearly explain how the assets should be distributed. Altered forms or items crossed out.", "account_type": "Traditional IRA (also SEP)", "page": "1", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no, altered forms, \"or\", \"and/or\", \"issue\", and will references refused", "quote": "Unacceptable Designations & Language Last Will and Testament. ... Words like \"or\" \"and/or\" cannot be used because it does not clearly explain how the assets should be distributed. Altered forms or items crossed out. The Form must be clear and complete.", "account_type": "Traditional IRA (also SEP)", "page": "1", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "only with a custodian, trustee or guardian named (online guide); form says consult attorney", "quote": "Minors can be beneficiaries only if a custodian, trustee, or guardian is named for them.", "account_type": "Traditional IRA (also SEP)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "Without designations, benefits will be paid to the spouse as primary beneficiary or the IRA Owner's estate as the contingent beneficiary.", "account_type": "Traditional IRA (also SEP)", "page": "1", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; if none named, the original beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary (the beneficiary who is entitled to receive distributions from an inherited IRA at the time of your death) to name successor", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "online lapse choice, pro rata to remaining primaries (default) or straight to contingents", "quote": "Pass to any remaining Primary Beneficiary(ies) pro rata, and if none remain, pass to any Contingent Beneficiaries (default selection). Pass directly to any Contingent Beneficiaries and, if none remain, pass to the estate of the (last surviving) Account Owner", "account_type": "Traditional IRA (also SEP)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "7/2021 form, community or marital property states only (12/2016 form required it for any married owner naming a non-spouse primary)", "quote": "Spousal consent is required when the IRA owner resides in a community or marital property state and designates any non-spouse as the primary beneficiary.", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "12/2016 form, spouse's signature notarized or medallion guaranteed; the 7/2021 form has a spouse signature line and no notary block", "quote": "Interactive Brokers LLC requires a notarized copy of the Spouse's Signature.", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, ex-spouse treated as predeceased unless the decree names the spouse (copy given to IB) or a new designation is filed after the divorce", "quote": "If you designate your spouse as a beneficiary, your designation will automatically be void upon the dissolution of your marriage by divorce or annulment.", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration_v2.formSampleView?formdb=3361", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "online, up to six primary; the paper form allows added pages", "quote": "You must designate at least one and up to six Primary beneficiaries ... To add more Beneficiary designations for the specified IRA, copy this Additional Beneficiary Designations page and attach with your form.", "account_type": "Traditional IRA (also SEP)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login)", "quote": "IRA and Trust Beneficiary Click the User menu ... > Settings > Account Configuration > Account Inheritance.", "account_type": "Traditional IRA (also SEP)", "page": "web page", "source_url": "https://www.ibkrguides.com/clientportal/accountinheritance.htm", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "12/2016 form, owner signature notarized or medallion guaranteed; the 7/2021 form has no notary block", "quote": "IB LLC requires a notarized or a medallion signature guarantee with the Account Owner Signature.", "account_type": "Traditional IRA (also SEP)", "page": "3", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "secure Message Center upload; mail; fax (2016 form); online in Client Portal", "quote": "Your form may be sent via mail, fax, or the secure Message Center. ... Return via the secure message center. ... Return by regular or overnight mail to:", "account_type": "Traditional IRA (also SEP)", "page": "1", "source_url": "https://www.interactivebrokers.com/download/iraBeneficiaryForm.pdf", "form_number": "iraBeneficiaryForm", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "invesco", "institution": "Invesco (direct IRAs and TOD accounts)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Invesco direct IRA (Invesco Investment Services; beneficiary claim form)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "estate if no beneficiary and owner unmarried; rule for a married owner not stated", "quote": "If no beneficiary is named on the account and the account owner was unmarried at the time of death, any assets remaining in the account will be distributed to the account owner's estate.", "account_type": "Invesco direct IRA (Invesco Investment Services; beneficiary claim form)", "page": "7", "source_url": "https://www.invesco.com/static/us/dc/contentdetail?contentId=3bce66b451c41410VgnVCM100000c2f1bf0aRCRD&dnsName=us&title=ira-beneficiary-transfer-distribution-form", "form_number": "", "revision_date": "", "wayback_capture": "2019-05-03", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, a former spouse takes only if designated after the divorce (claim needs the divorce decree or a medallion guarantee)", "quote": "In order to be a designated beneficiary on the account referenced in section 1, a former spouse must have been designated as a beneficiary of the account after the date of divorce, annulment or other lawful dissolution of marriage.", "account_type": "Invesco direct IRA (Invesco Investment Services; beneficiary claim form)", "page": "7", "source_url": "https://www.invesco.com/static/us/dc/contentdetail?contentId=3bce66b451c41410VgnVCM100000c2f1bf0aRCRD&dnsName=us&title=ira-beneficiary-transfer-distribution-form", "form_number": "", "revision_date": "", "wayback_capture": "2019-05-03", "retrieved": "2026-09-24" } } }, { "inst_id": "irar-trust", "institution": "IRAR Trust Company (IRA Resources)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust checkbox", "quote": "Non-Spouse Trust Share Percentage", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each line has Primary/Contingent boxes and a Trust relationship box", "quote": "I designate the following person(s) named below as my Primary and/or Contingent Beneficiaries ... Non-Spouse Trust", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy or abstract of the trust at designation", "quote": "If I named a Trust as a Beneficiary, I understand I must supply a copy or abstract of the Trust.", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no Primary or Contingent Beneficiary survives me, the remaining balance in the account shall be distributed in accordance with the plan provisions to my estate", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if the custodian permits, by Subsequent Beneficiary Designation Form; else original beneficiary's estate", "quote": "If the Custodian permits, in the event of the Depositor's death, any beneficiary may name a subsequent beneficiary(ies) to receive the balance of the account to which such beneficiary is entitled upon the death of the original beneficiary by filing a Subsequent Beneficiary Designation Form", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "11", "source_url": "https://www.iraresources.com/hubfs/FORMS/Self-Directed-IRA-Account-Kit/Traditional.pdf", "form_number": "05002SD", "revision_date": "2025-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "heirs cut off; pro rata to others", "quote": "If any Primary or Contingent Beneficiary does not survive me, such beneficiary's interest and the interest of such beneficiary's heirs shall terminate completely, and the share for any remaining Primary or Contingent Beneficiary shall be increased on a pro rata basis.", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "1", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "The consent of spouse must be signed only if the following conditions are present: ... Your spouse is not the sole primary beneficiary named and; You and your spouse are residents of a community property state", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "2", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "general direction clause in the account application; not specific to the beneficiary form", "quote": "Written direction shall be construed so as to include facsimile signature, email communication, and electronic signature.", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "5", "source_url": "https://www.iraresources.com/hubfs/FORMS/Self-Directed-IRA-Account-Kit/Traditional.pdf", "form_number": "05002SD", "revision_date": "2025-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; email; mail (Walnut Creek, CA)", "quote": "Submission Options ... (858) 459-6565 forms@iraresources.com", "account_type": "Traditional, Roth, SEP, SIMPLE IRA, HSA, ESA", "page": "2", "source_url": "https://www.iraresources.com/hubfs/FORMS/SDIRA/IRAR-Beneficiary-Form.pdf", "form_number": "IRAR Beneficiary Designation", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "jpm", "institution": "J.P. Morgan Securities LLC (J.P. Morgan Self-Directed Investing and J.P. Morgan Private Client / Wealth Management)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (incl. SEP)", "Roth IRA", "Inherited IRA (\"Beneficiary IRA\"; beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Relationship (select one) ... Entity ... Trust", "account_type": "Traditional IRA (incl. SEP)", "page": "2", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Beneficiary Type (select one) Contingent Primary", "account_type": "Traditional IRA (incl. SEP)", "page": "2", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN (trust \"must have a valid tax identification number\"), date not asked; no trustee", "quote": "all payments will be made solely and directly to, and any inherited IRA that is established after my death shall be maintained in the name of, the Trust (which must have a valid tax identification number).", "account_type": "Traditional IRA (incl. SEP)", "page": "5", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; owner acknowledges trustee must later provide trust copy or beneficiary list", "quote": "The trustee of the Trust will be required to provide certain documentation and information to JPMS, such as (i) a copy of the Trust instrument and any amendments; or (ii) a list of all Trust beneficiaries (including contingent Trust beneficiaries), including a description of the interest each beneficiary will be entitled to upon my death, certifications that such list is/remains correct and complete", "account_type": "Traditional IRA (incl. SEP)", "page": "5", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "yes, owner (not trustee) must certify A (trust meets Reg. 1.401(a)(9)-4 \"Q & A-5(b)\") or B (it does not); cites pre-2024 regulation numbering", "quote": "A. I certify that I understand the full text of Treasury Regulation 1.401(a)(9)-4 Q & A-5(b) and that the Trust complies with such regulation in that: It is valid under state law ... It is irrevocable or will, by its terms, become irrevocable upon my death. It identifies, by name or specific relation, the persons who are beneficiaries ... B. ... certify that this Trust does not meet the requirements of such regulation.", "account_type": "Traditional IRA (incl. SEP)", "page": "5", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, per beneficiary; estate's legal representative identifies descendants", "quote": "you may choose a \"per stirpes\" option for your primary and/or contingent beneficiaries, which means if any primary or contingent beneficiary with the per stirpes designation dies before you do ... (i) the duly appointed legal representative of your estate must identify the living descendants who are entitled to receive that beneficiary's share of the IRA assets; and (ii) the beneficiary's share will be paid to the identified living descendants, subject to state law.", "account_type": "Traditional IRA (incl. SEP)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "living descendants, subject to state law, identified by estate's legal representative", "quote": "you may choose a \"per stirpes\" option for your primary and/or contingent beneficiaries, which means if any primary or contingent beneficiary with the per stirpes designation dies before you do ... (i) the duly appointed legal representative of your estate must identify the living descendants who are entitled to receive that beneficiary's share of the IRA assets; and (ii) the beneficiary's share will be paid to the identified living descendants, subject to state law.", "account_type": "Traditional IRA (incl. SEP)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (and estate is the default)", "quote": "If I designate a trust or estate as beneficiary (or if my estate is determined to be the default beneficiary, as described above), JPMS will only issue payments to, or open inherited IRAs for, the benefit of the named trust or estate.", "account_type": "Traditional IRA (incl. SEP)", "page": "6", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (no spouse default)", "quote": "If there is no beneficiary designation on file with the Custodian, or if no beneficiary survives the Depositor (including where the Depositor has designated a per stirpes method of distribution with respect to any beneficiaries and there are no surviving descendants to share in that portion of the IRA), any assets remaining in the custodial account will be paid to the Depositor's estate.", "account_type": "Traditional IRA (incl. SEP)", "page": "55", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/jpm-investment-account-agreements.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; if none, beneficiary's estate", "quote": "if a beneficiary does not predecease the Depositor but dies before receiving their entire interest in the custodial account, their remaining interest in the custodial account shall be paid to the beneficiary or beneficiaries (the Successor Beneficiaries) designated by the deceased beneficiary. If there is no Successor Beneficiary designation on file ... the Custodian shall distribute the custodial account to the deceased beneficiary's estate.", "account_type": "Traditional IRA (incl. SEP)", "page": "55", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/jpm-investment-account-agreements.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "no", "quote": "Unless you specifically designate otherwise, if a primary or contingent beneficiary dies before you, their percentage share will terminate and will be divided equally among the surviving primary or contingent beneficiaries", "account_type": "Traditional IRA (incl. SEP)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "community property, owner should consult and \"if necessary\" get consent; no spouse signature section", "quote": "If you live in a community property state and have designated a primary beneficiary other than or in addition to your spouse, you should consult with your own legal or tax professional and, if necessary, obtain your spouse's consent.", "account_type": "Traditional IRA (incl. SEP)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; extra copies allowed", "quote": "If you require more than ten (10) primary or contingent beneficiaries, please submit an additional copy of page 3 or 4 of this form.", "account_type": "Traditional IRA (incl. SEP)", "page": "2", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login)", "quote": "IRA Beneficiary Update Request Update an existing beneficiary designation on your retirement account. Update online", "account_type": "Traditional IRA (incl. SEP)", "page": "web page", "source_url": "https://www.chase.com/personal/investments/brokerage-forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "owner's signature notarized (Section 6)", "quote": "A notary public must complete Section 6 Identity Verification.", "account_type": "Traditional IRA (incl. SEP)", "page": "1", "source_url": "https://www.chase.com/content/dam/chase-ux/documents/personal/investments/ira-beneficiary-change.pdf", "form_number": "33030_CYI v6.0.1 (338 6302.240)", "revision_date": "not dated (version v6.0.1)", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; paper form (return address not given on the form)", "quote": "IRA Beneficiary Update Request Update an existing beneficiary designation on your retirement account. Update online", "account_type": "Traditional IRA (incl. SEP)", "page": "web page", "source_url": "https://www.chase.com/personal/investments/brokerage-forms", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "janney", "institution": "Janney Montgomery Scott", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (incl. small-plan IRAs)", "Roth IRA", "SIMPLE IRA (Janney custodian, Form 5305-SA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (by name; no type box)", "quote": "If you named a beneficiary which is a Trust, you understand that the Trustee must provide certain information concerning such Trust to Janney at the time of your death.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "2", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name only (form fields are Name, Date of Birth, Share, Spouse, Per Stirpes)", "quote": "Name Date of Birth Share % Spouse Per Stirpes", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at death, from trustee", "quote": "the Trustee must provide certain information concerning such Trust to Janney at the time of your death.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "2", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, checkbox per beneficiary", "quote": "If you select the per stirpes designation for a beneficiary and that beneficiary predeceases the account holder, Janney will distribute that beneficiary's share of the account equally among his/her lineal descendants.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "\"equally among his/her lineal descendants\" (reads as per capita among all descendants, not by representation)", "quote": "Janney will distribute that beneficiary's share of the account equally among his/her lineal descendants.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, owner may submit own designation form; Janney may accept or reject and add terms", "quote": "You can submit your own beneficiary designation form in lieu of using this form. Janney reserves the right to accept or reject any non-Janney beneficiary designation. If Janney accepts the non-Janney beneficiary designation, we may require you to agree to additional terms and conditions.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes, but recommends trust or custodian", "quote": "If any beneficiary is a minor, please consider naming a trust or Custodian now. Otherwise, a court-appointed guardian may be required at the time of distribution.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (default)", "quote": "If no Primary or Contingent Beneficiaries survive me, the assets in my account will be distributed to my Estate.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate (no spouse default)", "quote": "If you fail to make a beneficiary designation, or if your beneficiary designation does not take effect for any reason, upon your death, your account will be distributed to your estate.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if the custodian permits; otherwise the original beneficiary's estate", "quote": "If the Custodian permits, in the event of the Depositor's death, any beneficiary may name a subsequent beneficiary(ies) to receive the balance of the account to which such beneficiary is entitled upon the death of the original beneficiary by filing a Subsequent Beneficiary Designation Form", "account_type": "SIMPLE IRA (Janney custodian, Form 5305-SA)", "page": "4", "source_url": "https://www.janney.com/docs/default-source/client-resources-disclosures/disclosures-agreements-by-account-type/retirement-accounts/simple-ira-kit-for-employee-2-3-2017--digital-.pdf?sfvrsn=72d3182d_8", "form_number": "5305-SA", "revision_date": "2016-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries; contingents only if no primary survives; per stirpes box changes this", "quote": "In the event of my death, the assets in the account shall be distributed to the Primary Beneficiaries who survive me in equal shares (or in the specified shares, if indicated). If none of the Primary Beneficiaries survive me, the assets in the account shall be distributed to the Contingent Beneficiaries who survive me", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "warning only; no signature line", "quote": "Consent of the Participant's Spouse may be required in a community property or marital property state to effectively designate a beneficiary other than or in addition to the Participant's Spouse. ... Janney will not assume responsibility for determining whether the IRA account referenced on this form is subject to community property or marital property laws.", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "2", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "signed writing delivered to Janney (address on form); no channel listed", "quote": "a designation or change of beneficiary must be in writing, signed by you, and delivered to us prior to the time of your death", "account_type": "Traditional IRA (incl. small-plan IRAs)", "page": "1", "source_url": "https://www.myjanney.com/Lists/PublicFolder/docs/OP_IRA%20Small%20Plans_Beneficiary%20Change%20Form_7-2015.pdf", "form_number": "IRA BENEFICIARY CHANGE FORM", "revision_date": "02/2019", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "kingdom-trust", "institution": "Kingdom Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no acceptable beneficiary designation is in effect, if none of the named beneficiaries survive the Depositor, or if Custodian cannot locate any of the named beneficiaries after reasonable search, any balance in the account will be payable to the Depositor's estate.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "6", "source_url": "https://www.kingdomtrust.com/bin/uploads/2021/06/Traditional-IRA-Custodial-Agreement-Disclosure-Revised-06142021.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "2021-09-24", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "subsequent beneficiary form; if none named, to the original beneficiary's estate", "quote": "any beneficiary may name a subsequent beneficiary or beneficiaries to receive the balance of the account to which such beneficiary is entitled upon the death of the original beneficiary", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "6", "source_url": "https://www.kingdomtrust.com/bin/uploads/2021/06/Traditional-IRA-Custodial-Agreement-Disclosure-Revised-06142021.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "2021-09-24", "retrieved": "2026-09-24" } } }, { "inst_id": "lpl", "institution": "LPL Financial (The Private Trust Company, N.A. \"PTC\" custodian)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "I hereby designate the following individual(s) or entity(ies) as my primary and/or contingent beneficiary(ies)", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Primary / Contingent", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, per beneficiary (Pro Rata default)", "quote": "In the event that a designated beneficiary dies, you may select whether distributions will be made to other remaining beneficiaries or to your beneficiary's heirs. Pro Rata (Default Rule) -- Unless Per Stirpes is indicated below", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "living descendants, subject to state law; estate identifies heirs", "quote": "Per Stirpes -- If any primary beneficiary dies before me, my estate will need to identify the heirs who are to receive that primary beneficiary's share of my TOD assets. If no primary beneficiary with the per stirpes designation survives me, that beneficiary's share shall be paid to the living descendants of such beneficiary, subject to state law.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes as entity; estate is second default", "quote": "If there is no surviving spouse at the time of my death, my estate will be deemed my beneficiary.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If no primary or contingent beneficiaries survive me, my spouse will be deemed my beneficiary. If there is no surviving spouse at the time of my death, my estate will be deemed my beneficiary.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata (default)", "quote": "If any primary beneficiary(ies) dies before me, his or her interest shall terminate completely, and the percentage share of any remaining primary beneficiary (ies) shall be increased equally.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner certifies spouse consented (community property states and ERISA 403(b)(7))", "quote": "If I live in a state with community property statutes or the account is a 403(b)(7) subject to Title 1 of ERISA and do not designate my spouse as the sole primary beneficiary, I certify that my spouse has consented to such designation.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "6", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax (financial advisor faxes the application, which contains the beneficiary section, to LPL New Accounts)", "quote": "Please fax the completed form to New Accounts at (858) 202-8325.", "account_type": "Traditional IRA (also Roth, SIMPLE, 403(b)(7))", "page": "1", "source_url": "https://static.fmgsuite.com/media/documents/d05e618f-6a81-440c-99aa-af9c48018961.pdf", "form_number": "F1BR-R", "revision_date": "Revised 0818 (08/2018 advisor-hosted copy; lpl.com lists a later F1BR-CTD Revised 0226 that returned HTTP 403)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "m1", "institution": "M1 Finance", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth and SEP IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust by paper form only, not online", "quote": "You can add up to three primary and three contingent beneficiaries per account, including trusts. To name a trust as beneficiary, provide the trust's legal name and Tax ID as required on the form.", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "You can add up to three primary and three contingent beneficiaries per account, including trusts.", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "legal name and Tax ID", "quote": "To name a trust as beneficiary, provide the trust's legal name and Tax ID as required on the form.", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole percentages only", "quote": "whole numbers only (e.g., 50/50 or 33/33/34)", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "3 primary and 3 contingent per account", "quote": "You may designate up to three primary and three contingent beneficiaries per account when using the M1 Beneficiary Form.", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "web for individuals; trusts need the paper form; not in the mobile app", "quote": "Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings. Click Add Beneficiary . ... If you want separate beneficiaries for each account or wish to designate a trust, complete the M1 Beneficiary Form and submit as instructed.", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (web platform only, not the app); M1 Beneficiary Form or IRA Beneficiary Form, submission channel not stated", "quote": "Log in to M1 on the web. Navigate to Profile > Beneficiaries in your account settings. ... If you want separate beneficiaries for each account or wish to designate a trust, complete the M1 Beneficiary Form and submit as instructed. ... If you'd like to add or update beneficiaries for an IRA specifically, use the IRA Beneficiary Form", "account_type": "Traditional, Roth and SEP IRA", "page": "web page", "source_url": "https://help.m1.com/en/articles/9331930-how-to-add-or-manage-a-beneficiary-on-your-m1-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "madison-trust", "institution": "Madison Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "F4V25 has a \"Trust\" relationship box on each primary line; the custodial agreements list trusts", "quote": "Beneficiary name: first and last, trust, organization or estate ... designate any person, including an individual, trust, estate", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://www.madisontrust.com/forms/Custodial_Agreement_Roth.pdf", "form_number": "5305-RA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "a trust may be a secondary beneficiary (F4V25)", "quote": "D. SECONDARY BENEFICIARIES Please attach additional pages of this form if necessary. ... Beneficiary name: first and last, trust, organization or estate", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, Tax ID, date of formation, contact details and mailing address (F4V25)", "quote": "Beneficiary name: first and last, trust, organization or estate ... Social Security/Tax ID Number ... Date of birth/Date of formation", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date of formation; no trustee name field", "quote": "Date of birth/Date of formation", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; after death the trustees file the Trust Certification for Inherited IRA; trust copy only on request", "quote": "Do not provide a copy of the trust agreement or any part of it unless requested by Madison Trust Company.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "trustees certify see-through conditions and list all beneficiaries (primary, contingent, remainder) after death", "quote": "The trust is a valid trust under state law, or would be but for the fact that there is no corpus. ... The trust is irrevocable or will not be revoked during the duration of the time that the Madison Trust Company account is open.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://www.madisontrust.com/forms/Trust_Certification_for_Inherited_IRA.pdf", "form_number": "F00V5", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "F4V25 treats every designation as per capita; no per stirpes option on the form", "quote": "I understand the indicated IRA is non-probate and this is a per capita beneficiary designation.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "an attached form may vary the secondary-beneficiary rule; no review process stated", "quote": "Will be paid only if all the primary beneficiaries pre-decease the Accountholder unless indicated otherwise in an attached form.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://beta.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V4", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian may pay a minor's share to a parent, guardian or UTMA account", "quote": "if the individual is a minor, to an account ... established for the benefit of such individual under the Uniform Transfers to Minors Act", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://www.madisontrust.com/forms/Custodial_Agreement_Roth.pdf", "form_number": "5305-RA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate\" relationship box on F4V25; custodial agreements list estates", "quote": "Beneficiary name: first and last, trust, organization or estate ... designate any person, including an individual, trust, estate", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://www.madisontrust.com/forms/Custodial_Agreement_Roth.pdf", "form_number": "5305-RA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then living issue by right of representation, then estate", "quote": "the Accountholder's surviving spouse, if any, shall be deemed to be the Accountholder's designated beneficiary; or if there is no surviving spouse, the Accountholder's then living issue, by right of representation", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://www.madisontrust.com/forms/Custodial_Agreement_Roth.pdf", "form_number": "5305-RA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the agreement contemplates a successor designated beneficiary named by the original beneficiary", "quote": "any beneficiary designated or deemed to be designated by the original beneficiary", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://www.madisontrust.com/forms/Custodial_Agreement_Roth.pdf", "form_number": "5305-RA", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner decides whether spouse consent is needed (nine community property states listed); spouse relinquishes community property rights on the form", "quote": "I understand that it is my responsibility to determine if my spouse's signature is required due to community property and other laws of some states based on the state I live in at the time of my death.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "F4V25, the spouse's signature is separately notarized", "quote": "I hereby relinquish those rights and agree to the beneficiary designation as stated in this form. ... Notary signature is required", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://www.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V25", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, unless re-designated after the marriage ended (form and custodial agreement)", "quote": "If your former spouse was designated as a beneficiary, the designation will be deemed to have been revoked when the marriage to him or her terminated through divorce or otherwise", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://beta.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V4", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 secondary lines; additional signed pages allowed (F4V4 and F4V25)", "quote": "If you wish to name more than two primary or two secondary beneficiaries, please use additional forms and be sure to have each page signed and dated.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://beta.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V4", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "F4V25, notarized accountholder signature on every designation (older F4V4, only when replacing an existing designation)", "quote": "Accountholder signature ... Notary signature is required ... A notary stamp is required to verify the accountholder's signature if this form is being used to replace an existing Beneficiary Designation on the account.", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "2", "source_url": "https://beta.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V4", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; secure upload", "quote": "Please complete and submit this form via one of the following methods: Mail: Madison Administration Company", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "1", "source_url": "https://beta.madisontrust.com/forms/Beneficiary_Designation.pdf", "form_number": "F4V4", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "4 business days standard, 2 business days expedited (stated on the inherited IRA application for all forms)", "quote": "Our standard processing time for all forms and requests is 4 business days. Our expedited service is 2 business days ($50 fee applies).", "account_type": "Self-directed IRA (Traditional, Roth, SEP, SIMPLE)", "page": "3", "source_url": "https://beta.madisontrust.com/forms/Inherited_IRA_Account_Application_Entity.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "mainstar", "institution": "Mainstar Trust", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Roth)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "If you are designating a Trust as Primary or Contingent beneficiary, the first, last, and signature page of the Trust are required.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "If you are designating a Trust as Primary or Contingent beneficiary, the first, last, and signature page of the Trust", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust pages required (first, last, signature)", "quote": "the first, last, and signature page of the Trust are required.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "yes, first, last and signature pages now; full trust at death claim", "quote": "Upon the Trust becoming owner of the account, the fully executed Trust documents will be required to process a death claim.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes; executor identifies heirs", "quote": "The interest of any beneficiary who predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis unless you indicate a Per Stirpes beneficiary designation. Mainstar Trust will rely on instruction from the executor of your estate regarding the identity of the heirs per stirpes.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "not defined; executor determines heirs", "quote": "Mainstar Trust will rely on instruction from the executor of your estate regarding the identity of the heirs per stirpes.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (default)", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary.", "account_type": "Traditional IRA (also Roth)", "page": "9", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Traditional%20IRA%20Printable%20Account%20Opening%20Kit.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary.", "account_type": "Traditional IRA (also Roth)", "page": "9", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Traditional%20IRA%20Printable%20Account%20Opening%20Kit.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes if state law permits; else beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... to name successor beneficiaries for the inherited IRA. ... If the original IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary.", "account_type": "Traditional IRA (also Roth)", "page": "9", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Traditional%20IRA%20Printable%20Account%20Opening%20Kit.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to remaining beneficiaries unless per stirpes", "quote": "The interest of any beneficiary who predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis unless you indicate a Per Stirpes beneficiary designation.", "account_type": "Traditional IRA (also Roth)", "page": "1", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, in ALL states when a married owner names a non-spouse primary", "quote": "This applies to all states, not just the community or marital property states. ... I am Married - I understand that if I choose to designate a primary beneficiary other than my spouse, my spouse must sign below.", "account_type": "Traditional IRA (also Roth)", "page": "2", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "secure upload; email; mail; fax", "quote": "Secure File Upload: Contact Us Via Email: Mainstar Address: Phone: 800-521-9897", "account_type": "Traditional IRA (also Roth)", "page": "2", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Change%20of%20Beneficiary.pdf", "form_number": "none printed", "revision_date": "8/2024", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "in writing, within 9 months of death; disclaimed share to remaining beneficiaries (inherited IRA kit)", "quote": "If a beneficiary disclaims their interest, this is an irrevocable election, must be completed in writing, and must be done within nine months of the date of death.", "account_type": "Traditional IRA (also Roth)", "page": "6", "source_url": "https://mainstartrust.com/Portals/0/PDFForms/Inherited%20Traditional%20Non-Spouse%20Beneficiary%20Kit.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flbank-members-trust-company", "institution": "Members Trust Company", "segment": "bank", "account_group": "ira", "account_types": [ "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)" ], "florida": true, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named; each beneficiary line is marked primary or contingent", "quote": "If I named a beneficiary which is a Trust, I understand I must provide certain information concerning such Trust to the Custodian.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "329", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "any line (including a trust) can be marked contingent", "quote": "BENEFICIARY(IES) DESIGNATION Primary Contingent ... If I named a beneficiary which is a Trust, I understand I must provide certain information concerning such Trust to the Custodian.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "329", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "unspecified information about the trust; timing not stated", "quote": "If I named a beneficiary which is a Trust, I understand I must provide certain information concerning such Trust to the Custodian.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "329", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "built-in default for contingent beneficiaries only, not an election; not applied to primaries", "quote": "If any Contingent Beneficiary does not survive me, such beneficiary's interest shall pass per stirpes to his or her issue, if none, to the other named contingent beneficiaries on a pro rata basis.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "329", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no designation, no surviving beneficiary, or no beneficiary located", "quote": "If no beneficiary designation is in effect, if none of the named beneficiaries survive the Grantor, or if the Trustee cannot locate any of the named beneficiaries after reasonable search, any balance in the account will be payable to the Grantor's estate.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "312", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if the trustee permits, on a Subsequent Beneficiary Designation Form; otherwise the beneficiary's estate", "quote": "If the Trustee permits, in the event of the Grantor's death, any beneficiary may name a subsequent beneficiary(ies) ... such balance shall be payable to the estate of the original beneficiary.", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "312", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased primary's share goes to surviving primaries; contingents take only if no primary survives; a predeceased contingent's share goes per stirpes to his or her issue, else pro rata to other contingents", "quote": "the balance in the account shall be paid to the Primary Beneficiaries who survive me in equal shares (or in the specified shares, if indicated). If none of the Primary Beneficiaries survive me, the balance in the account shall be paid to the Contingent Beneficiaries ... If any Contingent Beneficiary does not survive me, such beneficiary's interest shall pass per stirpes to his or her issue", "account_type": "Traditional, Roth and SEP IRA (IRA Adoption Agreement in 2007 manual)", "page": "329", "source_url": "http://www.memberstrust.com:80/forms/mtcprivacypolicy.pdf", "form_number": "5.8", "revision_date": "2007-07-20", "wayback_capture": "2009-02-19", "retrieved": "2026-09-24" } } }, { "inst_id": "merrill", "institution": "Merrill Lynch (Merrill Lynch Wealth Management and Merrill Edge)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may name one or more individuals and/or entities to be the primary or contingent beneficiary(ies) of your account, including your estate, trust or other entity.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "(same)", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "exact name, TIN, date of inception \"if available\"; no trustee", "quote": "For estates, trusts or other entities please provide the exact name or title of the entity, tax identification number, and the date of inception, if available.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "no", "detail": "exact trust name and TIN; trust date only \"if available\"; no trustee name", "quote": "For estates, trusts or other entities please provide the exact name or title of the entity, tax identification number, and the date of inception, if available. Although all fields are not required", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; told not to send; Merrill relies on the trustee", "quote": "Please do not submit copies of your will or trust document. If an estate or trust is designated, Merrill shall rely solely upon the instructions of the executor/administrator or trustee and shall have no responsibility for monitoring the terms of the will or trust.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, checkbox per beneficiary; one method per class", "quote": "You may choose only \"per stirpes\" or \"per capita\", but not both, for beneficiaries in the same class (i.e., primary or contingent).", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants take deceased ancestor's share", "quote": "Per Stirpes is a method of dividing an account where surviving descendants of a deceased beneficiary effectively take the place of their deceased ancestor as primary beneficiary(ies) so that they take the share to which their ancestor was entitled (had he/she lived).", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary; one method per class", "quote": "You may choose only \"per stirpes\" or \"per capita\", but not both, for beneficiaries in the same class (i.e., primary or contingent). ... A Per Capita division of property is an equal division among all named beneficiaries and surviving descendants of deceased ancestors.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"as per will\" and \"as per trust\" invalid", "quote": "Designations that include \"as per will\" or \"as per trust\" will be considered invalid.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, attach \"customized beneficiary designation\", subject to review; \"as per will\"/\"as per trust\" invalid", "quote": "Customized Designations - If your beneficiary designation includes any alterations to the form, provisions in addition to the election of beneficiaries, or if you require additional space to write your designation, please submit your designation on a separate page(s) and attach it to this form. Please write \"See Attached\" in Section 2, under the Name field. This will be considered a \"customized beneficiary designation.\" Please note: all customized beneficiary designations must be reviewed for compatibility with Merrill administrative and operational requirements ... Designations that include \"as per will\" or \"as per trust\" will be considered invalid.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "reviewed for administrative compatibility; attach and write \"See Attached\"", "quote": "all customized beneficiary designations must be reviewed for compatibility with Merrill administrative and operational requirements", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "including your estate, trust or other entity", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "If no primary or contingent beneficiary(ies) survive you, or if no beneficiary is in effect at the time of your death, we will pay your IRA balance to your surviving spouse, or, if you are not survived by a spouse, to your estate.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; beneficiary's successor designation overrides the owner's", "quote": "After your death, unless you specify otherwise, your beneficiaries will have the same rights and responsibilities regarding your IRA as you do, including: Designating successor beneficiaries, who will take precedence over any successor beneficiaries you designated", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "24", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/traditionaliracustodialagreementdisclosure.pdf", "form_number": "M209468626", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries, then contingents (unless per stirpes elected)", "quote": "If a primary beneficiary predeceases you, his/her share will be distributed to the remaining primary beneficiary(ies) in proportion to the payment percentages. If no primary beneficiary(ies) survive you, the balance will be distributed to your contingent beneficiary(ies) in the same manner.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "community property, none on form; agreement pays designated beneficiary regardless of community property law unless spouse and beneficiary jointly direct otherwise; BASIC (employer SIMPLE-type) accounts need notarized spouse consent", "quote": "After your death, we make distributions to beneficiaries you've designated, regardless of state community property law. If you live in a state with community property law, both your spouse and designated beneficiary must sign and submit a written statement authorizing us to make distributions to the spouse instead of the designated beneficiary.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "11", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/traditionaliracustodialagreementdisclosure.pdf", "form_number": "M209468626", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "BASIC accounts only, spouse signs; plan administrator or notary certifies", "quote": "If you are married, your spouse must sign and date this section if you designate someone other than your spouse as beneficiary. The plan administrator or a notary public must sign to certify your spouse's signature.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "3", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes unless the decree names the spouse, the owner re-designates the spouse, or the spouse is named for a child or dependent (CA para 24)", "quote": "If you designate your spouse as beneficiary ... and you divorce or annul your marriage, your ... designation will be void unless ... The decree of divorce or annulment ... designates your spouse as beneficiary", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "4", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/traditionaliracustodialagreementdisclosure.pdf", "form_number": "M209468626", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "9 primary and 9 contingent lines; more on an attached page (treated as a customized designation and reviewed)", "quote": "if you require additional space to write your designation, please submit your designation on a separate page(s) and attach it to this form.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "Merrill Edge clients online; Wealth Management clients through the advisor", "quote": "For faster service, this form can be completed electronically by signing into your account on merrilledge.com.", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BeneficiaryDesignation_1217_EDGE.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "advisor or branch; fax; mail; online (Merrill Edge)", "quote": "Forward your completed form, in its entirety (pages 1-3), to your Merrill Lynch Wealth Management Advisor, Client Associate or the Merrill Advisory Center. ... Fax to: 1.877.229.7160 ... Or, you can mail to the following address", "account_type": "Traditional IRA (IRA, IRRA, SEP, SIMPLE, BASIC)", "page": "1", "source_url": "https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/BenDesignation_1217.pdf", "form_number": "Code 1217-0424 (Merrill Edge version: BeneficiaryDesignation_1217_EDGE, SHEET-06-22-0505)", "revision_date": "04/24 (Edge version 07/2022)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "midland-trust", "institution": "Midland Trust (now part of Equity Trust Company)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Self-directed IRA (Equity Trust Company custodian)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust type box", "quote": "SELECT ONE: Individual Trust/Charity/Organization INDIVIDUAL NAME OR NAME OF TRUST/CHARITY/ORGANIZATION", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Select Beneficiary Type Primary Contingent SELECT ONE: Individual Trust/Charity/Organization", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, TIN, date of establishment", "quote": "NAME OF TRUST/CHARITY/ORGANIZATION SOCIAL SECURITY NUMBER/TAX ID ... BIRTHDATE/DATE OF ESTABLISHMENT", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, TIN and date of establishment; no trustee name field", "quote": "NAME OF TRUST/CHARITY/ORGANIZATION ... BIRTHDATE/DATE OF ESTABLISHMENT", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Equity Trust Beneficiary Certification Form or trust copy, at designation", "quote": "If primary beneficiary is a Trust, please complete Equity Trust's Beneficiary Certification Form OR supply a copy of the Trust documents.", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "1", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only surviving primaries take; contingents if no primary survives", "quote": "the balance in the account shall be paid to the Primary Beneficiaries who survive me in equal shares (or in the specified shares, if indicated)", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consent section", "quote": "By signing below, I acknowledge that I am the spouse of the Account Holder and agree with and consent to my spouse's designation of a primary beneficiary other than or in addition to me.", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; secure upload (Equity Trust)", "quote": "For processing return to: PO Box 62957, Fort Myers, FL 33906 or use our Secure Upload", "account_type": "Self-directed IRA (Equity Trust Company custodian)", "page": "2", "source_url": "https://midlandtrust.com/hubfs/forms/manage-an-account/Beneficiary-Change-Form.pdf", "form_number": "MT_F-0003-02", "revision_date": "Rev. 050925", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "missionsquare", "institution": "MissionSquare Retirement (formerly ICMA-RC)", "segment": "recordkeeper", "account_group": "ira", "account_types": [ "MissionSquare IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust relationship box", "quote": "Non-Spouse Trust* SOCIAL SECURITY NUMBER", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "Trust relationship box on contingent lines", "quote": "BENEFICIARY TYPE: Primary Contingent RELATIONSHIP: CHECK ONE Spouse Non-Spouse Trust* Charity", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "entire trust document, tied to RMD designated-beneficiary treatment", "quote": "You must submit a copy of your entire trust document if you desire the beneficiaries of the trust to be treated as designated beneficiaries for the purpose of determining Required Minimum Distributions.", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "full trust to get look-through treatment", "quote": "You must submit a copy of your entire trust document if you desire the beneficiaries of the trust to be treated as designated beneficiaries for the purpose of determining Required Minimum Distributions.", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "one type and one relationship per beneficiary or the designation may be invalid", "quote": "Failure to do so may result in your designation being invalid.", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate; also if the beneficiary cannot be located", "quote": "IRA Accounts - If none of your named primary or contingent beneficiaries are living or you do not name a beneficiary, the proceeds will be paid to your surviving spouse or, in the absence of a surviving spouse, to your estate. ... If a Social Security number is not provided and/or we cannot locate the named beneficiary, the MissionSquare IRA balance will be paid to your surviving spouse", "account_type": "MissionSquare IRA", "page": "4", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states, spouse 100% primary unless the spouse signs", "quote": "If you live in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, or WI), you must name your spouse as 100% primary beneficiary unless your spouse waives this right by signing this form.", "account_type": "MissionSquare IRA", "page": "4", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines; attached sheet allowed", "quote": "Additional beneficiary information on attached sheet", "account_type": "MissionSquare IRA", "page": "3", "source_url": "https://cao-94612.s3.amazonaws.com/documents/MSQ-BeneficiaryDesignationForm.pdf", "form_number": "Account Change Form - Beneficiary Designation", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "morganstanley-wm", "institution": "Morgan Stanley Wealth Management", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "Roth IRA", "Inherited IRA (beneficiary naming remainder beneficiary)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (plan)", "quote": "a) Nonperson Beneficiaries : A trust, estate, charitable organization or other entity that is not an individual may be designated as a Beneficiary or contingent Beneficiary.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes (plan)", "quote": "(same)", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "3", "source_url": "https://www.morganstanley.com/content/dam/msdotcom/en/wealth/commonscripts/bdprates/mssb%20disclosure_july%202012%20online.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "trust copy or beneficiary list, by October 31 of the year after death (plan document)", "quote": "The documents described in (i) and (ii) above may be provided by the Participant or by the Trustee of the trust at any time starting with the date on which the trust is designated as a Beneficiary, but not later than October 31 of the year following the year of Participant's death.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "trustee certification form by October 31 of the year after death", "quote": "The Required Documentation must be provided to the IRA custodian by October 31st of the year following the year of the IRA owner's death. Morgan Stanley has a trustee certification form for this purpose and generally requires the trustee to use this form to satisfy the Required Documentation condition.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (plan)", "quote": "A trust, estate, charitable organization or other entity that is not an individual may be designated", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children, then parents, then estate (plan)", "quote": "i) to the surviving spouse of the Participant, if any; ii) if no surviving spouse, then to the Participant's surviving children (naturally born or legally adopted) in equal shares; iii) ... surviving parents ... iv) ... the personal representative of the Participant's estate", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes (remainder beneficiary)", "quote": "The Beneficiary designated hereunder may, following the death of the Participant, establish an Inherited IRA and name an individual, trust, estate or other entity", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take when a primary predeceases, disclaims or is disqualified; default order applies if no designated beneficiary survives", "quote": "who shall receive an interest in the Account as designated by the Participant only if one or more other Beneficiaries predecease the Participant, disclaim their interest in the Account or are otherwise disqualified ... the Account shall be distributed as if the disclaiming Beneficiary had predeceased the Participant", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes for community property states", "quote": "A Participant residing in a community property state who wishes to designate a Beneficiary other than the Participant's spouse must obtain the written consent of the spouse to the designation.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, ex-spouse treated as predeceased unless a new designation is filed after the divorce (plan section 1.3(f))", "quote": "If the Participant has designated his or her spouse as a Beneficiary then, effective immediately upon the divorce, annulment or other lawful dissolution of their marriage, the designation of the ex-spouse as Beneficiary shall be null and void.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written notice to the custodian; qualified disclaimer under Code 2518 before September 30 of the year after death; disclaimant treated as predeceased", "quote": "may disclaim all or part of the Beneficiary's interest in the Account by giving written notice of such disclaimer to the Custodian ... the disclaimant is not taken into account in determining the employee's Designated Beneficiary, provided the disclaimer satisfies Code Section 2518.", "account_type": "Traditional IRA (custodian Morgan Stanley Smith Barney LLC)", "page": "web page", "source_url": "https://us.etrade.com/l/f/agreement-library/ira-plan-documents", "form_number": "not public", "revision_date": "2012-10-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "mutual-of-america", "institution": "Mutual of America Life Insurance Company", "segment": "recordkeeper", "account_group": "ira", "account_types": [ "Mutual of America IRA and FPA contracts" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "separate Form 6475 for trusts", "quote": "DESIGNATION OF TRUST AS BENEFICIARY ... You may only designate a trust as your beneficiary contingent on our ability to begin to pay the trust within one year", "account_type": "Mutual of America IRA and FPA contracts", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust as secondary, with an optional tertiary", "quote": "Secondary beneficiary (designate a primary beneficiary; you may also designate a tertiary beneficiary to be paid if the Trust cannot be paid).", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust type and date, TIN (or not yet obtained), trustee or successor trustee name and address", "quote": "Type and date of Trust (check one and complete) ... Tax Identification Number (TIN) of the Trust ... Print here the FULL NAME AND ADDRESS OF THE TRUSTEE OR SUCCESSOR TRUSTEE to be contacted upon your death concerning benefits", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date (or will date for a testamentary trust) and trustee name required", "quote": "My (Testamentary) Trust. Created under my Will dated ... The Living Trust of ... Print here the FULL NAME AND ADDRESS OF THE TRUSTEE OR SUCCESSOR TRUSTEE", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "Estate relationship box", "quote": "Relationship: Spouse Child Parent Estate Other", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, children, parents, siblings, then estate", "quote": "If there is no living designated beneficiary at your death, the amount payable will be paid to the first surviving class of the following: (a) your surviving spouse (as determined under state law), (b) your surviving children in equal shares, (c) your surviving parents in equal shares, (d) your surviving brothers and sisters in equal shares, or (e) the executors or administrators of your estate.", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "share goes to surviving primaries, then secondaries; a trust designation is void if the trust cannot be paid within one year of notice of death", "quote": "the death benefit will be paid in equal shares to the primary beneficiaries who survive you, or if none, to the secondary beneficiaries who survive you ... If the trust you designate cannot begin to receive payments within one year of the date that we receive notice of your death, you are authorizing us to treat your designation of the trust as void.", "account_type": "Mutual of America IRA and FPA contracts", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 lines; attached pages allowed", "quote": "If you wish to designate more beneficiaries, attach a page providing all information for each", "account_type": "Mutual of America IRA and FPA contracts", "page": "2", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "trust designations only on paper Form 6475; other online options not stated", "quote": "If you are designating a Trust, you must use Mutual of America ... To Employer using Hotline Plus: Do NOT process designations on this form through Hotline Plus.", "account_type": "Mutual of America IRA and FPA contracts", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to the local service representative or regional office", "quote": "Send this form to your local service representative. ... Send the completed, signed form to Mutual of America at the following", "account_type": "Mutual of America IRA and FPA contracts", "page": "1", "source_url": "https://www.rideuta.com/-/media/Files/Careers/Benefits/Retirement-Benefits/MOA_Trust_as_Beneficiary.ashx", "form_number": "6475.M", "revision_date": "2012-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "flcu-my-pensacola", "institution": "My Pensacola Federal Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional and Roth IRA" ], "florida": true, "fields": { "max_beneficiaries": { "value": "no", "detail": "2 lines on the online form; more by contacting the credit union", "quote": "Beneficiary #2 (optional) ... Please contact the Credit Union to add additional Beneficiaries.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.mypensacolacu.com/Save-and-Spend/Savings-Accounts/IRAs/IRA-Form", "form_number": "", "revision_date": "", "wayback_capture": "2026-03-06", "retrieved": "2026-09-26" } } }, { "inst_id": "cu-navy-federal", "institution": "Navy Federal Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional and SEP IRA", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entity line in the principal section", "quote": "B. Principal Beneficiary(ies) ... Entity Name: (Trust, Estate, or Non-Profit Organization)", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entity line in the contingent section", "quote": "C. Contingent Beneficiary(ies) (if any) ... Entity Name: (Trust, Estate, or Non-Profit Organization)", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "entity name and tax ID", "quote": "Entity Name: (Trust, Estate, or Non-Profit Organization) ... Tax ID No. (SSN/EIN/TIN)", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each individual must be named with DOB and SSN", "quote": "Beneficiaries cannot be added or updated to the IRA Plan without the full date of birth and Social Security number.", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named on the entity line; also the default", "quote": "Entity Name: (Trust, Estate, or Non-Profit Organization)", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no designation or all beneficiaries predecease", "quote": "I understand that without a designated beneficiary, all IRA account(s) under this/these plan(s) will be transferred to an Estate account upon my death. ... If you do not designate a beneficiary, or", "account_type": "Traditional and SEP IRA", "page": "8", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_602.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at Navy Federal's option and if state law permits; otherwise the original beneficiary's estate is successor", "quote": "We may allow, if permitted by state law, an original IRA beneficiary(ies) ... IRA at the time of your death) to name a successor beneficiary(ies) for the", "account_type": "Traditional and SEP IRA", "page": "8", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_602.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share goes pro rata to remaining beneficiaries; contingents take if no primary survives", "quote": "If any primary or contingent beneficiary dies before me, his/her interest and the interest of his/her heirs shall terminate completely, and the percentages share of any remaining beneficiary(ies) shall be increased on a pro rata basis.", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (listed) and Wisconsin, or a trust located there, when a married owner names someone other than or in addition to the spouse", "quote": "In these states, Navy Federal requires spousal ... consent when an IRA holder wishes to name someone other than, or in addition to, their spouse as an IRA beneficiary.", "account_type": "Traditional and SEP IRA", "page": "2", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines plus 1 entity line on the application (3 plus 1 per tier on NFCU 584); additional sheet allowed", "quote": "If more space is needed, please attach an additional sheet.", "account_type": "Traditional and SEP IRA", "page": "5", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_602.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload (eMessage); fax; in person; mail", "quote": "Digital Banking: Attach signed form to eMessage ... Fax Number: (703) 206-4250 ... Visit your local branch ... Mail: P.O. Box 3001, Merrifield, VA 22119-3001", "account_type": "Traditional and SEP IRA", "page": "1", "source_url": "https://www.navyfederal.org/content/dam/nfculibs/pdfs/certificates-ira-trust/nfcu_584.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "new-direction-trust", "institution": "New Direction Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "minor may be named with a custodian", "quote": "If you name a minor, you should also designate a custodian or financial planner to assist them in receiving and handling the asset.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "web page", "source_url": "https://ndtco.com/naming-your-retirement-beneficiary-questions-and-considerations/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "web article; the estate is still the default taker", "quote": "You cannot name your estate as your beneficiary.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "web page", "source_url": "https://ndtco.com/naming-your-retirement-beneficiary-questions-and-considerations/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary designation is in effect, if none of the named beneficiaries survive the Depositor, or if the Custodian cannot locate any of the named beneficiaries after reasonable search, any balance in the account will be payable to the Depositor's estate.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "4", "source_url": "https://ndtco.com/wp-content/uploads/2021/01/5305_Traditional_IRA.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "if permitted, by Subsequent Beneficiary Designation Form; else to the original beneficiary's estate", "quote": "If the Custodian permits, in the event of the Depositor's death, any beneficiary may name a subsequent beneficiary(ies)", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "4", "source_url": "https://ndtco.com/wp-content/uploads/2021/01/5305_Traditional_IRA.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states (nine listed)", "quote": "The consent of the spouse must be signed only if all of the following conditions are present; the account holder's spouse is living, the account holder's spouse is not the sole Primary Beneficiary named to the account and the account holder and spouse are residents of a community property state", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "1", "source_url": "https://ndtco.com/wp-content/uploads/2023/04/Spousal-Consent-Example-2024-v1.pdf", "form_number": "", "revision_date": "2024-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "separate NDTCO spousal consent form signed and dated by the spouse; no notary block", "quote": "SPOUSAL CONSENT TO ACCOUNT HOLDER'S BENEFICIARY DESIGNATION ... Spouse Signature: ... Date Signed:", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "1", "source_url": "https://ndtco.com/wp-content/uploads/2023/04/Spousal-Consent-Example-2024-v1.pdf", "form_number": "", "revision_date": "2024-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "no limit", "quote": "There is no limit to the number of beneficiaries, primary or contingent, you can have on one account.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "web page", "source_url": "https://ndtco.com/naming-your-retirement-beneficiary-questions-and-considerations/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "client portal, Profile", "quote": "You will be asked to log into the client portal and then directed to the Beneficiary Designation form under", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "web page", "source_url": "https://ndtco.com/forms_wp_tex/beneficiary-designation-form/", "form_number": "", "revision_date": "", "wayback_capture": "2024-08-13", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (client portal)", "quote": "sign in to the NDTCO client portal and navigate to your Profile", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE; self-directed)", "page": "web page", "source_url": "https://ndtco.com/naming-your-retirement-beneficiary-questions-and-considerations/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-old-national-bank", "institution": "Old National Bank", "segment": "bank", "account_group": "ira", "account_types": [ "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "the beneficiary lines ask for a birth or trust date and SSN or Tax ID (BNY Clearing Services form, the clearing firm's form)", "quote": "Beneficiary Birth or Trust Date ... Social Security # or Tax ID #", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same fields on the contingent line", "quote": "CONTINGENT BENEFICIARY ... Beneficiary Birth or Trust Date", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date and tax ID", "quote": "Beneficiary Birth or Trust Date ... Social Security # or Tax ID #", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date asked; trustee name not asked", "quote": "Beneficiary Birth or Trust Date", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "1 primary and 1 contingent line; more on a separate signed page", "quote": "Check this box if additional beneficiaries are named on a separate signed page using the same format as above.", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to BNY Clearing Services LLC, Milwaukee WI (1998 form, likely obsolete)", "quote": "Return Form To ... BNY Clearing Services LLC ... 111 East Kilbourn Avenue", "account_type": "IRA held with BNY Clearing Services LLC as custodian (Old National brokerage)", "page": "1", "source_url": "http://oldnational.com:80/trustinvest/pdfs/IRA_Change_of_Beneficiary_Designation.pdf", "form_number": "", "revision_date": "1998-12", "wayback_capture": "2004-11-18", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-penfed", "institution": "Pentagon Federal Credit Union (PenFed)", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be named IRA beneficiary on Form 732; a trust beneficiary takes a total distribution (Form 733)", "quote": "You can list your trust as the beneficiary of your primary share and IRAs by completing form 13 (for the Share) and form 732 (for the IRA). ... (Please choose this option if an Estate or Trust is the beneficiary.)", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, the trustee signs the withdrawal form and fiduciary documentation is required", "quote": "if trust or estate, trustee, executor, or representative payee must sign the form. Proper fiduciary documentation will be required prior to processing.", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "2", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/aml-2018/733.pdf", "form_number": "733", "revision_date": "2022-09", "wayback_capture": "2026-04-11", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor child is recognized as an eligible designated beneficiary; no custodian or guardian arrangement stated", "quote": "your child who has not reached the age of majority", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "17", "source_url": "https://www.penfed.org/content/dam/penfed/en/general/pdf/general/forms/m-36.pdf", "form_number": "795-A", "revision_date": "2017-04", "wayback_capture": "2025-03-01", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "an estate can be the IRA beneficiary (total distribution only)", "quote": "Please choose this option if an Estate or Trust is the beneficiary. ... if trust or estate, trustee, executor, or representative payee must sign the form", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/aml-2018/733.pdf", "form_number": "733", "revision_date": "2022-09", "wayback_capture": "2026-04-11", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate (Form 732, current disclosure and the 2013 custodial agreement)", "quote": "If beneficiaries are not named, funds are payable to the estate of the IRA owner. ... If the Depositor fails to name any Beneficiary, or if the Depositor revokes", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "8", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/applications/IRA-Web-App012011.pdf", "form_number": "743", "revision_date": "2013-01", "wayback_capture": "2019-01-20", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the Inherited IRA application (Form 795-B) has its own beneficiary designation section with the same survivorship rules", "quote": "INHERITED INDIVIDUAL RETIREMENT ... Transfer from the Decedent's PenFed IRA ... I reserve the right to change my beneficiary(ies) solely by filing another designation of beneficiary form with PenFed", "account_type": "Inherited IRA (beneficiary naming successor beneficiaries)", "page": "6", "source_url": "https://www.penfed.org/content/dam/penfed/en/general/pdf/general/forms/m-36.pdf", "form_number": "795-A", "revision_date": "2017-04", "wayback_capture": "2025-03-01", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to surviving primaries equally (M-36); contingents take in the stated ratios if the primaries predecease (Form 732); unspecified percentages are equal", "quote": "If a primary beneficiary predeceases the member/owner, the balance in the account is to be shared by the remaining primary beneficiaries, in equal shares. ... In the event the primary beneficiary(ies) predecease(s) the participant, the balance in the account is to be shared by the contingent beneficiaries in the ratios provided.", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "6", "source_url": "https://www.penfed.org/content/dam/penfed/en/general/pdf/general/forms/m-36.pdf", "form_number": "795-A", "revision_date": "2017-04", "wayback_capture": "2025-03-01", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse signs Form 732 when someone other than the spouse is named and state law (generally community property) requires it", "quote": "Spouse's signature required only if a beneficiary other than a spouse is named, and the spouse's signature is required by state law based on owner's legal residence. Generally applicable to community property states.", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/aml-2018/732.pdf", "form_number": "732", "revision_date": "2019-07", "wayback_capture": "2025-03-03", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "Form 732, 3 primary and 3 contingent lines; a separate sheet may be attached", "quote": "Check here for additional beneficiaries and include separate sheet.", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "1", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/aml-2018/732.pdf", "form_number": "732", "revision_date": "2019-07", "wayback_capture": "2025-03-03", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "Form 732 only; forms by mail, fax or secure upload", "quote": "Changes of beneficiary(ies) must be provided on this form. ... Securely upload, mail or fax your forms to PenFed.", "account_type": "Traditional, Roth and SEP IRA (IRA Share and IRA Certificates)", "page": "web page", "source_url": "https://www.penfed.org/content/dam/penfed/general/pdf/Forms/general/RLT-Instructions-w-Forms-77-and-74.pdf", "form_number": "1378", "revision_date": "2016-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pershing", "institution": "Pershing LLC (BNY Pershing)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth and SIMPLE IRA (Pershing as custodian)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "specifically dated trust is a standard request", "quote": "Pershing considers the following as a standard beneficiary request: Name of an Individual(s) Name of Group(s) (e.g. charity) Specifically dated Trust (s), subject to proper qualification", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines include trust date", "quote": "Contingent Beneficiary 1 Name Percentage ... Date of Birth or Date of Trust", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date and TIN", "quote": "Date of Birth or Date of Trust Social Security or Tax ID Number", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust must be specifically dated; trust date on each beneficiary line (trustee name not asked)", "quote": "Specifically dated Trust (s), subject to proper qualification ... Date of Birth or Date of Trust", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at claim, a trust beneficiary attaches a trust certification of investment powers (Beneficiary Distribution Request IRA-100); an estate needs a court order and executor instructions", "quote": "Attach proof of authorized signor for entity beneficiaries, such as Corporate Resolution, Trust Certification of Investment Powers and ... Letters of Testamentary.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "4", "source_url": "https://www.vcm.com/content/dam/vcm/forms/Beneficiary%20Distribution%20Request%20Form.pdf", "form_number": "IRA-100", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes box per beneficiary", "quote": "Relationship Per Stirpes", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "heirs/children of the predeceased beneficiary; a named Responsible Individual (or the executor) tells Pershing who takes", "quote": "If your beneficiary designation is per stirpes, you understand that if your beneficiary(ies) dies before you, the beneficiary's share of the IRA will pass to his or her respective heirs/children.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "5", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"Per Will\" refused", "quote": "\"Per Will\" designations are not acceptable designations.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "separate customized beneficiary form, subject to acceptance policy", "quote": "All other beneficiary requests will be considered a customized beneficiary request, subject to Pershing's acceptance policy. Each custom request must use the Pershing Designation of Customized Beneficiary form or applicability indemnity language.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "acceptance policy (not published)", "quote": "subject to Pershing's acceptance policy", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; custodian may take instructions from parent, guardian, conservator or legal representative", "quote": "payable to a Beneficiary known by the Custodian to be a ... minor or under a legal disability, the Custodian may in its sole ... discretion take instruction from the parent, guardian,", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "3", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/traditional-roth-simple-ira-custodial-account-agreements.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "write \"Estate\"; court order and executor instructions needed at death", "quote": "To designate your Estate as your beneficiary, write in \"Estate\" in the primary beneficiary section.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "1", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children equally, then estate", "quote": "If there is no Beneficiary designation on file with the Custodian, or if no primary or contingent Beneficiaries survive the Participant, the Custodian shall distribute the Account in the following order of preference: (i) The Participant's surviving spouse, if any (ii) The Participant's children, if any, in equal shares (iii) The Participant's estate", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "4", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/traditional-roth-simple-ira-custodial-account-agreements.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiary may always name successors", "quote": "Under no circumstances may a Participant restrict the right of a Beneficiary to name successor Beneficiary(ies) of an inherited Account.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "4", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/traditional-roth-simple-ira-custodial-account-agreements.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving beneficiaries unless per stirpes elected; contingents only if all primaries (and their children if per stirpes) fail", "quote": "Unless otherwise designated by the Participant in a form and ... manner acceptable to the Custodian, if a primary or contingent ... Beneficiary designated by the Participant predeceases the ... Participant, the deceased Beneficiary's percentage allocation will ... be divided among the surviving Beneficiaries in accordance with", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "4", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/traditional-roth-simple-ira-custodial-account-agreements.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states", "quote": "If you are married, reside in a community property or marital property state, and designate someone other than your spouse as your sole, primary beneficiary, your spouse must sign this form below.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "6", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notary if state requires", "quote": "In addition, if required in your state, the form must be signed in the presence of a Notary Public.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "6", "source_url": "https://www.richcapitalct.com/files/ira_bene_change.pdf", "form_number": "IRA-DB", "revision_date": "06/30/2022", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke (custodial agreement)", "quote": "A Beneficiary designation will NOT automatically be revoked ... modified due to the Participant's divorce, legal separation ... annulment or other dissolution of marriage.", "account_type": "Traditional, Roth and SIMPLE IRA (Pershing as custodian)", "page": "4", "source_url": "https://www.pershing.com/content/dam/pershing/documents/pdfs/traditional-roth-simple-ira-custodial-account-agreements.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-pnc-bank", "institution": "PNC Bank, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "PNC Wealth Management Premiere Select IRA (affiliate broker-dealer; NFS clearing, Fidelity Management Trust Company custodian)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be the beneficiary (affiliate PNC Wealth Management / FMTC document)", "quote": "the individual(s), estate, trust or organization designated", "account_type": "PNC Wealth Management Premiere Select IRA (affiliate broker-dealer; NFS clearing, Fidelity Management Trust Company custodian)", "page": "1", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "an estate may be designated", "quote": "the individual(s), estate, trust or organization designated", "account_type": "PNC Wealth Management Premiere Select IRA (affiliate broker-dealer; NFS clearing, Fidelity Management Trust Company custodian)", "page": "1", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the PNC Wealth Management Financial Advisor; effective when received and accepted by NFS", "quote": "designation at any time by contacting my PNCWM ... Financial Advisor, and (iii) each subsequent beneficiary", "account_type": "PNC Wealth Management Premiere Select IRA (affiliate broker-dealer; NFS clearing, Fidelity Management Trust Company custodian)", "page": "1", "source_url": "https://www.pnc.com/content/dam/pnc-com/pdf/personal/wealth-investments/PNCI/PNCWM_Retirement_Account_Customer_Agreement.pdf", "form_number": "1.830486.119", "revision_date": "2024-04", "wayback_capture": "2026-03-01", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-principal", "institution": "Principal Life Insurance Company", "segment": "insurer", "account_group": "ira", "account_types": [ "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "Principal Bank Roth IRA (deposit-only custodial IRA; 2003 booklet)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "Principal Bank (affiliate) disclosure statement contemplates a qualified trust as IRA beneficiary; stale 2003 document", "quote": "If you name a qualified trust, which is defined in Treasury Regulation", "account_type": "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "page": "6", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the disclosure contemplates a named estate beneficiary (then no designated beneficiary)", "quote": "If any named beneficiary that is not an individual, such as an estate or charity, has an interest in your IRA", "account_type": "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "page": "6", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate if no designation on file or no named beneficiary survives", "quote": "designation on file at the time of your death, or if none of the beneficiaries on file ... are alive at the time of your death, your IRA assets will be paid to your estate", "account_type": "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "page": "4", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "\"may allow\" per custodian policy; successor keeps the original distribution period", "quote": "Our policy may allow your ... beneficiaries to name their own successor beneficiaries to your IRA", "account_type": "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "page": "6", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "only a reference, a complete disclaimer under IRC 2518 removes the beneficiary from the designated beneficiary determination; no form or deadline stated", "quote": "distribute their interests in your IRA, or completely disclaim their interests in ... your IRA under IRC Section 2518", "account_type": "Principal Bank traditional IRA (deposit-only custodial IRA; affiliate of Principal Life; 2003 booklet)", "page": "6", "source_url": "http://www.principal.com/bank/products/ira/forms/iracustodial.pdf", "form_number": "5305-A", "revision_date": "2002-03", "wayback_capture": "2006-11-13", "retrieved": "2026-09-24" } } }, { "inst_id": "provident-trust", "institution": "Provident Trust Group", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entity section with Primary/Contingent boxes", "quote": "If you are naming an entity (e.g., trust, estate, charity) as beneficiary, please complete the following information.", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entity section has the same Primary/Contingent choice", "quote": "If you are naming an entity (e.g., trust, estate, charity) as beneficiary ... Primary Contingent", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, tax ID, creation date, address and trustee name", "quote": "Name of Entity/Trust/Estate ... Entity/Trust/Estate Tax ID ... Date of Registration/Creation ... Trustee, Executor, or Authorized Signer Name", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust creation date and trustee name are form fields", "quote": "Date of Registration/Creation ... Trustee, Executor, or Authorized Signer Name", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named", "quote": "If you are naming an entity (e.g., trust, estate, charity) as beneficiary", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the addendum covers inherited IRAs, so an inheriting beneficiary names beneficiaries", "quote": "Inherited Traditional IRA ... Inherited Roth IRA", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "1", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "consent where applicable, on the main designation form (not saved)", "quote": "any applicable spousal consent is provided on the attached form", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines per addendum; additional addendums allowed", "quote": "This form may only be used to supplement an IRA application or IRA beneficiary designation form to name more beneficiaries than can be accommodated on these forms. Complete additional addendums if necessary.", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "1", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; email; fax", "quote": "When ready, mail, email, or fax this completed form", "account_type": "Traditional, SEP, Roth, SIMPLE and inherited IRA (self-directed)", "page": "2", "source_url": "https://trustprovident.com/wp-content/uploads/Beneficiary-Designation-IRA-Addendum.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2024-07-15", "retrieved": "2026-09-24" } } }, { "inst_id": "public", "institution": "Public.com (Public Investing)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA", "Crypto IRA (Alto Trust Co. custodian; Public Holdings administrator)" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "minor may be named; Apex pays a parent, guardian, conservator or trustee at its discretion", "quote": "If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind ... we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative of such minor", "account_type": "Traditional and Roth IRA", "page": "4", "source_url": "https://public.com/disclosures/apex-individual-retirement-custodial-account-agreement", "form_number": "69163P-QPNA", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (Apex Clearing custodial agreement)", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your spouse will be the beneficiary, or if there is no spouse living at the time of your death, your estate will be the beneficiary.", "account_type": "Traditional and Roth IRA", "page": "4", "source_url": "https://public.com/disclosures/apex-individual-retirement-custodial-account-agreement", "form_number": "69163P-QPNA", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at Apex's option; else the beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary(ies) ... to name successor beneficiary(ies) for the inherited IRA. ... If the original IRA beneficiary(ies) does not designate a successor beneficiary(ies), his or her estate will be the successor beneficiary.", "account_type": "Traditional and Roth IRA", "page": "5", "source_url": "https://public.com/disclosures/apex-individual-retirement-custodial-account-agreement", "form_number": "69163P-QPNA", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take if no primary survives; lapse among co-primaries not stated", "quote": "If you have designated both primary and contingent beneficiaries and no primary beneficiary(ies) survives you, the contingent beneficiary(ies) will acquire the designated share of your IRA.", "account_type": "Traditional and Roth IRA", "page": "4", "source_url": "https://public.com/disclosures/apex-individual-retirement-custodial-account-agreement", "form_number": "69163P-QPNA", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "app or website", "quote": "If you have a retirement account (IRA), you can add a beneficiary directly through the app or website.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://help.public.com/en/articles/4375163-can-i-add-a-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online in the Public app or website; must be filed during the owner's lifetime", "quote": "Tap Beneficiaries then tap your IRA account and tap the +Add button ... This designation can only be made on a form provided by or acceptable to us, and it will only be effective when it is filed with us during your lifetime.", "account_type": "Traditional and Roth IRA", "page": "4", "source_url": "https://help.public.com/en/articles/10064031-how-do-i-add-a-beneficiary-to-my-retirement-account", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-rbfcu", "institution": "Randolph-Brooks Federal Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "Traditional and Roth Beneficiary (inherited) IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named (IRA disclosure statement); the form has one beneficiary grid with an SSN OR TIN column", "quote": "You can designate specific individuals or other entities ... not limited to, an estate, a trust, or a charitable organization", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-amendment.pdf", "form_number": "5305-A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "any beneficiary, including a trust, may be given a contingent share", "quote": "You can designate specific individuals or other entities ... not limited to, an estate, a trust, or a charitable organization ... If all of my primary beneficiaries die before me, the contingent beneficiaries named below will receive my IRA assets.", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-amendment.pdf", "form_number": "5305-A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; after death RBFCU may require qualified-trust documentation, trust beneficiaries due by Oct 31 of the year after death (Beneficiary IRA disclosure)", "quote": "We may require documentation of qualified trust status ... qualified trust must provide documentation of its beneficiaries to us by October 31 of the ... year following the year of the grantor's death", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-beneficiary-amendment.pdf?sfvrsn=913ad2a8_14", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "post-death 1.401(a)(9)-4 beneficiary documentation, per the Beneficiary IRA disclosure; no certification at designation", "quote": "We may require documentation of qualified trust status ... qualified trust must provide documentation of its beneficiaries to us by October 31 of the", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-beneficiary-amendment.pdf?sfvrsn=913ad2a8_14", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named; it is also the default", "quote": "not limited to, an estate, a trust, or a charitable organization", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "6", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-amendment.pdf", "form_number": "5305-A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If all of the beneficiaries die before me, or if none are designated, my IRA assets will be paid to my estate.", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "1", "source_url": "https://www.rbfcu.org/docs/default-source/ira/ira-designation-or-change-of-beneficiary.pdf?sfvrsn=1698c7a8_16", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "beneficiaries may name successors, subject to state law and RBFCU policy; see cu-rbfcu-inherited-ira", "quote": "You may allow your beneficiaries to name ... their own successor beneficiaries to your IRA ... State law and our policy may limit your ability to name", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "13", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-app.pdf", "form_number": "IRA-49-LAZ", "revision_date": "2025-11-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share reallocated pro rata within the same class (primary or contingent)", "quote": "In the event a beneficiary dies before me, such beneficiary's share will be reallocated on a pro-rata basis to the other beneficiaries that share the deceased beneficiary's classification", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "1", "source_url": "https://www.rbfcu.org/docs/default-source/ira/ira-designation-or-change-of-beneficiary.pdf?sfvrsn=1698c7a8_16", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "RBFCU form requires consent of a married owner's spouse whenever the spouse is not the primary beneficiary (not limited to community property states); may also be required by policy", "quote": "I Am Married. I understand that if I designate a primary beneficiary other than my spouse, my spouse must consent by signing below.", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "2", "source_url": "https://www.rbfcu.org/docs/default-source/ira/ira-designation-or-change-of-beneficiary.pdf?sfvrsn=1698c7a8_16", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates on the form; witness if required, who cannot be a beneficiary; owner initials Married or Not Married", "quote": "Signature of Spouse ... Signature of Witness (if required) ... (Witness cannot be a beneficiary of this IRA)", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "2", "source_url": "https://www.rbfcu.org/docs/default-source/ira/ira-designation-or-change-of-beneficiary.pdf?sfvrsn=1698c7a8_16", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "written, notarized, irrevocable disclaimer received within 9 months of death, no distributions taken (Beneficiary IRA disclosure); owner IRA disclosure only refers to IRC 2518", "quote": "You may disclaim your interest in this Beneficiary IRA subject to the ... The disclaimer must be made in writing and must be executed personally by you (or a ... and acknowledged before a notary public ... by us after the date of the depositor's death but not later than nine (9) months after the", "account_type": "Traditional, Roth and SIMPLE IRA (deposit-only IRA custodied by RBFCU)", "page": "4", "source_url": "https://www.rbfcu.org/docs/default-source/ira/traditional-ira-beneficiary-amendment.pdf?sfvrsn=913ad2a8_14", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "raymondjames", "institution": "Raymond James (Raymond James & Associates / Raymond James Trust Company of New Hampshire, custodian)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "the agreement's definition of Beneficiary includes a trust", "quote": "The term \"Beneficiary\" shall mean the person or persons ... (including a trust, estate or other entity) designated as such", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "18", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "a trust may be any Beneficiary; the agreement has primary and contingent tiers", "quote": "(including a trust, estate or other entity) designated as such ... Primary Beneficiaries are living as of the date of the ... Account shall be paid in the same manner to the Contingent", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "11", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes designations accepted in a form acceptable to the custodian", "quote": "designation containing \"per stirpes\" provisions provided ... such designation is executed and submitted to the Custodian ... in a form or manner deemed administratively acceptable to", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "11", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "shares by surviving lineal descendants in the next generation; Raymond James may rely on the executor to identify descendants and presumes none exist if not identified within 90 days", "quote": "The term \"per stirpes\" shall mean that the Depositor's account will be divided into as many shares as there are surviving lineal descendants of the Depositor or his or her named Beneficiary within the next immediate generation. ... (i.e., within 90 days from the date Raymond James is notified ... of the beneficiary's death), Raymond James shall presume", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "12", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "the custodian's form or other documentation acceptable to the custodian", "quote": "provided by the Custodian for this purpose or by submitting ... such other documentation as may be acceptable to the", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "10", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "no duty to review; the custodian may reject provisions it cannot administer, and the last accepted designation then stays in effect", "quote": "Custodian shall not be construed as a commitment or ... obligation on the part of the Custodian to either review a ... The Custodian reserves the right to reject any and all ... extent such designations contain provisions that cannot ... legally or administratively be accommodated by the", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "10", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "an estate may be designated", "quote": "(including a trust, estate or other entity) designated as such", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "18", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "no designation or no surviving primary or contingent beneficiary, surviving spouse, else the depositor's estate", "quote": "surviving spouse, if married and if not married, the ... Beneficiary shall be deemed to be the Depositor's estate.", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "10", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary (spouse or non-spouse) may name a successor; if none named, the beneficiary's estate", "quote": "Depositor, shall be permitted to name a successor ... no successor Beneficiary is named by a Beneficiary, the ... successor Beneficiary shall be deemed to be the Beneficiary's", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "11", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares to surviving primaries unless another allocation was specified; if none survive, contingents in the same manner; 120-hour survival rule; per stirpes only if elected", "quote": "Custodial Account shall be paid in equal percentages to the ... named Primary Beneficiaries who have not predeceased the ... Depositor or disclaimed their beneficial interests in the ... Beneficiary, or a Beneficiary dies within 120 hours after the ... Depositor's death, the Beneficiary will be treated as having", "account_type": "Raymond James Trust Company of NH Traditional and Roth IRA (also SEP, SIMPLE)", "page": "11", "source_url": "https://www.raymondjames.com/-/media/rj/dotcom/files/legal-disclosures/mca-ira/ira.pdf", "form_number": "", "revision_date": "2021-09", "wayback_capture": "2022-08-01", "retrieved": "2026-09-24" } } }, { "inst_id": "rbc-wealth-management", "institution": "RBC Wealth Management (U.S.)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "RBC's IRA beneficiary guide discusses naming a trust as IRA beneficiary; no form saved", "quote": "A trust as beneficiary can be a useful estate-planning tool if properly structured", "account_type": "Traditional IRA", "page": "3", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "guide, trust instrument to the IRA custodian on demand (look-through rules), not stated as required at designation", "quote": "A copy of the trust instrument is provided to the IRA custodian upon demand", "account_type": "Traditional IRA", "page": "4", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "guide restates the Treas. Reg. documentation, beneficiary list with certification by October 31 of the year after death, trust copy on demand", "quote": "The IRA custodian is provided with a list of beneficiaries ... along with a written certification that the list is accurate and the trust is a valid look-through trust", "account_type": "Traditional IRA", "page": "4", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes elected on the designation form; pro rata is the default", "quote": "in lieu of such division, the Depositor may elect, on the applicable beneficiary designation form, to have the Custodial Account divided per stirpes among the primary Beneficiaries and their respective issue", "account_type": "Traditional IRA", "page": "7", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "guide, predeceased beneficiary's share to his or her lineal descendants (\"by the branch in equal shares\")", "quote": "If a beneficiary predeceases an account owner, that beneficiary's share goes to his or her lineal descendants.", "account_type": "Traditional IRA", "page": "3", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "per stirpes reaches descendants without naming them; a relationship-only (class) designation covers those in that relationship at death", "quote": "The descendants do not need to be individually named on the beneficiary form. ... Any designation of a Beneficiary only by statement of relationship to the Depositor will be effective only to designate the person or persons standing in such relationship at the Depositor's death.", "account_type": "Traditional IRA", "page": "3", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor's share goes to a Minor IRA controlled by a parent or legal guardian", "quote": "If the Beneficiary is a Minor, the Custodian will require a parent or legal guardian of the Minor to establish an IRA for the benefit of the Minor", "account_type": "Traditional IRA", "page": "8", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "guide treats the estate as a possible (non-designated) beneficiary; estate is also the default after the spouse", "quote": "If a charity or an estate is a beneficiary of only a portion of an IRA", "account_type": "Traditional IRA", "page": "3", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then estate", "quote": "If no beneficiary designation is in effect, if none of the named beneficiaries survive the Depositor, or if the Custodian cannot locate any of the named beneficiaries after reasonable search, any balance in the account will be payable to the Depositor's surviving spouse; or if no spouse survives the Depositor, the Depositor's estate.", "account_type": "Traditional IRA", "page": "6", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; if none named, to the original beneficiary's estate", "quote": "If the Custodian permits, in the event of the Depositor's death, any Beneficiary may name a subsequent Beneficiary(ies) ... Each Beneficiary of legal age may name subsequent Beneficiaries for his or her separate Custodial Account.", "account_type": "Traditional IRA", "page": "7", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries unless per stirpes elected; contingents take if no primary survives", "quote": "If the Depositor specifies percentage (or fractional) shares for the primary Beneficiaries and if some but not all such Beneficiaries survive the Depositor, the Custodial Account will be divided among the surviving primary Beneficiaries in proportion to the relative percentage", "account_type": "Traditional IRA", "page": "7", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, owner warrants spouse's consent where state law requires it", "quote": "If the Custodial Account contains any community property, the Depositor represents and warrants that the Depositor's spouse has consented to any beneficiary designation the Depositor provides to the Custodian, where such consent is required under applicable community property laws.", "account_type": "Traditional IRA", "page": "7", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "consent may be captured on RBC's designation form; custodian does not require it", "quote": "A Depositor may use the beneficiary designation form offered by the Custodian to capture the consent of the Depositor's spouse, but the Custodian does not require it", "account_type": "Traditional IRA", "page": "7", "source_url": "https://www.rbcwealthmanagement.com/assets/wp-content/uploads/documents/legal/traditional-ira-custodial-agreement-and-disclosure-statement.pdf", "form_number": "5305-A", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "guide, qualified disclaimer, generally within nine months; disclaimed assets pass to the other beneficiaries", "quote": "A valid disclaimer must meet specific requirements and generally must be executed within nine months of an account owner's death.", "account_type": "Traditional IRA", "page": "1", "source_url": "https://docs.rbcwealthmanagement.com/us/2116-ira-beneficiary-planning.pdf", "form_number": "", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "baird", "institution": "Robert W. Baird & Co. (Baird Funds direct IRAs and TOD accounts)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Baird Funds IRA (U.S. Bank custodian)", "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)" ], "florida": false, "fields": { "per_stirpes_offered": { "value": "yes", "detail": "per named beneficiary", "quote": "Client may indicate per stirpes distribution for one or more named beneficiaries.", "account_type": "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)", "page": "28", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "only to the predeceased beneficiary's living children in equal shares; Baird warns this may differ from state law", "quote": "If Client indicates a per stirpes distribution for a named beneficiary and such beneficiary predeceases Client, Baird will distribute such beneficiary's portion to his or her living children (natural or legally adopted, not including step-children), if any, in equal shares. ... Client understands Baird's distribution of per stirpes as described herein may differ from the definition of per stirpes under state law, Client's will or trust.", "account_type": "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)", "page": "28", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually", "quote": "All beneficiaries must be named, as the Custodian cannot properly determine beneficiaries such as \"children\" or \"spouse\".", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "1", "source_url": "https://content.rwbaird.com/BairdFunds/PDF/TA_IRABenChange_0110.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "class terms such as \"children\" or \"spouse\" refused", "quote": "All beneficiaries must be named, as the Custodian cannot properly determine beneficiaries such as \"children\" or \"spouse\".", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "1", "source_url": "https://content.rwbaird.com/BairdFunds/PDF/TA_IRABenChange_0110.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If Client does not designate a beneficiary or if all Client's primary and contingent beneficiaries predecease Client, Client's estate will be the beneficiary of Client's IRA.", "account_type": "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)", "page": "28", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "original beneficiary may name successors; default is that beneficiary's estate", "quote": "If permitted under applicable law, Baird may allow an original beneficiary ... to name successor beneficiaries for the inherited IRA. ... If the original IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary.", "account_type": "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)", "page": "28", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "secondaries take only if all primaries predecease or disclaim; equal shares if no percentages", "quote": "The secondary beneficiary(ies) will only inherit the assets in the event all primary beneficiaries predecease the account owner(s) or disclaim their inheritance.", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "1", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states", "quote": "If you name someone other than or in addition to your spouse as a primary beneficiary in Primary Beneficiary Designation section and reside in a community or marital property state (AZ, CA, ID, LA, NV, NM, TX, WA, and WI), your spouse must consent to the designation by signing below.", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "2", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes unless the ex-spouse is designated or re-affirmed in writing after the divorce; Baird protected if it pays without written notice of the divorce", "quote": "If Client's spouse is a named beneficiary and Client subsequently becomes divorced, Client's ex-spouse will be treated as if he or she predeceased Client ... if Client specifically designates or re-affirms Client's ex-spouse as a beneficiary in writing following the effective date of Client's divorce", "account_type": "Baird brokerage IRA (Baird Trust Company trustee; IRA Custodial Supplement to the Client Relationship Agreement)", "page": "28", "source_url": "https://content.rwbaird.com/RWB/Content/PDF/Help/Client-Relationship-Agreement.pdf", "form_number": "", "revision_date": "2022-01-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; separate paper for more", "quote": "on a separate piece of paper if you wish to designate more then three primary or secondary beneficiaries", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "1", "source_url": "https://www.bairdassetmanagement.com/siteassets/pdfs/forms/ta-irabenchange.pdf", "form_number": "ZZ-BEN-DES", "revision_date": "2025-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail or overnight mail to U.S. Bank Global Fund Services (transfer agent)", "quote": "This designation will not be in force unless it is signed and received by the custodian, at one of the addresses above ... Sign and return the form to one of the addresses above.", "account_type": "Baird Funds IRA (U.S. Bank custodian)", "page": "1", "source_url": "https://content.rwbaird.com/BairdFunds/PDF/TA_IRABenChange_0110.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "robinhood", "institution": "Robinhood (Robinhood Securities, LLC custodian)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, if it meets see-through-style conditions", "quote": "A trust may be designated as a Beneficiary if (i) the trust is valid under state law (or would be but for the lack of a corpus), (ii) the trust is irrevocable or will become irrevocable upon your death, (iii) the beneficiaries of the trust are identifiable from the trust instrument, and (iv) you (or, after your death, the trustee) provide the Custodian with a copy of the trust instrument, or a certification of trust acceptable to the Custodian listing all trust beneficiaries", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent beneficiaries can be individuals or trusts, and require the same information as primary beneficiaries of the same type.", "account_type": "Traditional IRA", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name, date, TIN", "quote": "If the Beneficiary is a trust, you must provide the trust's name, date, and Tax ID.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name, date, TIN; no trustee name", "quote": "If the Beneficiary is a trust, you must provide the trust's name, date, and Tax ID.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "yes, trust copy or certification listing all trust beneficiaries, by a custodian deadline tied to Reg. 1.401(a)(9)-4; may also require trustee TIN, authority evidence, indemnity", "quote": "provide the Custodian with a copy of the trust instrument, or a certification of trust acceptable to the Custodian listing all trust beneficiaries, in a form and by a deadline acceptable to the Custodian and consistent with Treasury Regulation section 1.401(a)(9)-4. The Custodian may, in its sole discretion, require additional documentation, including but not limited to the trustee's tax identification number, evidence of the trustee's authority, and an indemnification from the trustee.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "owner or trustee may provide a certification of trust listing all beneficiaries (alternative to trust copy)", "quote": "or a certification of trust acceptable to the Custodian listing all trust beneficiaries", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no, unborn and successor beneficiaries barred; pro rata lapse", "quote": "You may not designate an unborn or successor Beneficiary. ... the predeceased or ineligible Primary Beneficiary's share divided pro rata among the surviving Primary Beneficiaries", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "only named beneficiaries take", "quote": "Only beneficiaries identified by name will share in the account assets. Per Stirpes distributions are not", "account_type": "Traditional IRA", "page": "11", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no (in-app only; custodian may limit to designations it \"can operationally support\")", "quote": "We reserve the right to limit the designation of beneficiaries to only those that we can operationally support.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "no, individual beneficiaries must be 18 or older and U.S. citizens; charities and minors \"may not be available\"", "quote": "Individual Beneficiaries must be at least 18 years old, a U.S. Citizen, and of legal age under the laws of the jurisdiction where they reside. ... Examples of Beneficiary designations that may not be available to you are Charities, foreign individuals, and minor individuals who have not attained the age of majority.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "not offered in app; estate is fallback", "quote": "\"Beneficiary\" shall mean any person, persons, estate, trust, or other entity permitted under the Code and acceptable to the Custodian", "account_type": "Traditional IRA", "page": "5", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "if no Primary or Contingent Beneficiary survives you or is eligible, to your surviving spouse (if any) or your estate if no surviving spouse.", "account_type": "Traditional IRA", "page": "11", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries, then contingents; beneficiary must survive by 120 hours", "quote": "with the predeceased or ineligible Primary Beneficiary's share divided pro rata among the surviving Primary Beneficiaries", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, owner warrants consent; app may prompt a spousal consent agreement", "quote": "If you are married and live, or have lived, in a state with community property statutes and do not designate your spouse as the sole beneficiary, you represent and warrant that your spouse has consented to such designation.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke (subject to state law)", "quote": "A Beneficiary designation will NOT automatically be revoked or modified due to the Investor's divorce, legal separation, annulment or other dissolution of marriage, depending on the laws of any given state.", "account_type": "Traditional IRA", "page": "10", "source_url": "https://cdn.robinhood.com/assets/robinhood/legal/traditional-ira-customer-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "up to 10 (help page); 10 contingents per account", "quote": "You can add up to 10 beneficiaries when you set up your IRA with Robinhood or any time after that", "account_type": "Traditional IRA", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes, app only", "quote": "To set up beneficiaries for your investing and IRA accounts, select Account ... Settings > Beneficiaries.", "account_type": "Traditional IRA", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "in-app only", "quote": "To set up beneficiaries for your investing and IRA accounts, select Account", "account_type": "Traditional IRA", "page": "web page", "source_url": "https://robinhood.com/us/en/support/articles/beneficiaries/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-schoolsfirst", "institution": "SchoolsFirst Federal Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "Roth IRA", "Inherited Traditional or Roth IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "persons or entities, including trusts", "quote": "You may designate one or more persons or entities as beneficiary of ... trusts may also qualify as a designated beneficiary under the IRA", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "3", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no trust paperwork is given to the custodian", "quote": "No trust paperwork is required to be ... provided to the IRA trustee or custodian.", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "6", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "no", "detail": "the trust's trustee decides see-through status; nothing is filed with the custodian", "quote": "The trustee of the trust is responsible ... for determining whether the trust is a see-through trust", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "6", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor child is recognized as an eligible designated beneficiary; no custodian or guardian arrangement stated", "quote": "your child who has not reached age 21", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "6", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "an estate can be named (treated as no designated beneficiary)", "quote": "(e.g., your estate, a charity, or a trust that is not a see-through", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "7", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If you do not designate a beneficiary or if all of your primary and ... contingent beneficiaries predecease you, your estate will be the", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "3", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "the original beneficiary may name successor beneficiaries; otherwise the beneficiary's estate is successor", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... beneficiaries for the inherited IRA. This designation can only be ... successor beneficiary, his or her estate will be the successor", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "3", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take only if no primary survives", "quote": "If you have designated both primary and contingent ... beneficiaries and no primary beneficiary survives you, the ... contingent beneficiaries will acquire the designated share of your", "account_type": "Traditional IRA (IRA share and share certificates; Ascensus custodial agreement)", "page": "3", "source_url": "https://www.schoolsfirstfcu.org/globalassets/PDF/ira-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse should sign if a married owner names someone other than or in addition to the spouse (community or marital property state)", "quote": "Spousal consent should be considered if either the trust or the residence of the ... inherited IRA owner is located in a community or marital property state.", "account_type": "Inherited Traditional or Roth IRA (beneficiary naming successor beneficiaries)", "page": "2", "source_url": "https://www.schoolsfirstfcu.org/gateway/api/contentservices/api/contentstream/contentRepository/PDFs/Inherited-Beneficiary-Individual-Retirement-Account_IRA_Beneficiary-Designation.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2021-06-23", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs and dates the consent on the form; no notary stated", "quote": "I hereby relinquish any interest that I may have in this inherited IRA and consent to", "account_type": "Inherited Traditional or Roth IRA (beneficiary naming successor beneficiaries)", "page": "2", "source_url": "https://www.schoolsfirstfcu.org/gateway/api/contentservices/api/contentstream/contentRepository/PDFs/Inherited-Beneficiary-Individual-Retirement-Account_IRA_Beneficiary-Designation.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2021-06-23", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; addendums allowed", "quote": "Check here if additional beneficiaries are listed on an attached addendum.", "account_type": "Inherited Traditional or Roth IRA (beneficiary naming successor beneficiaries)", "page": "2", "source_url": "https://www.schoolsfirstfcu.org/gateway/api/contentservices/api/contentstream/contentRepository/PDFs/Inherited-Beneficiary-Individual-Retirement-Account_IRA_Beneficiary-Designation.pdf", "form_number": "", "revision_date": "2015-04", "wayback_capture": "2021-06-23", "retrieved": "2026-09-24" } } }, { "inst_id": "cu-security-service", "institution": "Security Service Federal Credit Union", "segment": "credit_union", "account_group": "ira", "account_types": [ "Security Service Traditional, Roth and SIMPLE IRA" ], "florida": false, "fields": { "default_beneficiary": { "value": "yes", "detail": "the owner's estate", "quote": "If no beneficiaries are named, my estate will be my beneficiary.", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share lapses and goes pro rata to the remaining beneficiaries; contingents take only if all primaries predecease", "quote": "The interest of any beneficiary that predeceases me terminates completely, and the percentage share of any remaining beneficiaries will be increased on a pro rata basis. ... if all primary beneficiaries have predeceased the IRA owner.", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "1", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "advisory (\"should\"), community or marital property state, where someone other than or in addition to the spouse is named primary", "quote": "Spousal consent should be considered if either the trust or the residence of the IRA owner is located in a community or marital property state. ... if I choose to designate a primary beneficiary other than or in addition to my spouse, my spouse should sign below.", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent with a witness signature; no notary", "quote": "I acknowledge that I have received a fair and reasonable disclosure of my spouse's property and financial obligations. ... Signature of Spouse ... Signature of Witness", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "10 primary and 10 contingent lines; any number of addenda may be attached", "quote": "Check here if additional beneficiaries are listed on an attached addendum. Total number of addendums attached to this IRA", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form delivered to the credit union as IRA custodian; channel (mail, branch) not stated", "quote": "I understand that I may replace my beneficiary designations at any time by completing and delivering the proper form to the trustee or custodian.", "account_type": "Security Service Traditional, Roth and SIMPLE IRA", "page": "2", "source_url": "https://www.ssfcu.org/-/media/files/operational-forms/ira-beneficiary-designation.pdf?la=en&hash=9AA393059C70309A5308FA3DF97D05A430C93101", "form_number": "", "revision_date": "2012-05", "wayback_capture": "2019-09-17", "retrieved": "2026-09-24" } } }, { "inst_id": "sofi", "institution": "SoFi Invest (SoFi Securities; Apex Clearing custodian per SoFi disclosures)", "segment": "brokerage", "account_group": "ira", "account_types": [ "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "trusts cannot be named as beneficiaries (help article, applies to Invest accounts)", "quote": "Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "trusts cannot be named at any level", "quote": "Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "minors cannot be named", "quote": "Note: We cannot accommodate trusts, minors, or non-U.S. citizens as beneficiaries at this time.", "account_type": "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online in the IRA Invest account (gear icon, Beneficiary, Add Beneficiaries)", "quote": "to Traditional, Roth, and SEP IRA accounts for both Auto and Active accounts. ... Select the gear icon and then click on", "account_type": "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online", "quote": "Login to your SoFi IRA Invest account ... Select the gear icon and then click on", "account_type": "SoFi Invest Traditional, Roth and SEP IRA (Auto and Active)", "page": "web page", "source_url": "https://support.sofi.com/hc/en-us/articles/360043856692-Am-I-able-to-have-beneficiaries-listed-on-my-Invest-accounts", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" } } }, { "inst_id": "stash", "institution": "Stash (Stash Investments)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)" ], "florida": false, "fields": { "minors": { "value": "yes", "detail": "custodian may pay a parent, guardian, conservator, trustee or legal representative", "quote": "If the beneficiary designated to receive payments hereunder is a minor or person of unsound mind, whether so formally adjudicated or not, we may, at our discretion, make such payments to such person as may be acting as parent, guardian, committee, conservator, trustee or legal representative", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "7", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (Apex custodial agreement)", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your spouse will be the beneficiary, or if there is no spouse living at the time of your death, your estate will be the beneficiary.", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "web page", "source_url": "https://cdn.stash.com/disclosures/Apex_Custodial_Agreement_Traditional_IRA.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "original beneficiary may name successors; default is that beneficiary's estate", "quote": "We may allow, if permitted by state law, an original IRA beneficiary(ies) ... to name successor beneficiary(ies) for the inherited IRA. ... If the original IRA beneficiary(ies) does not designate a successor beneficiary(ies), his or her estate will be the successor beneficiary.", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "web page", "source_url": "https://cdn.stash.com/disclosures/Apex_Custodial_Agreement_Traditional_IRA.html", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; contingents take only if no primary survives (Apex form)", "quote": "If the death of one or more designated Primary Beneficiary(ies) precedes my death, the interest they would have received from this IRA will be paid, upon my death, to my surviving Primary Beneficiary(ies) Pro Rata", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "3", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner decides; spouse consent section on the application", "quote": "Consent of the IRA account owner's (owner, owner's, its) Spouse may be required (for example, in a Community Property or Marital Property State) to effectively designate a beneficiary other than or in addition to the owner's Spouse.", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "3", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs with a witness signature; no notary", "quote": "I hereby give the Account Holder any interest I have in the funds or property deposited in this Account and consent to the beneficiary designation(s) indicated above ... WITNESS:", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "3", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach another form", "quote": "If more space is needed for additional Primary Beneficiaries, please attach another form.", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "3", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "Apex paper application asks for original signatures (Stash's in-app process not documented)", "quote": "All forms should have original signatures", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "1", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper forms through the broker (Stash)", "quote": "Send completed forms along with initial contribution check(s) to your personal broker.", "account_type": "Stash Traditional and Roth IRA (Apex Clearing Corporation custodian; Apex application and custodial agreement)", "page": "1", "source_url": "https://cdn.stash.com/disclosures/Apex-Roth-IRA-Agreement.pdf", "form_number": "69164P-QPNA", "revision_date": "2019-12-17", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-state-street-bank-and-trust-company", "institution": "State Street Bank and Trust Company", "segment": "bank", "account_group": "ira", "account_types": [ "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "Sequoia Fund IRA (Traditional, Roth), State Street Bank and Trust Company custodian" ], "florida": false, "fields": { "custom_designation_accepted": { "value": "yes", "detail": "a different written designation may be submitted to the custodian", "quote": "If you cannot accomplish your estate planning objectives with this Designation of Beneficiary", "account_type": "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "page": "2", "source_url": "https://www.royceinvest.com/pdf/retirement/IRA-BEN.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate unless state law requires otherwise", "quote": "Any amount remaining in the Account that is not disposed of by a proper Designation of Beneficiary will be distributed to your estate (unless otherwise required by the laws of your state of residence).", "account_type": "Sequoia Fund IRA (Traditional, Roth), State Street Bank and Trust Company custodian", "page": "1", "source_url": "https://www.sequoiafund.com/wp-content/uploads/2025/01/Sequoia-IRA-Beneficiary-Designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; alternates only if no primary survives", "quote": "If any Primary Beneficiary predeceases me, his/her share is to be divided among the Primary Beneficiaries who survive me in the relative proportion assigned to each such surviving Primary Beneficiary. ... If none of the Primary Beneficiaries survives me, pay any interest I may have under my Account to the following Alternate Beneficiary", "account_type": "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "page": "1", "source_url": "https://www.royceinvest.com/pdf/retirement/IRA-BEN.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states, if the spouse is not primary for at least half", "quote": "if you are married and reside in a community property or marital property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington or Wisconsin), you may need to obtain your spouse's consent if you have not designated your spouse as Primary Beneficiary for at least half of your Account.", "account_type": "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "page": "2", "source_url": "https://www.royceinvest.com/pdf/retirement/IRA-BEN.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs the consent with a witness signature; no notary", "quote": "I acknowledge that I have received a full and reasonable disclosure of my spouse's property and financial obligations. ... SIGNATURE OF WITNESS FOR SPOUSE", "account_type": "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "page": "2", "source_url": "https://www.royceinvest.com/pdf/retirement/IRA-BEN.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "owner's own signature needs no guarantee; a person signing for the owner needs a signature guarantee (notary not accepted)", "quote": "(if signing on behalf of the account owner, please include your designated title and a signature guarantee) ... Notarization by a notary public is not acceptable.", "account_type": "Sequoia Fund IRA (Traditional, Roth), State Street Bank and Trust Company custodian", "page": "3", "source_url": "https://www.sequoiafund.com/wp-content/uploads/2025/01/Sequoia-IRA-Beneficiary-Designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to the transfer agent", "quote": "Please mail the completed form to: The Royce Funds c/o SS&C GIDS, Inc.", "account_type": "Royce Funds IRA (Traditional, Roth, SEP, 403(b)(7)), State Street Bank and Trust Company custodian", "page": "2", "source_url": "https://www.royceinvest.com/pdf/retirement/IRA-BEN.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "stifel", "institution": "Stifel (Stifel, Nicolaus & Company, custodian)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may designate one or more persons or entities as beneficiary of your IRA. This designation can only be made on a form provided by or acceptable to us", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, checkbox on the (non-public) form; Stifel may wait for the executor to identify takers", "quote": "Certain accounts (e.g., Individual Retirement Accounts & Transfer-On-Death accounts) permit the account owner to designate beneficiaries ... On accounts that permit beneficiary designation, a check box appears on the beneficiary designation form that, when checked, shall serve as the account owner's direction that, in the event that a beneficiary predeceases the account owner, the deceased beneficiary's share shall be distributed to his or her lineal descendants by representation (Per Stirpes).", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "lineal descendants by representation under law of owner's state of residence at death", "quote": "The shares distributable to descendants under a per stirpes beneficiary designation shall be determined by the law of the state of the account owner's residence at the time of the account owner's death. Stifel, in its sole discretion, may determine not to make a distribution of the account to per stirpes or other unnamed beneficiaries unless and until Stifel has been instructed by the deceased account owner's court-appointed personal representative", "account_type": "Traditional IRA", "page": "9", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes; owner may name UTMA custodian and set termination age up to 25", "quote": "The minor shall be deemed to be a minor until such Beneficiary reaches 1) the age of majority under the law of the state of the minor's domicile or 2) a later age for termination of minor status, if state law allows, but in no event later than age 25, as designated by the Investor in the Beneficiary designation accepted by the Custodian.", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (default)", "quote": "If you do not designate a beneficiary, or if all of your primary and contingent beneficiary(ies) predecease you, your estate will be the beneficiary.", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "If you do not designate a beneficiary, or if all of your primary and contingent beneficiary(ies) predecease you, your estate will be the beneficiary.", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes, if state law permits", "quote": "We may allow, if permitted by state law, an original IRA beneficiary(ies) ... to name a successor beneficiary(ies) for the inherited IRA. This designation can only be made on a form provided by or acceptable to us", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take if no primary survives; per stirpes box for a predeceased beneficiary's descendants", "quote": "no primary beneficiary(ies) survives you, the contingent ... beneficiary(ies) shall acquire the designated share of", "account_type": "Traditional IRA", "page": "51", "source_url": "https://www.stifel.com/docs/pdf/Disclosures/AgreementAndDisclosureBooklet-5-19.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "strata-trust", "institution": "STRATA Trust Company", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth, SEP and SIMPLE IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "individuals or entities", "quote": "The following individual s or entity ies shall be my primary and/or contingent beneficiary ies", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "1", "source_url": "https://www.stratatrust.com/content/uploads/2017/07/IRA-Beneficiary-Designation.pdf", "form_number": "Form 57589", "revision_date": "1.2020", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entities may be primary or contingent (no separate trust box)", "quote": "The following individual(s) or entity(ies) shall be the accountholders primary and/or contingent beneficiary(ies).", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "4", "source_url": "https://knowledge.stratatrust.com/hubfs/IRA%20Account%20Application%20Traditional%2C%20Roth%2C%20%26%20SEP-3.pdf?hsLang=en", "form_number": "5305-SEP", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "trust instrument or qualified trust documentation after death", "quote": "Provide STRATA with a copy of the trust instrument or qualified trust documentation by October 31 of the year following the IRA owner's death", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "web page", "source_url": "https://knowledge.stratatrust.com/what-do-ira-accountholders-need-to-know-about-beneficiary-designations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "restates the see-through conditions and the October 31 deadline", "quote": "To qualify as an IRA beneficiary, a trust must meet the following conditions: Be valid under state law Be irrevocable (or become irrevocable upon death) Have clearly identifiable beneficiaries Provide STRATA with a copy of the trust instrument or qualified trust documentation by October 31 of the year following the IRA owner's death", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "web page", "source_url": "https://knowledge.stratatrust.com/what-do-ira-accountholders-need-to-know-about-beneficiary-designations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes; an inherited IRA is opened for the minor", "quote": "Yes, you can designate a minor as a beneficiary. If the account owner passes, an inherited IRA must be opened for the minor.", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "web page", "source_url": "https://knowledge.stratatrust.com/what-do-ira-accountholders-need-to-know-about-beneficiary-designations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If no primary or contingent beneficiary ies survive me, the remaining balance in my account shall be payable to my legal spouse, or if none, my estate.", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "1", "source_url": "https://www.stratatrust.com/content/uploads/2017/07/IRA-Beneficiary-Designation.pdf", "form_number": "Form 57589", "revision_date": "1.2020", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a minor beneficiary names own beneficiaries at 21 (knowledge page); no general successor-beneficiary rule stated", "quote": "Once the minor turns 21, they must open their own account and name new beneficiaries.", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "web page", "source_url": "https://knowledge.stratatrust.com/what-do-ira-accountholders-need-to-know-about-beneficiary-designations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "heirs of a predeceased beneficiary take nothing; pro rata to others", "quote": "If any primary or contingent beneficiary dies before I do, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary ies shall be increased on a pro rata basis.", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "1", "source_url": "https://www.stratatrust.com/content/uploads/2017/07/IRA-Beneficiary-Designation.pdf", "form_number": "Form 57589", "revision_date": "1.2020", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property interest", "quote": "Complete this section if Accountholder is married and has designated a Primary Beneficiary other than his/her spouse and this IRA includes property in which his/her spouse possesses a community property interest", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "", "source_url": "https://www.stratatrust.com/content/uploads/2017/07/IRA-Beneficiary-Designation.pdf", "form_number": "Form 57589", "revision_date": "1.2020", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke; owner must file a new form", "quote": "A divorce does not automatically revoke a spousal beneficiary designation. If the account owner wishes to remove or change their beneficiary after a divorce, they must submit a new Beneficiary Designation/Change form.", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "web page", "source_url": "https://knowledge.stratatrust.com/what-do-ira-accountholders-need-to-know-about-beneficiary-designations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "e-sign option at StrataTrust.com/Forms (banner on the 2025 application and information change forms; not on the 2020 beneficiary form)", "quote": "Looking for an easier, faster way to submit paperwork? ... E-sign and transmit directly to STRATA", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "1", "source_url": "https://knowledge.stratatrust.com/hubfs/Information%20Change%20Request%20-%20Beneficiary-1.pdf?hsLang=en", "form_number": "791", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; fax; mail; overnight (2020 form); e-sign and upload at StrataTrust.com/Forms", "quote": "Pleasesubmitusingonemethod ... Email:AccountMaintenance@StrataTrust.com ... USMail:POBox23149,Waco,TX76702", "account_type": "Traditional, Roth, SEP and SIMPLE IRA", "page": "1", "source_url": "https://www.stratatrust.com/content/uploads/2017/07/IRA-Beneficiary-Designation.pdf", "form_number": "Form 57589", "revision_date": "1.2020", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "trowe-price", "institution": "T. Rowe Price (direct IRAs and brokerage)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust by name", "quote": "A beneficiary may be one or more individuals or legal entities, such as a trust, estate or charity.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "the rule applies to primary and secondary beneficiaries", "quote": "A beneficiary may be one or more individuals or legal entities, such as a trust, estate or charity.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "default; T. Rowe uses \"per capita\" to mean a predeceased beneficiary's share is reallocated to the surviving beneficiaries of the same class", "quote": "Unless you indicate otherwise, T. Rowe Price will distribute to your beneficiaries on a per capita basis.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "A beneficiary may be one or more individuals or legal entities, such as a trust, estate or charity.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If there are no beneficiaries on your account, your surviving spouse will be considered your sole beneficiary. If you do not have a surviving spouse, your estate will be considered your sole beneficiary.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "form covers Inherited IRAs, subject to state law", "quote": "Inherited IRA: Some states may restrict adding beneficiaries on Inherited IRAs. Consult an attorney or the appropriate state authority.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "T. Rowe calls proportional reallocation \"per capita\"", "quote": "Unless you indicate otherwise, T. Rowe Price will distribute to your beneficiaries on a per capita basis. This means if a primary beneficiary dies before you, the percentages will be recalculated proportionately among the surviving primary beneficiaries.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; attach a separate page for more", "quote": "For more beneficiaries, check this box and attach a separate page.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online", "quote": "Roth, Rollover, and Traditional IRA beneficiary changes can be requested at troweprice.com.", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (Roth, Rollover and Traditional IRAs); mail; express delivery", "quote": "Roth, Rollover, and Traditional IRA beneficiary changes can be ... requested at troweprice.com. ... Baltimore, MD 21297-1302", "account_type": "Traditional, Rollover, Roth, SEP, SIMPLE and Inherited IRA", "page": "1", "source_url": "https://www.troweprice.com/content/dam/iinvestor/Forms/IRABeneCh.pdf", "form_number": "FMF3BEN1", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tastytrade", "institution": "tastytrade, Inc.", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA (Apex form)" ], "florida": false, "fields": { "banned_language": { "value": "yes", "detail": "no fractions or dollar amounts", "quote": "Share totals must equal 100%. Do not use fractional percentages or dollar amounts", "account_type": "Traditional and Roth IRA (Apex form)", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per custodial agreement (not retrieved)", "quote": "If none of the Primary or Contingent beneficiaries I have designated survives me, any interest I may have in this IRA shall be paid in accordance with the rules and procedures specified in the 'Beneficiaries' section of the IRA Custodial Agreement governing this IRA.", "account_type": "Traditional and Roth IRA (Apex form)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata to surviving primaries; no per stirpes", "quote": "If the death of one or more designated Primary Beneficiary(ies) precedes my death, the interest they would have received from this IRA will be paid, upon my death, to my surviving Primary Beneficiary(ies) Pro Rata such that 100% is paid to the surviving primary beneficiary(ies)", "account_type": "Traditional and Roth IRA (Apex form)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community or marital property states; owner decides if needed", "quote": "Consent of the Account holder's (Participant) Spouse may be required (for example, in a Community Property or Marital Property State) to effectively designate a beneficiary other than or in addition to the Participant's Spouse.", "account_type": "Traditional and Roth IRA (Apex form)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signature with a witness signature", "quote": "Signature of Spouse Date Signature of Witness", "account_type": "Traditional and Roth IRA (Apex form)", "page": "2", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 primary and 5 contingent lines; attach another form for more", "quote": "If more space is needed for additional Primary Beneficiaries, please attach another form.", "account_type": "Traditional and Roth IRA (Apex form)", "page": "1", "source_url": "https://cdn.firstrade.com/forms/en-us/ira_beneficiary_designation.pdf", "form_number": "5050P-UBEN", "revision_date": "2025-12-19", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "td-ameritrade-legacy", "institution": "TD Ameritrade (legacy; now Charles Schwab)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (former TD Ameritrade IRA now held at Schwab)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Relationship (Select only one.) ... Trust", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiaries ... Trust/Organization/Estate (If Trust, include full Trust name.)", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "partial, full trust name, TIN, trust date; no trustee", "quote": "If Trust, include full Trust name. ... Social Security/Tax ID Number ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "full trust name and trust date; no trustee name asked", "quote": "Trust/Organization/Estate (If Trust, include full Trust name.) ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, for individuals only; one election per account", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account. ... Per stirpes and per capita are options for individual beneficiaries only; for trusts or organizations (such as charities), designate only a percentage.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "Schwab's own definition, limited to the named beneficiary's living children (one generation); may differ from state law", "quote": "Per stirpes and per capita distributions are limited to your named beneficiary's children and no further descendants. ... The definition of per stirpes and per capita in this form may differ from the definition of per stirpes and per capita under your state's laws and/or your will or trust.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "one election per account; Schwab's own one-generation definition", "quote": "Select either a per stirpes or a per capita distribution option. Only one option may be selected per account.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "3", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "named individuals only; a later-born child is not included", "quote": "you. Your designation of named individuals who ... may be in the same class as other individuals ... (e.g., your children or grandchildren) will not ... include the other unnamed members of that", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "9", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no statement accepting custom language; attachment only for extra names; designation must be \"on the form provided\"", "quote": "You must designate your beneficiaries in writing on the form provided. ... If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on this application.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Relationship (Select only one.) ... Trust / Organization / Estate", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then living children equally (not stepchildren), then estate", "quote": "If I do not designate a Beneficiary, the balance of the account shall be distributed in the listed order of priority to the following named person(s) surving [sic] me: a) my spouse, b) my living children (natural or legally adopted) in equal shares; stepchildren are not legally defined as descendants for these purposes, c) my estate.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes, on the Inherited IRA application (section 7) or this form", "quote": "7. Designate Your Beneficiary(ies) ... If you wish to indicate additional designation options, including, but not limited to Per Stirpes or Per Capita designations, please skip this section, complete the Schwab Beneficiary Designation form for IRA and 403(b)(7) Accounts, and submit it with this application.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "8", "source_url": "https://content.schwab.com/MARS-files/LPM27474.pdf", "form_number": "AEM10330989", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, per capita; an Authorized Party must certify who takes", "quote": "If all of your named beneficiaries die before you, Schwab will distribute your assets equally among all of the living children of your named beneficiaries, if any. ... If you indicate per stirpes or per capita for a named beneficiary, Schwab will require the Authorized Party (named in Section 5) to certify the identity of the per stirpes/per capita beneficiary(ies) prior to distributing your assets.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "2", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, owner warrants spouse consented; no spouse signature line", "quote": "If I live in a state with community property statutes and do not designate my spouse as the sole Primary Beneficiary, I represent and warrant that my spouse has consented to such designation.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "1", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed, dated sheet", "quote": "If more than four Primary or Contingent Beneficiaries are designated, attach a separate sheet of paper, signed and dated as it appears on", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "7", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login required)", "quote": "If you wish to indicate additional designation options, please visit www.schwab.com/beneficiaries.", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "4", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload by secure message; fax; branch; online options at schwab.com/beneficiaries", "quote": "Upload online with secure messaging (if you are an existing client and have online access to your Account). ... Fax to 1-888-526-7252. ... Bring to your nearest Schwab branch", "account_type": "Traditional IRA (former TD Ameritrade IRA now held at Schwab)", "page": "8", "source_url": "https://bynder.schwab.com/m/48296d15f3cf342/", "form_number": "AEM10603357", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-bank-of-new-york-mellon", "institution": "The Bank of New York Mellon", "segment": "bank", "account_group": "ira", "account_types": [ "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "BNY Brokerage Account IRA (BNY Brokerage Services; The Bank of New York Mellon custodian; form MBS-XBF-0726)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement. ... Beneficiary's Full Name (first, middle, last) or Trust Name", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes (secondary)", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee name and address, trust name and date, tax ID", "quote": "write the name and address of the trustee, then give the name and date of the trust agreement ... Date of Birth/Trust (month/day/year)", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name and address plus trust name and date", "quote": "To name a trust as a primary or secondary beneficiary, write the name and address of the trustee, then give the name and date of the trust agreement.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "custodian required; owner (or a primary beneficiary, for a secondary) cannot be custodian", "quote": "If a beneficiary is a minor, you must designate a custodian and provide the minor's date of birth. ... Custodian, if beneficiary is a minor (account owner cannot be designated as the custodian)", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "the estate may be named; also the default", "quote": "If no beneficiary survives you, if no beneficiary is in effect at your death, or if your beneficiary is your estate, the balance in your BNY Brokerage Account IRA will be paid to your estate.", "account_type": "BNY Brokerage Account IRA (BNY Brokerage Services; The Bank of New York Mellon custodian; form MBS-XBF-0726)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/mbs-ira-account-beneficiary-designation.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If no beneficiary survives you, or if no beneficiary designation is in effect at your death, the balance in your IRA(s) will be paid to your estate.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes (custodial agreement 2(c))", "quote": "after your death, your Beneficiary may designate and/or change a Beneficiary to receive any undistributed portion of the Account at the death of the Beneficiary", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "2", "source_url": "https://www.bny.com/content/dam/im/documents/imwebdocs/account-form/annual/ira-plan-disc-form.pdf", "form_number": "IRDS-0324", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving primaries; secondaries only if all primaries predecease", "quote": "Any secondary beneficiary you name will receive all or a portion of your IRA balance(s) only if all primary beneficiaries die before you. For example, if you name two primary beneficiaries but one of them dies before you, the entire balance will be paid to the surviving beneficiary.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 lines per level on RET-BEN-0124 (8 on IM-BEN-0525); extra sheet allowed", "quote": "If designating more than three primary or secondary beneficiaries, check the box below and attach a separate sheet of paper to this form with all beneficiary information.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "1", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/ret-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (IM-BEN-0525)", "quote": "For IRAs only, please note that beneficiaries can be added or changed by logging into your account online at www.bnyfunds.com.", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "4", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail (regular or overnight) to BNY Shareholder Services, Pittsburgh", "quote": "For IRAs only, please note that beneficiaries can be added or changed by logging into your account online ... Please mail this completed form to", "account_type": "BNY mutual fund IRA (Traditional, Rollover, Roth, SEP; The Bank of New York Mellon custodian)", "page": "4", "source_url": "https://www.bny.com/assets/investments/im/documents/imwebdocs/account-form/annual/im-ira-beneficiary-designation-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "entrust", "institution": "The Entrust Group", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "2B: Entity Beneficiaries Use this section if you're naming any entities (e.g. charities, corporations, trusts, or foundations) as beneficiaries.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "2", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "PRIMARY or CONTINGENT*", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "1", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "yes, entity name, TIN (required for trusts), a named primary contact", "quote": "NAME OF ENTITY* NAME OF PRIMARY CONTACT* ... TAX ID (only required if the entity is a trust)*", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "2", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "yes, copy, abstract, or Certification of Trust", "quote": "If a trust is named as a Beneficiary, you must provide a copy or abstract of the Trust or a Certification of Trust.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "2", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no dollar amounts; percentages to six decimals", "quote": "Distributions cannot be expressed in dollar amounts.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "1", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes (default)", "quote": "If no beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "1", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate", "quote": "If no beneficiary survives me, or if I do not designate a beneficiary, pay the full value of my account to my estate.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "1", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "proportionately to surviving beneficiaries", "quote": "I understand that if a Primary Beneficiary predeceases me, the remaining portion will be divided proportionately to any surviving Beneficiaries in a manner provided in the applicable Entrust Individual Retirement Custodial Account Agreement.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "1", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property only; notarized (or spouse's photo ID)", "quote": "Spousal Consent is required only if all of the following conditions are met: A. The spouse is not the sole primary beneficiary named and; B. The account owner and the spouse are residents of a community property state", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "3", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "notarized, or spouse's photo ID copy; separate Spousal Consent Form for online designations", "quote": "IMPORTANT: This form must be notarized to confirm that the spouse has waived part or all of their benefits. If the form is not notarized, the spouse must provide a copy of a valid, unexpired government-issued photo ID", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "3", "source_url": "https://www.theentrustgroup.com/hubfs/Beneficiary_Designation_Form.pdf", "form_number": "BDC", "revision_date": "Rev. 12-18-2025", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke (educational webinar answer, not a contract term)", "quote": "The ex-spouse gets the IRA. IRAs pass by the beneficiary form, not the will.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "24", "source_url": "https://www.theentrustgroup.com/hubfs/Webinar_December_2023_Presentation.pdf", "form_number": "590-B", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes to add; removal only by paper form", "quote": "After logging in to the Entrust Client Portal ... click \"Add Beneficiary(ies)\" ... You are not able to remove beneficiaries through the online portal.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "web page", "source_url": "https://www.theentrustgroup.com/knowledge-base/how-to-designate-and-manage-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; email; mail; online portal (additions only)", "quote": "SUBMIT BY FAX ... SUBMIT BY EMAIL ... SUBMIT BY MAIL ... After logging in to the Entrust Client Portal", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "web page", "source_url": "https://www.theentrustgroup.com/knowledge-base/how-to-designate-and-manage-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "3 to 5 business days", "quote": "Beneficiary designations take about three to five business days to review and process.", "account_type": "Traditional IRA (also Roth, SEP, SIMPLE, HSA)", "page": "web page", "source_url": "https://www.theentrustgroup.com/knowledge-base/how-to-designate-and-manage-beneficiaries", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-the-northern-trust-company", "institution": "The Northern Trust Company", "segment": "bank", "account_group": "ira", "account_types": [ "Northern Funds IRA" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entities may be named (agreement 8.07); the inherited IRA claim form takes a trust as beneficiary", "quote": "You may designate one or more persons or entities as beneficiary of your IRA. ... FULL LEGAL NAME (OR NAME OF TRUST, ESTATE OR OTHER ENTITY)", "account_type": "Northern Funds IRA", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entities may be named at either level", "quote": "You may designate one or more persons or entities as beneficiary of your IRA. ... If you have designated both primary and contingent beneficiaries and no primary beneficiary survives you, the contingent beneficiaries will acquire the designated share of your IRA.", "account_type": "Northern Funds IRA", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no trust documents to the custodian", "quote": "No trust paperwork is required to be provided to the IRA trustee or custodian.", "account_type": "Northern Funds IRA", "page": "6", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "no", "detail": "the trustee, not the custodian, determines see-through status", "quote": "The trustee of the trust is responsible for determining whether the trust is a see-through trust, the trust beneficiary's options, and the minimum payment required for the year.", "account_type": "Northern Funds IRA", "page": "6", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox; worded \"by right of representation\", not \"per stirpes\"", "quote": "If a primary beneficiary is not living at your death, then the deceased beneficiary's share of the IRA shall go to the: ... then living descendants of the deceased beneficiary (by right of representation).", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://www.northerntrust.com/documents/white-papers/mutual-funds/individual/ira_designation.pdf", "form_number": "IRA FRM BEN", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "descendants of a predeceased named beneficiary may take as a class by checkbox", "quote": "then living descendants of the deceased beneficiary (by right of representation).", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://www.northerntrust.com/documents/white-papers/mutual-funds/individual/ira_designation.pdf", "form_number": "IRA FRM BEN", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "checkboxes for attached beneficiary instructions (8/24 form)", "quote": "I have attached additional primary beneficiary instructions. ... I have attached additional contingent beneficiary instructions.", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/ira-designation.pdf", "form_number": "", "revision_date": "2024-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named; also the default", "quote": "You may designate one or more persons or entities as beneficiary of your IRA. ... Entity (Estate, Charity, etc.)", "account_type": "Northern Funds IRA", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner's estate", "quote": "If you do not designate a beneficiary or if all of your primary and contingent beneficiaries predecease you, your estate will be the beneficiary.", "account_type": "Northern Funds IRA", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "at the custodian's option; default is the original beneficiary's estate; the designation form lists \"Beneficiary IRA\"", "quote": "We may allow, if permitted by state law, an original IRA beneficiary ... to name successor beneficiaries for the inherited IRA. ... If the original IRA beneficiary does not designate a successor beneficiary, his or her estate will be the successor beneficiary.", "account_type": "Northern Funds IRA", "page": "3", "source_url": "https://ntam.northerntrust.com/content/dam/northerntrust/investment-management/global/en/documents/account-resources/forms/individual-retirement-custodial-account-agreement.pdf", "form_number": "5305-A", "revision_date": "2017-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "owner elects, descendants by representation, surviving primaries pro rata, or contingent beneficiaries; same election for contingents", "quote": "then living descendants of the deceased beneficiary (by right of representation). ... remaining primary beneficiaries who are then living (on a pro rata basis). ... Your election for who receives the share of a deceased primary beneficiary also applies to the share of a deceased contingent beneficiary.", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://www.northerntrust.com/documents/white-papers/mutual-funds/individual/ira_designation.pdf", "form_number": "IRA FRM BEN", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; attach extra sheet, no limit stated", "quote": "If additional beneficiaries are desired, please attach a separate sheet with their information. ... If additional contingent beneficiaries are desired, please attach a separate sheet with their information.", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://www.northerntrust.com/documents/white-papers/mutual-funds/individual/ira_designation.pdf", "form_number": "IRA FRM BEN", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax", "quote": "Please mail your form to: Northern Funds, P.O. Box 75986, Chicago, IL 60675-5986 or fax your form to: 312-557-0411.", "account_type": "Northern Funds IRA", "page": "1", "source_url": "https://www.northerntrust.com/documents/white-papers/mutual-funds/individual/ira_designation.pdf", "form_number": "IRA FRM BEN", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tiaa", "institution": "TIAA (IRAs)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "TIAA Trust, N.A. Directed Roth IRA (brokerage IRA; trust agreement P0531)", "TIAA-CREF Funds Traditional and Roth IRA (UMB Bank, n.a. custodian)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (living or testamentary trust; not \"Will\")", "quote": "A beneficiary can be an individual, an institution, an organization, a trust, or your estate. ... We cannot accept a 'Will' as a designation, but you can designate a Testamentary Trust if we are provided with the 'Will' creation date", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "4. CHOOSING YOUR CONTINGENT BENEFICIARIES ... Date of Birth/Date of Trust/Issue Date of Will", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date of trust (or will date for testamentary trust), TIN", "quote": "Date of Birth/Date of Trust/ Issue Date of Will* (mm/dd/yyyy)", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "date of trust (or will date for a testamentary trust); no trustee name asked", "quote": "Date of Birth/Date of Trust/ Issue Date of Will* (mm/dd/yyyy)", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; TIAA will not review trust terms", "quote": "TIAA will not accept or be obliged to inquire into the terms of any trust affecting the annuity contract/certificate/account or its death benefit and shall not be charged with knowledge of terms thereof.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "12", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "testamentary trust named with the will's date", "quote": "TIAA can only accept a testamentary trust if you give us the create date of the will at the time of the designation. A designation of 'Will' is not acceptable.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "12", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no; offers \"Payments made to this deceased beneficiary's children\" (one generation)", "quote": "If you check 'Payments made to this deceased beneficiary's children' and the named beneficiary predeceases you, the monies which would have been paid to that beneficiary will be divided proportionately among his/her children (if any).", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "4", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "only the children of a named beneficiary, via the \"Payments made to this deceased beneficiary's children\" box (one generation, no LDPS)", "quote": "Beneficiaries can also be the children of the beneficiaries that you designate on this form.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"Will\" refused; designations only at contract/account level", "quote": "TIAA cannot accept a 'Will' as a designation. ... Plan-based designations are not acceptable.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "3", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, attach signed letter for a trust or \"additional instructions\"", "quote": "Check this box and attach a signed letter to list additional primary and/or contingent beneficiaries, a trust or to provide additional instructions.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "5", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "custodian may ask for clarification of an unclear designation", "quote": "If, in the opinion of the Custodian or Service Company, any designation of beneficiary is unclear or incomplete, in addition to any documents or assurances the Custodian may request under Section 8.10, the Custodian or Service Company shall be entitled to request and receive such clarification or additional instructions", "account_type": "TIAA-CREF Funds Traditional and Roth IRA (UMB Bank, n.a. custodian)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/ira_disclosure.pdf", "form_number": "P0606364", "revision_date": "2017-04", "wayback_capture": "2024-07-13", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodial account opened by a parent, guardian or conservator", "quote": "If the Beneficiary to which a distribution must be made is a minor, such distribution shall be made to a custodian account established by the parent, guardian or conservator of such Beneficiary, or other person as permitted, under the Uniform Transfers to Minors or the Uniform Gifts to Minors Act", "account_type": "TIAA Trust, N.A. Directed Roth IRA (brokerage IRA; trust agreement P0531)", "page": "8", "source_url": "https://www.tiaa.org/public/pdf/IRA_Directed_Trust_Agreement_Roth.pdf", "form_number": "P0531", "revision_date": "2023-05", "wayback_capture": "2025-07-10", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "A beneficiary can be an individual, an institution, an organization, a trust, or your estate.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate (per form)", "quote": "If none of the beneficiaries are living at the time of your death, we will pay your Estate", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary who transfers the inherited assets into his or her name designates own beneficiaries (beneficiary guide; overrides earlier \"not stated\")", "quote": "Complete the forms to accept your inheritance ... Designate your own beneficiaries for the account", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "4", "source_url": "https://www.tiaa.org/public/pdf/t/Taking-the-Next-Step.pdf", "form_number": "A30091", "revision_date": "2025-02", "wayback_capture": "2025-04-14", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "children-of-deceased-beneficiary option; otherwise pro rata lapse", "quote": "If a beneficiary predeceases you ... the proportion of the benefits that would have otherwise been apportioned to such deceased beneficiary shall instead be divided to the other beneficiaries who survive you", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "11", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "(from the consent text) yes, ERISA/plan spouse gets 50% to 100% unless waiver witnessed by notary or plan representative; online notarization accepted", "quote": "If you are married at the time of your death, your spouse is entitled to receive at least 50%, up to 100%, of your death benefits under a retirement or tax-deferred annuity plan covered by any of the following: ERISA, your plan's provisions, or state law. ... A Notary Public or Plan Representative must witness your spouse signing and dating his or her consent.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "custodian may follow a state law or decree that revokes the designation on divorce, if it knows the facts", "quote": "the Custodian may disregard the express terms of a Beneficiary designation under Section 8.11(a) and pay over the balance of the deceased Depositor's interest in his or her Custodial Account to a different person, trust, estate or other beneficiary, where the Custodian determines, in the reasonable and good faith exercise of its discretion, that an applicable state law, court decree or other ruling governing the disposition or appointment of property incident to a divorce", "account_type": "TIAA-CREF Funds Traditional and Roth IRA (UMB Bank, n.a. custodian)", "page": "9", "source_url": "https://www.tiaa.org/public/pdf/ira_disclosure.pdf", "form_number": "P0606364", "revision_date": "2017-04", "wayback_capture": "2024-07-13", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach a signed letter for more", "quote": "Check this box and attach a signed letter to list additional primary and/or contingent beneficiaries", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "5", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at TIAA.org; not by phone", "quote": "To update or change your beneficiary designation, please visit us online at TIAA.org/profile ... Once logged in, under the Action tab, choose Add/Edit beneficiaries. ... For your protection, we cannot change your beneficiary information over the phone.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "digital signature; spouse's consent may be notarized online (Notarize.com)", "quote": "or online using TIAA's digital signing experience. ... OPTION 1: Digitally sign and submit your form. If you received a digital form, complete the digital signature process.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "8", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; digital signature; upload (app or tiaa.org/upload); fax; mail; not by phone", "quote": "To update or change your beneficiary designation, please visit us online at TIAA.org/profile ... OPTION 2: Use the TIAA mobile app to quickly upload your completed document(s). ... Go to tiaa.org/upload, select Upload files ... If you prefer to fax or mail your completed documents, use the information provided below.", "account_type": "Traditional IRA (TIAA/CREF IRA annuity contracts covered by F11468; TIAA Trust N.A. brokerage IRAs use F11555, not retrieved)", "page": "1", "source_url": "https://www.bc.edu/content/dam/bc1/offices/human-resources/benefits/retirement/401(k)%20403(b)%20TIAA%20Beneficiary%20Designation%20Form.pdf", "form_number": "F11468", "revision_date": "2022-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "tradestation", "institution": "TradeStation Securities", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed with legal opinion", "quote": "If the beneficiary is a trust, please attach a legal opinion advising that your trust adheres to IRS Publication 590.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/IRA-Beneficiary-Change-Form.pdf", "form_number": "Beneficiary Change Form IRA Accounts (Equities)", "revision_date": "0824", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust creation date", "quote": "If you name a trust as beneficiary of your IRA, please include the date of trust creation.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "4", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust creation date; no trustee name asked", "quote": "If you name a trust as beneficiary of your IRA, please include the date of trust creation.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "4", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "legal opinion at designation (change form); copy of the trust with a death distribution request (IRA distribution form)", "quote": "If the beneficiary is a trust, please attach a legal opinion advising that your trust adheres to IRS Publication 590. ... If beneficiary is a Trust, a copy of the Trust is required.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/IRA-Beneficiary-Change-Form.pdf", "form_number": "Beneficiary Change Form IRA Accounts (Equities)", "revision_date": "0824", "wayback_capture": "", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "attorney's opinion that the trust meets the IRS Publication 590 (see-through) rules", "quote": "If the beneficiary is a trust, please attach a legal opinion advising that your trust adheres to IRS Publication 590.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/IRA-Beneficiary-Change-Form.pdf", "form_number": "Beneficiary Change Form IRA Accounts (Equities)", "revision_date": "0824", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; payment to a court-appointed guardian or legal representative", "quote": "If the Beneficiary designated to receive payments is a minor child or declared incapacitated or incompetent by the court, the Trustee may make such payment to a court appointed guardian or legally appointed representative.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "27", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate (Equity Trust Company trust agreement 1.0 D)", "quote": "If the designation of a Beneficiary has not been made by the Account Holder at the time of the Account Holder's death, the Beneficiary shall be the Spouse of the Account Holder, or if there is no Spouse living at the time of the Account Holder's death, the Beneficiary will be the estate of the Account Holder.", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "27", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes (trust agreement 1.0 G)", "quote": "Upon the death of the Account Holder, the Beneficiary may designate his or her own Beneficiary to receive any remaining assets in the account in the event the Beneficiary dies before a total distribution", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "27", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingent replaces a predeceased primary", "quote": "Contingent Beneficiary(ies): (Replaces Primary noted above if Primary predeceases the Contingent)", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/IRA-Beneficiary-Change-Form.pdf", "form_number": "Beneficiary Change Form IRA Accounts (Equities)", "revision_date": "0824", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes; a former spouse may be named again on a form signed after the divorce", "quote": "If your designated beneficiary is your spouse, (designated either by name or relationship or both), your divorce or annulment or other legal termination of your marriage will automatically revoke your beneficiary designation. ... An Account Holder may designate a former Spouse as a Beneficiary on a form executed following the date the Account Holder's marriage legally terminated", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "4", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "email; mail (beneficiary change form)", "quote": "Return this completed form by: ... EMAIL: ClientExperience@TradeStation.com or ... Mail: TradeStation Securities Inc, Attn: Account Services, 8050 SW 10th Street, Suite 2000 Plantation, FL 33324", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "1", "source_url": "https://cdn.tradestation.com/uploads/IRA-Beneficiary-Change-Form.pdf", "form_number": "Beneficiary Change Form IRA Accounts (Equities)", "revision_date": "0824", "wayback_capture": "", "retrieved": "2026-09-24" }, "disclaimer_procedure": { "value": "yes", "detail": "qualified disclaimer under IRC 2518(b), in a form acceptable to the trustee", "quote": "A designated Beneficiary may disclaim his or her interest in the account provided the disclaimer is in a form acceptable to the Trustee and complies with Code Section 2518(b).", "account_type": "Traditional, Roth and SEP IRA (Equity Trust Company as trustee)", "page": "27", "source_url": "https://cdn.tradestation.com/uploads/trst-ira-application.pdf", "form_number": "DT345", "revision_date": "2024-01", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ubs", "institution": "UBS Financial Services", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also Rollover, SEP, SIMPLE)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)", "Credit Suisse Funds Traditional, Rollover and Inherited IRA (legacy fund IRA hosted by UBS; affiliate)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may name your spouse, trust, estate, other individuals, charities or other institutions as beneficiaries.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary Name ... (for each primary beneficiary)", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "name and TIN only", "quote": "Name of Individual or Entity Social Security or Tax ID Number Relationship", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust agreement with the designation", "quote": "To name a trust as a beneficiary, attach a copy of the trust agreement to this form.", "account_type": "Credit Suisse Funds Traditional, Rollover and Inherited IRA (legacy fund IRA hosted by UBS; affiliate)", "page": "4", "source_url": "https://us-fund.ubs.com/doc/D26C54D5-CD94-480C-9A72-22DCA1D05703", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no", "quote": "If this primary beneficiary dies before you, indicate how you want this portion to be paid: To the other remaining primary beneficiaries named on this form (choose one): Proportionately Equally To this primary beneficiary's estate To the contingent beneficiary(ies) named below", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's descendants", "quote": "Per Stirpes - A beneficiary's share of the inheritance will go to his or her descendents if the beneficiary does not survive you.", "account_type": "Credit Suisse Funds Traditional, Rollover and Inherited IRA (legacy fund IRA hosted by UBS; affiliate)", "page": "4", "source_url": "https://us-fund.ubs.com/doc/D26C54D5-CD94-480C-9A72-22DCA1D05703", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "per capita is the default election", "quote": "Per Capita - Only surviving named beneficiaries receive shares of the inheritance.", "account_type": "Credit Suisse Funds Traditional, Rollover and Inherited IRA (legacy fund IRA hosted by UBS; affiliate)", "page": "4", "source_url": "https://us-fund.ubs.com/doc/D26C54D5-CD94-480C-9A72-22DCA1D05703", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be a beneficiary; the custodian may rely on a custodian holding funds for the minor (no UTMA election on the form)", "quote": "including the trustee of any trust designated as a Beneficiary or any custodian holding funds for the benefit of a minor Beneficiary", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "53", "source_url": "https://www.ubs.com/content/dam/static/wmamericas/agreementsanddisclosures.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-07-12", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "You may name your spouse, trust, estate", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "Pursuant to the Custodial Agreement, any interest in this IRA that is not effectively disposed of by the beneficiary designation I make in this Application or any subsequent beneficiary designation will be paid to my surviving spouse, and if no surviving spouse, to my estate.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "6", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; on a form accepted by the custodian; if none named, the beneficiary's surviving spouse, then the beneficiary's estate (custodial agreement)", "quote": "The Beneficiary designated by the Client, following the death of the Client, may name a person or persons entitled to receive any assets remaining in the IRA upon the death of the original Beneficiary (Successor Beneficiary).", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "53", "source_url": "https://www.ubs.com/content/dam/static/wmamericas/agreementsanddisclosures.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-07-12", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, per primary beneficiary, lapse to other primaries (proportionately or equally), to that beneficiary's estate, or to contingents named for that beneficiary", "quote": "If this primary beneficiary dies before you, indicate how you want this portion to be paid: To the other remaining primary beneficiaries named on this form (choose one): Proportionately Equally To this primary beneficiary's estate To the contingent beneficiary(ies) named below", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "yes, notarized spouse signature if in a community or marital property state and spouse is not primary for at least 50%", "quote": "If you are married and live in a community or marital property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI) and your spouse is not named as Primary Beneficiary of at least 50% of the IRA assets, your spouse must sign below.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes; the former spouse can be re-designated on a new form after the divorce is final or in the divorce proceedings (custodial agreement)", "quote": "If the Client designates the Client's spouse as Beneficiary, the Client's subsequent divorce or legal termination of the marriage will automatically revoke the designation.", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "53", "source_url": "https://www.ubs.com/content/dam/static/wmamericas/agreementsanddisclosures.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-07-12", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "extra signed pages allowed", "quote": "To name additional beneficiaries, attach additional copies of this page, put your signature and date on the bottom of each additional page", "account_type": "Traditional IRA (also Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://onlineservices.ubs.com/staticfiles/pws/images/ira_application_and_adoption_agreement.pdf", "form_number": "AC-IRA", "revision_date": "2007-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "paper form to the custodian (application mailed to Credit Suisse, Kansas City)", "quote": "You may revoke or change the beneficiary designation at any time by completing a new Change of Beneficiary Form and providing it to the custodian.", "account_type": "Credit Suisse Funds Traditional, Rollover and Inherited IRA (legacy fund IRA hosted by UBS; affiliate)", "page": "4", "source_url": "https://us-fund.ubs.com/doc/D26C54D5-CD94-480C-9A72-22DCA1D05703", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-usaa-federal-savings-bank", "institution": "USAA Federal Savings Bank", "segment": "bank", "account_group": "ira", "account_types": [ "USAA bank IRA (Traditional, Roth, Inherited)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust allowed with pages and a memorandum", "quote": "Note: If a trust is being named as beneficiary, attach the trust document's first page and the trust document's signature page.", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary beneficiary lines; the trust instructions apply to any beneficiary", "quote": "If none of the primary beneficiaries survives me, pay benefits to the following or to the survivors thereof ... If a trust is being named as beneficiary, attach the trust document's first page and the trust document's", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "first and signature pages plus USAA Memorandum of Trust, at designation", "quote": "If a trust is being named as beneficiary, attach the trust document's first page and the trust document's signature page. You will also need to attach a completed USAA Memorandum of Trust form.", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole percentages only", "quote": "% (must be whole number)", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "per custodial agreement", "quote": "If no beneficiary is selected, the assets in the account will be paid according to the Custodial Agreement in effect at the time of death.", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "form covers Inherited IRAs", "quote": "Select all that apply: o Roth o Traditional o Inherited", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving beneficiaries", "quote": "In the event of my death, pay benefits to the following or to the survivors thereof", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "1", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "upload (USAA mobile app or usaa.com inbox); mail; fax", "quote": "Choose one of the following methods to return the completed form ... Mail: USAA Federal Savings Bank ... Fax: 800-531-5717", "account_type": "USAA bank IRA (Traditional, Roth, Inherited)", "page": "4", "source_url": "https://content.usaa.com/mcontent/static_assets/Media/bk_ira_beneficiary_desig.pdf", "form_number": "08308-0824", "revision_date": "08/24", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "vanguard", "institution": "Vanguard", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, living trust or testamentary trust", "quote": "Trusts ... To a trust you've already created ... Name of trust ... Date of trust ... To a trust that will be created under your last will ... Name of trust or section of will", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "6", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Backup beneficiaries ... Trusts ... To a trust you've already created ... To a trust that will be created under your last will", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "2", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and date only; trustee names not needed", "quote": "Note: You don't need to provide trustee names at this time. The trustee(s) will be identified at the time of your death.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date (or will section for a testamentary trust); trustee names not needed", "quote": "Name of trust Date of trust mm dd yyyy ... Note: You don't need to provide trustee names at", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "4", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "no; trustee's representations relied on at death", "quote": "VFTC shall have no independent duty to obtain or verify such information but may instead rely upon the representations of an authorized party such as the executor or administrator of my estate or, if a trust beneficiary, the trustee of that trust (my fiduciary).", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "9", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "only as a class gift to the owner's own descendants (\"Children (Descendants, per stirpes)\"); no per stirpes box for a named beneficiary", "quote": "Children (Descendants, per stirpes) Your assets will be divided equally among all your children. If any of your children pass before you, their share will be divided equally among their children (also known as per stirpes). This designation excludes stepchildren and step-grandchildren.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "6", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "generational (per capita at each generation) definition in custodial agreement; form excludes step-descendants", "quote": "1.14 Per Stirpes means a way of dividing the Account as follows: The Account shall be divided into as many equal shares as there are surviving descendants in the generation nearest to the decedent that contains at least one surviving descendant and deceased descendants in the same generation who left surviving descendants", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "23", "source_url": "https://personal1.vanguard.com/pdf/s831.pdf", "form_number": "", "revision_date": "2024-05-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class options for the owner's own children (descendants per stirpes) or grandchildren; spouse by relationship (\"the person I'm married to at the time of my death\"); step-descendants excluded", "quote": "Children (Descendants, per stirpes) ... Your assets will be divided equally among all your children. If any of your children pass ... Grandchildren only", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "6", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "agreement allows other designations \"deemed acceptable by the Custodian\"; form offers no attachment for custom language", "quote": "You may also select other beneficiary designations deemed acceptable by the Custodian.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "20", "source_url": "https://personal1.vanguard.com/pdf/s831.pdf", "form_number": "", "revision_date": "2024-05-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes (individual by name); custodian may open an inherited account for the minor", "quote": "If upon the death of the Investor, a Beneficiary known to the Custodian to be a minor is entitled to receive any undistributed assets of the Account, the Custodian may, in its absolute discretion, transfer assets to an inherited Account for the benefit of the minor Beneficiary.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "29", "source_url": "https://personal1.vanguard.com/pdf/s831.pdf", "form_number": "", "revision_date": "2024-05-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "My estate ... Assets will be transferred to your estate at the time of your death", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "7", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, else estate", "quote": "If no Beneficiary designation is in effect, or if there are no surviving Beneficiaries, at the time of the Investor's death, the Beneficiary shall be the Investor's surviving spouse, if any. If the Investor has no surviving spouse, the Investor's Beneficiary shall be the Investor's estate.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "29", "source_url": "https://personal1.vanguard.com/pdf/s831.pdf", "form_number": "", "revision_date": "2024-05-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes for individual beneficiaries; no for estates, trusts, charities", "quote": "Estates, trusts, or charities that inherit IRAs can't designate beneficiaries.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "5", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "yes, \"Grandchildren only\" class; spouse by relationship (\"the person I'm married to at the time of my death\")", "quote": "Grandchildren only This option will skip your children, and your assets will be passed in equal portions directly to all your grandchildren (step-grandchildren are not included). ... To the person I'm married to at the time of my death", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "3", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "no", "detail": "community property, warning only, no consent signature", "quote": "Important note about community property rights. If you lived in a community property state while you were married, your spouse at that time may have certain rights to your retirement account. ... Vanguard won't assume responsibility for determining whether your IRA is subject to community property laws.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "3", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes a spouse designation (by name or relationship) on divorce or annulment unless the owner indicated otherwise; final only when documentary proof is given after death (the kit says the named ex-spouse may receive the assets unless Vanguard gets proof of the divorce)", "quote": "Unless the Investor has indicated otherwise on the ... Beneficiary designation, any designation of a Spouse ... by name or by relationship shall be deemed revoked ... by the divorce of the Investor and such Beneficiary; ... shall mean a final decree of divorce, annulment, or", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "29", "source_url": "https://personal1.vanguard.com/pdf/s831.pdf", "form_number": "", "revision_date": "2024-05-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 named-individual lines per class; copy the page; minimum 1% per beneficiary", "quote": "If you need more space to list additional beneficiary designations, copy this page.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "6", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes (login)", "quote": "To change your beneficiaries online Log on to your account at vanguard.com. From the My Accounts dropdown, select Profile & account settings. Then select Beneficiaries and follow the instructions.", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "1", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or overnight, El Paso); online", "quote": "To designate your beneficiaries by mail ... To change your beneficiaries online ... Mail your completed form and any attached information to:", "account_type": "Traditional IRA (incl. Rollover, SEP, SIMPLE)", "page": "1", "source_url": "https://personal1.vanguard.com/forms/s345.pdf", "form_number": "R350", "revision_date": "Effective June 2026 (R350 062026)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wealthfront", "institution": "Wealthfront", "segment": "brokerage", "account_group": "ira", "account_types": [ "IRA and investment account beneficiaries" ], "florida": false, "fields": { "successor_beneficiary": { "value": "no", "detail": "no inherited IRAs; beneficiaries transfer out", "quote": "Wealthfront doesn't support Inherited or Beneficiary IRA accounts, or Estate accounts.", "account_type": "IRA and investment account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/30257265144724-What-to-do-when-someone-passes-away", "form_number": "", "revision_date": "2026-09-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "residents of the nine community property states listed; recommended for others", "quote": "you need your spouse's consent to designate any primary beneficiary other than your spouse. This need arises from state property law.", "account_type": "IRA and investment account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/218367843-Do-I-need-my-spouse-s-consent-to-designate-a-primary-beneficiary-other-than-my-spouse", "form_number": "", "revision_date": "2026-08-28", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs before a witness (no notary); uploaded; one form per account and designation", "quote": "have your spouse complete the Spousal Consent Form in the presence of a witness, and then upload the completed form on the Taxes & Documents page. ... Note that a spousal consent form only applies to a specific beneficiary designation for a single Wealthfront account.", "account_type": "IRA and investment account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/218367843-Do-I-need-my-spouse-s-consent-to-designate-a-primary-beneficiary-other-than-my-spouse", "form_number": "", "revision_date": "2026-08-28", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "app or website", "quote": "You can update your beneficiary information anytime in the mobile app or on our website.", "account_type": "IRA and investment account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/213576786-How-do-I-add-or-change-a-beneficiary-to-my-Wealthfront-accounts", "form_number": "", "revision_date": "2026-09-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (app or website); spousal consent form uploaded", "quote": "You can update your beneficiary information anytime in the mobile app or on our website. ... upload the completed form on the Taxes & Documents page", "account_type": "IRA and investment account beneficiaries", "page": "web page", "source_url": "https://support.wealthfront.com/hc/en-us/articles/213576786-How-do-I-add-or-change-a-beneficiary-to-my-Wealthfront-accounts", "form_number": "", "revision_date": "2026-09-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "webull", "institution": "Webull Financial", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional and Roth IRA" ], "florida": false, "fields": { "trust_primary": { "value": "no", "detail": "only adult individuals with a U.S. address and TIN; the page describes naming \"one or more individuals\" and does not provide for trusts", "quote": "Beneficiaries must be legal adults (18 or older) with a valid U.S. address and a Tax Identification Number (TIN).", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "no", "detail": "same rule for contingent beneficiaries", "quote": "Beneficiaries must be legal adults (18 or older) with a valid U.S. address and a Tax Identification Number (TIN).", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "no", "detail": "minors cannot be named", "quote": "Beneficiaries must be legal adults (18 or older)", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "no", "detail": "only adult individuals; the estate takes only by default", "quote": "A Transfer on Death (TOD) beneficiary designation allows you to name one or more individuals ... Beneficiaries must be legal adults (18 or older)", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, else estate", "quote": "If no beneficiary designations were provided, the surviving spouse will be considered the beneficiary. If there is no surviving spouse, the estate will be designated as the beneficiary.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/478-How-do-I-designate-or-modify-the-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "yes", "detail": "6 primary and 6 contingent", "quote": "You can designate up to six primary beneficiaries and six contingent beneficiaries.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "app (Settings, Account Management, Beneficiary Information) or website (My Account, Manage My Account)", "quote": "To add or modify your beneficiary designations, please navigate through the following steps: ... Tap Beneficiary Information", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (app or website); no paper form mentioned", "quote": "To add or modify your beneficiary designations, please navigate through the following steps: ... Select View Details next to Beneficiary Information.", "account_type": "Traditional and Roth IRA", "page": "web page", "source_url": "https://www.webull.com/help/faq/10977-Adding-beneficiaries-and-trusted-contacts", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "wellsfargo", "institution": "Wells Fargo Advisors (Wells Fargo Clearing Services, custodian; incl. WellsTrade and Intuitive Investor)", "segment": "brokerage", "account_group": "ira", "account_types": [ "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "Roth IRA", "Inherited IRA (beneficiary naming successor beneficiaries)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Type (Select one) Spouse Non-Spouse Non-Spouse - Minor Trust Other Entity", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "2", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Contingent Beneficiary ... Trust", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "1", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date required (except testamentary trust); name; TIN recommended; no trustee", "quote": "Trust Date is required if a trust is designated as beneficiary (unless the trust is a testamentary trust).", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "2", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date (not for a testamentary trust); no trustee name asked", "quote": "Trust Date is required if a trust is designated as beneficiary (unless the trust is a testamentary trust).", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "2", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, checkbox per beneficiary; requires naming an Authorized Party", "quote": "If you select Per Stirpes in this form, the selected beneficiary's share of the IRA will not lapse and instead will go to their lineal descendants (generally children). If you select Per Stirpes, you must name an authorized party (or an individual acting in a fiduciary capacity) to identify, verify, or locate living descendants", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "1", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "lineal descendants take the share; contingents take only if all primaries and their descendants are gone", "quote": "When selecting Per Stirpes, contingent beneficiaries will only inherit their portion of the IRA when all the primary beneficiary(ies) and their lineal descendants predecease you.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "1", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "yes, on a separate signed document, but WFCS will not review or interpret it; an Authorized Party must interpret", "quote": "Non-Standard Beneficiary Designation on Separate Signed Document If your beneficiary designation needs cannot be accomplished through this Application, you will need to select an authorized party (or an individual acting in a fiduciary capacity) to identify, verify, and/or interpret any such separately signed and dated beneficiary designation ... Wells Fargo Clearing Services is not responsible for reviewing, interpreting or verifying any beneficiary designation, this responsibility remains with the authorized party.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "2", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "yes (\"Non-Spouse - Minor\"), with UTMA custodian", "quote": "If any of your designated beneficiaries are minors, you must designate a responsible individual called a Custodian under the Uniform Transfer to Minors Act (UTMA)/Uniform Gifts to Minors Act (UGMA)", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "1", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes as \"Other Entity\"; estate is third default", "quote": "the third default beneficiary will be your estate", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/544408.pdf", "form_number": "990-T", "revision_date": "2026-05-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then surviving children (as certified by Authorized Party or court order), then estate", "quote": "The WFCS default beneficiaries are first your spouse. If you are not survived by a spouse, the second default beneficiaries will be your surviving children as determined under state law. ... If you are not survived by a spouse or by any of your children, as certified by your authorized party or by a court order, the third default beneficiary will be your estate.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/544408.pdf", "form_number": "990-T", "revision_date": "2026-05-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes, same form lists Inherited Traditional/Roth", "quote": "Your beneficiaries may further designate beneficiaries of their portion of your IRA after your death (subject to any restriction under state law), by contacting us and providing us with the necessary forms.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/544408.pdf", "form_number": "990-T", "revision_date": "2026-05-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "no (lapse and pro rata increase is the default)", "quote": "If a designated beneficiary (including any contingent beneficiary) does not survive you, such beneficiary's interest shall lapse, and the percentage interest of any remaining beneficiary ... shall be increased on a pro rata basis unless your beneficiary designation allows otherwise.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "owner's responsibility; no consent section; covers community property, marital property and elective share states", "quote": "If you are married, reside in a community property/martial property jurisdiction or elective share state, and wish to designate a primary beneficiary who is not your spouse, you may be required by applicable law to obtain your spouse's consent to such designation. We shall in no case be responsible for determining if your account is subject to community/martial property or elective share laws.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, former spouse treated as predeceased unless re-designated after the divorce or a court order says otherwise; custodian held harmless if paid before notice of the divorce", "quote": "If you are divorced at the time of your death and your former spouse is named as beneficiary of your Traditional IRA, your former spouse will be treated as having predeceased you, unless you designated your former spouse as your beneficiary AFTER the date of the divorce or unless a court order provides otherwise.", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "7", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/544408.pdf", "form_number": "990-T", "revision_date": "2026-05-21", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "form contemplates electronic signatures; paper-signed forms by mail or via the Financial Advisor", "quote": "For Wells Fargo Advisors Clients: For non-electronic signatures, contact your Financial Advisor for instructions ... Submit your Completed Form via Secure Email, or Mail (for Non-Electronic Signatures)", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "8", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "secure email upload (Message Center); mail; through the Financial Advisor", "quote": "Submit your Completed Form via Secure Email, or Mail (for Non-Electronic Signatures) ... Select wellsfargo.com/senddocument to access the Message Center. ... Mail: Wells Fargo Advisors, Attention: MAC N9160-01P", "account_type": "Traditional IRA (also SEP/SAR-SEP, SIMPLE)", "page": "8", "source_url": "https://www.wellsfargoadvisors.com/bw/wellstrade/forms/578639.pdf", "form_number": "578639", "revision_date": "Rev 24 - 06/26", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "bank-wells-fargo-bank", "institution": "Wells Fargo Bank, National Association", "segment": "bank", "account_group": "ira", "account_types": [ "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "Wells Fargo Bank, N.A. Roth IRA (bank custodial IRA)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entities including trusts; see-through trust rule described", "quote": "The Depositor shall designate in writing the person or persons (or entity or entities) to receive any distribution ... If you name a trust that meets certain requirements, the beneficiaries of the trust will be treated as the beneficiaries", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "16", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to parent, guardian, other legal representative or under UTMA/UGMA at the custodian's discretion", "quote": "If a distribution upon the death of the Depositor is payable to a person known by the Custodian to be a minor ... we may make all or any part of such payment under a Uniform Transfers or Gifts to Minors Act", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "29", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "If you name a beneficiary that is not an individual (such as an estate or non-qualifying trust)", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "16", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then children (certified by a legal or personal representative or court order), then estate", "quote": "In the event no designation is filed at the time of the Depositor's death, there is no surviving Beneficiary ... the Beneficiary shall be the Depositor's surviving spouse ... the Beneficiary shall be the Depositor's children as determined under state law ... if the Depositor is not survived by children as determined under state law, the Custodial Account shall be paid to the Depositor's estate", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "30", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "yes; without one, beneficiary's spouse, children, estate", "quote": "Your beneficiaries may further designate beneficiaries of their portion of your IRA after your death (subject to any restriction under state law), by contacting us and we will provide the necessary forms.", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "17", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "lapsed share to remaining beneficiaries pro rata unless the designation says otherwise", "quote": "If a designated beneficiary (including any contingent beneficiary) does not survive the Depositor, such beneficiary's interest shall lapse, and the percentage interest of any remaining beneficiary (including any contingent beneficiary) shall be increased on a pro rata basis", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "30", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "marital or community property laws; owner's responsibility; custodian may pay the spouse's property share", "quote": "It is the Depositor's responsibility to determine whether such laws apply and to request the Depositor's spouse to consent to the Depositor's beneficiary designation if appropriate.", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "30", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "written consent; no notary or witness stated", "quote": "unless the Depositor's spouse has properly consented in writing otherwise", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "30", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes (ex-spouse treated as predeceased) unless named again after the divorce or a court order requires otherwise", "quote": "If a Depositor designates his spouse as Beneficiary and there is a subsequent divorce, the ex-spouse will be treated like any beneficiary that predeceases the Depositor; this change may be overruled by court order", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "30", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "written form filed with the custodian (IRA Operations mailing address on the agreement)", "quote": "Each such designation shall be filed with the Custodian on a form acceptable to the Custodian ... You may change your beneficiary designation at any time by contacting us and submitting a beneficiary change form before your death.", "account_type": "Wells Fargo Bank, N.A. Traditional IRA (bank custodial IRA, incl. savings and time deposit IRAs)", "page": "15", "source_url": "https://www.wellsfargo.com/fetch-pdf?formNumber=PCS8009&subProductCode=WTD", "form_number": "N9777-120", "revision_date": "2024-12-13", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-allianz-life", "institution": "Allianz Life Insurance Company of North America", "segment": "insurer", "account_group": "life", "account_types": [ "Life insurance policies (form SFAL0012)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust as primary or contingent; an owner other than the insured may also be named", "quote": "For life insurance policies, an individual owner/joint owner, other than the insured, can be listed as the beneficiary below. ... Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "same line, contingent box", "quote": "Select one: Primary Contingent ... Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, TIN", "quote": "Non-individual beneficiary name (e.g. trust, estate, charity) ... Date of birth/trust date Social Security Number or TIN", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date asked; no trustee name or \"as trustee\" wording required", "quote": "Date of birth/trust date Social Security Number or TIN", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate as named beneficiary", "quote": "Non-individual beneficiary name (e.g. trust, estate, charity)", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "only for designations without percentages, equal shares to surviving beneficiaries", "quote": "If you do not indicate the allocation percentage you would like each beneficiary to receive, the death benefit will be divided equally among surviving beneficiaries.", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines; extra beneficiaries on a signed and dated separate sheet", "quote": "If you have more than 4 beneficiaries, list them on a separate sheet signed and dated by you.", "account_type": "Life insurance policies (form SFAL0012)", "page": "1", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online account", "quote": "You can also request changes online by logging in at www.allianzlife.com ... Beneficiary changes can be made online. Log in and go to \"Personal Accounts.\"", "account_type": "Life insurance policies (form SFAL0012)", "page": "web page", "source_url": "https://www.allianzlife.com/customer-service-frequently-asked-questions", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; email; upload; mail; fax (separate addresses and fax numbers for variable annuities)", "quote": "Email completed forms to the appropriate product area ... You can scan and upload your signed and completed form by logging in to your account at allianzlife.com ... Fax: 763.582.6002 for Fixed Annuities and Life Insurance", "account_type": "Life insurance policies (form SFAL0012)", "page": "4", "source_url": "https://www.allianzlife.com/-/media/Files/Global/documents/2021/07/20/13/21/SFAL0012.pdf", "form_number": "SFAL0012", "revision_date": "2021-06", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ameriprise", "institution": "Ameriprise Financial (Ameriprise Trust Company, custodian)", "segment": "brokerage", "account_group": "life", "account_types": [ "Life insurance (RiverSource Life policies; forms 33032, NY 38120)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "option E \"Other\"", "quote": "E. Other (Person, Trust, Organization, etc) ... Beneficiary Name Provide full name of Person, Trust, or Organization designated as beneficiary.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary beneficiaries under option E", "quote": "Primary or Secondary Status (Select one) ... Primary Secondary", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3214.pdf", "form_number": "3214", "revision_date": "2023-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date and TIN (Part 3 supplemental information)", "quote": "Trust Date If Trust named (MMDDYYYY) ... Date of Birth/Trust Date (MM/DD/YYYY) Social Security/Tax ID Number", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date required; testamentary trust needs will article and paragraph", "quote": "Trust Date If Trust named (MMDDYYYY)", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation (FAQ); trust document at claim", "quote": "The trust document itself is not required when you are naming a trust as your beneficiary. The Trust document will be requested at claim time.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "preset family options B and D only", "quote": "B. Spouse, if Living, if not, Children Per Stirpes. ... D. Living Lawful Children with Right of Survivorship Per Stirpes.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "1", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased child's share to that child's children", "quote": "if a child of the owner has died before the owner, the share which the child would have received if he or she survived the owner will be paid to his or her children legally born to, or legally adopted by that deceased child, per stirpes.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "preset classes of the owner's lawful children; stepchildren and foster children must be named under option E", "quote": "C. Living Lawful Children, Equally With Rights of Survivorship. Beneficiary is: The living lawful children of the owner and they will receive equal shares of the proceeds", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "option F free text or signed attachment", "quote": "F. Other Text. Use this option only when none of the above options apply or you are unsure of which option to select. ... If an attachment is required to complete the beneficiary designation, make sure the attachment contains the account number, signature date and all appropriate signatures.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "corporate office approval", "quote": "All beneficiary designations are subject to the approval of the corporate office.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_3993.pdf", "form_number": "DOC01033993", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian and successor custodian named on the form", "quote": "I hereby request that the proceeds be paid to the custodians listed below under the State ... UTMA (not available in VT or SC). ... Successor Custodian Name", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equal shares with survivorship (survivors take a predeceased beneficiary's share)", "quote": "Unless specifically noted on this form, all designations will be considered to be equally and with rights of survivorship.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "2", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states if spouse is not sole primary (the 403(b) rule applies to annuities)", "quote": "Consent of spouse must be signed if the following conditions are present: (a) Community property state: You live in a community property state", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "ERISA 403(b), plan sponsor/administrator or notary witnesses the spouse's signature", "quote": "The spouse's signature must be witnessed by either the Plan Sponsor/Administrator or a Notary Public.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "5", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "5 lines under option E; attach separate pages", "quote": "If more space is needed, please attach a separate page.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "4", "source_url": "https://www.ameriprise.com/binaries/content/assets/ampcom/wcm/AMP_33032.PDF", "form_number": "3110", "revision_date": "2018-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online (FAQ covers life and annuities)", "quote": "There are three ways to update your beneficiary designation. Naming or changing a beneficiary can be completed: Online in the secure site on ameriprise.com", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; financial advisor; paper form 33032 (NY 38120)", "quote": "Online in the secure site on ameriprise.com ... Contact your financial advisor to fill out a new form that can be sent to you for signature ... Change of Beneficiary - Life and Annuities", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "five business days for forms (FAQ)", "quote": "When you submit a form, your beneficiary designation will be reviewed and acknowledged within five business days.", "account_type": "Life insurance (RiverSource Life policies; forms 33032, NY 38120)", "page": "web page", "source_url": "https://www.ameriprise.com/customer-service/beneficiary-designation-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-athene", "institution": "Athene Annuity and Life Company", "segment": "insurer", "account_group": "life", "account_types": [ "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "affiliate form V1220 (R06192020), a trust may be named with the Trust Verification Form", "quote": "If the beneficiary is changing to a trust, please submit a copy of the Trust Verification Form.", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "the insurer's Trust Verification Form, not the instrument", "quote": "If the beneficiary is changing to a trust, please submit a copy of the Trust Verification Form.", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class of the Insured's children may be named (surviving, after-born and adopted children)", "quote": "Any designation as a class of the children of the Insured shall be construed to mean such lawful (including those living, born later or legally adopted) children of the Insured as shall survive the Insured", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased primary's share goes to the surviving primaries equally; contingents only if no primary survives", "quote": "unless otherwise directed, proceeds will be paid in equal shares to any surviving primary beneficiaries, if none survives, proceeds will be paid in equal shares to any surviving contingent beneficiaries.", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "Signature of Existing Owner's Spouse ... (Required if resident of Community Property State)", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "1", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 2 contingent lines; signed attachments allowed", "quote": "Check here if additional designations are attached separately. NOTE: Each page must be signed and dated.", "account_type": "Legacy life policies of Athene Annuity & Life Assurance Company (affiliate; form V1220)", "page": "2", "source_url": "https://files.ipipeline.com/AALAC/V1220.pdf", "form_number": "V1220", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-brighthouse", "institution": "Brighthouse Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Brighthouse individual life insurance (universal and variable universal life) beneficiary change" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "testamentary trust in the insured's will or a living trust (Option A or B), primary or contingent", "quote": "Option A - Testamentary Trust in the Insured's Will ... Option B - Living (InterVivos) Trust", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "5", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "testamentary or living trust may be primary or contingent", "quote": "I choose the Trust created in the Insured's will as my: Primary Beneficiary Contingent Beneficiary", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "5", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date, state of creation, address, trust tax ID, contact trustee name, SSN and date of birth; additional trustees optional", "quote": "Name of Trust Date of Trust (mm/dd/yyyy) State where Trust was created ... Trust Tax ID ... Contact Trustee - First Name", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "5", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date plus a contact trustee's name (no \"as trustee\" wording prescribed)", "quote": "Name of Trust Date of Trust (mm/dd/yyyy) State where Trust was created ... Contact Trustee - First Name", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "5", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at claim the insurer may require evidence the trust is in effect and of the trustees' identity", "quote": "Before making payment to any Trust, the Company reserves the right to require satisfactory written evidence that the Trust is in effect and evidence of the identity of the Trustee(s) who are qualified to act on behalf of the Trust.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "7", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a \"Per Stirpes\" box on each individual beneficiary line", "quote": "Social Security Number Per Stirpes Percent (%) of Proceeds", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "3", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "defined for a child of the insured, a predeceased child's share goes to that child's living children equally", "quote": "Payment to the Issue of a Deceased Child (per stirpes): If a child of the Insured is a Beneficiary and that child dies before the Insured, that child's share of the proceeds will be paid to that child's living children in equal shares.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "4", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a box adds all future children of the insured as a class (equal shares); the insurer identifies class members by affidavit; living children must still be listed", "quote": "You have the option to include all future children (born or adopted by the Insured) as Primary Beneficiaries or as Contingent Beneficiaries ... The Company may rely on an affidavit from the Owner or any other adult in determining family relationships and in identify", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "1", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named; optional UTMA/UGMA custodian per minor (one custodian per minor)", "quote": "Under the Uniform Transfers or Uniform Gifts to Minor Act (UTMA/UGMA), if you choose, you may assign a Custodian for each minor you designated as a Beneficiary.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "4", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "insured's estate as primary or contingent; if primary, no contingent may be named", "quote": "Option D - Insured's Estate ... You may select the Insured's Estate as either a Primary or Contingent Beneficiary.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "6", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner if living, otherwise the owner's estate", "quote": "If the Insured dies without a surviving Beneficiary, payment will be made to the Owner, if living, otherwise payment will be made to the Owner's Estate.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "1", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "a predeceased child's share to that child's children; 30-day survivorship; lapse for other beneficiaries not stated", "quote": "that child's share of the proceeds will be paid to that child's living children in equal shares ... If any Beneficiary dies within 30 days after the Insured's death, the Beneficiary will be considered to have predeceased (died before) the Insured", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "4", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 individual beneficiary lines; attach a signed and dated separate page for more", "quote": "To name additional Beneficiaries or Trusts, attach a separate page.", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "1", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (separate PO boxes for universal and variable universal life); fax; email", "quote": "Mail, Fax, and Email Information ... Email: bhfrequests@brighthousefinancial.com", "account_type": "Brighthouse individual life insurance (universal and variable universal life) beneficiary change", "page": "1", "source_url": "https://forms.brighthousefinancial.com/product-forms/life/BENECHANGE-B-DXC-P2%20(12-24).pdf", "form_number": "", "revision_date": "2024-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-corebridge", "institution": "Corebridge Financial (American General Life Insurance Company; formerly AIG Life and Retirement)", "segment": "insurer", "account_group": "life", "account_types": [ "Life insurance (American General Life; claim requirements page and online portal)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a trust may be beneficiary (claim requirements); primary or contingent not distinguished", "quote": "If the beneficiary is a trust ... The Claimant's Statement must be completed by the trustee(s).", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim only, trustee certification and trust TIN, no copy of the trust; pages proving sole-trustee authority if one trustee acts alone", "quote": "The Certification of Trustee section on the Claimant's Statement must be completed and the trust's Tax Identification Number (TIN) must be provided. A copy of the trust is not required. ... unless the trust document confers on one trustee the authority to act alone. In that case, please provide the trust pages that prove that authority.", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "over the state UTMA limit, court-appointed guardian with letters of guardianship; under it, custodian with an Affidavit Concerning Custody of a Minor", "quote": "If the amount due to the beneficiary is more than the allowable amount for that minor's state of residence under the Uniform Transfers to Minors Act, the Claimant's Statement must be signed by the guardian legally appointed to the minor by the state. ... the Claimant's Statement must be signed by the Custodian of the minor.", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate beneficiary, letters testamentary or administration, or small estate / heirship affidavit", "quote": "If the beneficiary is an estate ... The Claimant's Statement must be completed by an administrator or executor of the estate.", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online through the Life consumer portal", "quote": "Life consumer portal can help you look up policy details, make payments, update beneficiaries and more.", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (portal); no life form saved", "quote": "Life consumer portal can help you look up policy details, make payments, update beneficiaries and more.", "account_type": "Life insurance (American General Life; claim requirements page and online portal)", "page": "web page", "source_url": "https://www.corebridgefinancial.com/support/common-beneficiary-situations", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-equitable", "institution": "Equitable Financial Life Insurance Company (formerly AXA Equitable)", "segment": "insurer", "account_group": "life", "account_types": [ "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "Equitable group life and AD&D (employer group insurance; Group Insurance Beneficiary Designation/Change E15761)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "living trust or testamentary trust may be named", "quote": "If the proposed Beneficiary is a Trust, the full name and date of the Trust Agreement or the number of the Trust must be furnished. ... JAMES ROE Trust Agreement dated February 1, 1981; NANCY ROE and MARGARET ROE, Trustees.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "each contingent line has a type box including Trust (current form)", "quote": "Designation of New Contingent Beneficiary(ies) ... Type: Individual/Trust/Corporation/Other (list)", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust agreement date, trustee name and address, TIN (current form; E6258 asked name and date or trust number)", "quote": "If the proposed Beneficiary is a Trust, the date of the Trust Agreement, name and address of Trustee, and Tax Identification Number (Social Security Number, Individual Taxpayer Identification Number, Employer ID Number) must be indicated.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name required", "quote": "the date of the Trust Agreement, name and address of Trustee, and Tax Identification Number ... JAMES ROE Trust Agreement dated February 1, 1981; NANCY ROE and MARGARET ROE, Trustees.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for a living trust and for a testamentary trust (with or without the will's date); no sub-trust format", "quote": "JAMES ROE Trust created in the instrument admitted to probate as the Last Will and Testament of the Insured; MARGARET ROE, Trustee.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes in a sample written designation", "quote": "in equal shares to the Insured's children who are then living and to the then living children of any deceased child of the Insured, per stirpes", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only, a predeceased beneficiary's share to his or her surviving children, else to the other surviving per stirpes beneficiaries", "quote": "If any part of the beneficiary change request includes a per stirpes designation, we will pay any benefits under this part equally to the beneficiaries in this designation. However, if any of these beneficiaries dies before the Insured, the deceased beneficiary's share will be paid equally to his or her surviving children. If there are no surviving children, this share will be paid equally to the other surviving beneficiaries to the per stirpes designation.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "3", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class (e.g. the Insured's children) may be named, but the current members of the class must be listed by name", "quote": "The full name of each beneficiary, or if a class of beneficiaries is named, the name of each current beneficiary in the class ... In equal shares to the Insured's children who are living at the death of the Insured.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "narrative designations written in the special instructions area, following the sample wording; no review process stated", "quote": "special instructions: ... See page 2 for instructions and sample designations.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "1", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "sample designation", "quote": "Insured's executors or administrators (Insured's Estate).", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "2", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "Insured's surviving children equally, else the estate; EFLOA policies issued before September 8, 2006, the Insured's executors or administrators", "quote": "if no stated Beneficiary is living when the Insured dies, we will pay the benefits to the children of the Insured who then survive, in equal shares, or if none survive, to the estate of the Insured. ... If no stated beneficiary is living upon the Insured's death, EFLOA will pay the benefits to the executors or administrators of the Insured.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "5", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "a predeceased beneficiary's share goes to the survivors equally (per stirpes designations, to the deceased beneficiary's children); with a Deferment (Common Disaster) Period, beneficiaries must survive the stated days", "quote": "Unless otherwise requested (a) if two or more persons are named as beneficiaries, those surviving the Insured will share equally", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "3", "source_url": "http://www.equitable.com:80/pdf/life_beneficiary.pdf", "form_number": "E6258", "revision_date": "", "wayback_capture": "2006-11-10", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "only for contracts held in qualified corporate, Keogh or employer TSA plans (ERISA); no consent for individually owned policies", "quote": "For Qualified Corporate, Keogh (H.R. 10) or Employer-Sponsored TSA Plans, a married Insured/Annuitant requires written consent of her/his spouse to change the Beneficiary to someone other than the spouse.", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "5", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; extra sheet allowed", "quote": "This form allows you to name up to four primary and ... If you need additional space, please attach a separate sheet of paper.", "account_type": "Equitable group life and AD&D (employer group insurance; Group Insurance Beneficiary Designation/Change E15761)", "page": "1", "source_url": "https://www.wnydistrict.com/wp-content/uploads/2024/11/Equitable-Beneficiary-Designation-Form-with-Policy-Number.pdf", "form_number": "E15761", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "mail (regular or express, Charlotte NC); fax", "quote": "Please detach these pages from the Beneficiary Change Request Form before mailing. ... Charlotte, NC 28201-1047 ... Toll-free Fax Number", "account_type": "Individual life insurance policies (Beneficiary Change e14616, Cat. 137177, 3/23; earlier AXA Equitable form E6258)", "page": "1", "source_url": "https://portal.equitable.com/appentry/EDoxRedirect?node_id=18794320", "form_number": "", "revision_date": "2023-03", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-fg", "institution": "F&G Annuities & Life (Fidelity & Guaranty Life Insurance Company)", "segment": "insurer", "account_group": "life", "account_types": [ "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "specimen wording for corporate and individual trustees", "quote": "Corporate trustees ... Trustee, or its successors in trust, under Trust ... Individual trustee ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "specimen wording names the trustee and the trust agreement date; the form lines themselves ask name, SSN, date of birth", "quote": "Trustee, or its successors in trust, under Trust ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "\"as Trustee under Trust Agreement dated\" wording with trustee name and date (specimen)", "quote": "Trustee, or its successors in trust, under Trust ... naming Mary Smith as Trustee under Trust Agreement", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "specimen trustee designations (corporate trustee with successors in trust; individual trustee)", "quote": "Corporate trustees ... Trustee, or its successors in trust, under Trust ... Individual trustee", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "specimen wording in ADMIN 0177 names \"lawful children of Insured ... as may then be living\" as a class", "quote": "otherwise equally to such lawful children of Insured", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "3", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin0000s/ADMIN0177%20Transfer%20of%20ownership%20-%20Change%20of%20Beneficiary.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "specimen wording for the insured's estate", "quote": "Executors or Administrators of the Insured's Estate", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines; attach a signed and dated page for more", "quote": "Should you need to add any additional beneficiaries beyond the space allowed on this form, please attach an additional page", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "2", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (P.O. Box 81497 Lincoln NE; NY P.O. Box 81337); overnight; fax (annuity 402-328-2266, life 800-281-5777)", "quote": "RETURN COMPLETED FORM TO ... Overnight ... U.S. Mail ... Submit your documents according to the instructions on the form.", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "1", "source_url": "https://assets.fglife.com/is/content/fglife/ad-reviewed-materials/admin/admin5700s/ADMIN5742%20Change%20of%20Beneficiary%20Request.pdf", "form_number": "", "revision_date": "2018-09", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "3-5 business days after all required information (help page)", "quote": "F&G will process the request within 3-5 business days of receipt of all required information.", "account_type": "F&G life insurance policy beneficiary change (ADMIN 5742; specimen wording ADMIN 0177)", "page": "web page", "source_url": "https://www.fglife.com/contact/manage-policies/how-to-change-beneficiary", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "fidelity", "institution": "Fidelity Investments (Fidelity Brokerage Services LLC)", "segment": "brokerage", "account_group": "life", "account_types": [ "Fidelity term life insurance (FILI / Empire Fidelity)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "Name of Person, Trust, or Entity ... Date of Birth or Trust MM DD YYYY", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary class", "quote": "Secondary Beneficiaries ... Name of Person, Trust, or Entity", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date, trustee(s); TIN if applicable", "quote": "In trust situations, be sure to include legal name of trust, date of trust and name of trustee(s). If applicable,", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "name, date and trustee (older form 1.906359.105; current form asks TIN and trust date)", "quote": "In trust situations, be sure to include legal name of trust, date of trust and name of trustee(s).", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample trust designation format", "quote": "John A. Doe, Irrevocable Trust dated 1/1/2000. Mary J. Doe, trustee.", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each person must be named", "quote": "Do not designate a class of people such as \"the children of the insured.\"", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "class designations refused", "quote": "Do not designate a class of people such as \"the children of the insured.\" Name all individuals in the appropriate section on the Beneficiary form.", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "payable to guardian; evidence of guardianship required", "quote": "Naming of Beneficiaries: If a named Beneficiary is a minor or deemed incompetent, benefits will be payable to the legal guardian or conservator.", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "sample designation", "quote": "Estate: Estate of the Life Insured", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "policy owner (if not the insured), then owner's estate", "quote": "If no Beneficiary is then alive, to the policy owner if ... If the owner is not living, payment will go to the Owner", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "1", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "equally to survivors in the same class", "quote": "If a Beneficiary dies before the benefit is payable, his or her share will be allocated equally among any surviving", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-beneficiary-change.pdf", "form_number": "1.906359.105", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; copy or blank sheet for more", "quote": "If you need more room for additional primary OR secondary beneficiaries, make a copy of this page or use a blank sheet.", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "2", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (regular or overnight); signature must be witnessed by a non-beneficiary; all trustees sign for a trust-owned policy", "quote": "Send the ENTIRE ... form to Fidelity Investments. After the changes are ... Policy owner or authorized individual must sign and date this form in the presence of", "account_type": "Fidelity term life insurance (FILI / Empire Fidelity)", "page": "3", "source_url": "https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/customer-service/term-bene-change.pdf", "form_number": "1.9905376.102", "revision_date": "2024-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-global-atlantic", "institution": "Global Atlantic Financial Group (Forethought Life)", "segment": "insurer", "account_group": "life", "account_types": [ "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust named on the beneficiary line plus Trust Verification Form (16541)", "quote": "Individual, Trust or Company Name ... If you are designating a Trust as your beneficiary, signing as a Trustee, or if there have been changes to the Trust, please submit an updated Trust Verification Form.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines accept a trust", "quote": "CONTINGENT BENEFICIARY(IES) ... Individual, Trust or Company Name", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "beneficiary line asks TIN; Trust Verification asks trust name, original and amended dates, governing state, TIN, grantor, trustees", "quote": "Use this form to certify the name, date and trustees of your trust. ... Social Security / Tax Identification Number", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/17003-life-claim-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "the required Trust Verification asks trust date and trustee names", "quote": "Full Name of Trust: ... Original Trust Date ... Name(s) of Trustee(s) and Relationship to Proposed Insured(s):", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/16541-trust-verification.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Trust Verification Form when a trust is named; trust copy on request", "quote": "please submit an updated Trust Verification Form ... Please be advised that the Company reserves the right to request and receive a copy of the Trust documents.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "per stirpes box per beneficiary", "quote": "To distribute proceeds per stirpes, check the appropriate box for each beneficiary.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "deceased beneficiary's children share equally in that share", "quote": "Per Stirpes is a common way of distributing proceeds where if one or more of your beneficiaries has died his or her children share equally in his or her share (also known as By Right of Representation).", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class such as Children may be named, but known members must be listed and changes reported", "quote": "If you designate a class of beneficiaries (such as Children), list the full names and relationships of the known beneficiaries of that class. Notify us of any changes to that class of beneficiaries.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian designation section; not extended to per stirpes issue", "quote": "If you designate a minor as a beneficiary, you may consider naming a custodian under your state's Uniform Transfers Minors Act (UTMA) ... Only one custodian and one minor may be named in each designation.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per stirpes primaries pass to their children ahead of contingents; otherwise contingents take", "quote": "Contingent Beneficiaries will receive death benefit proceeds in the event the Primary Beneficiaries predecease the insured ... and if those designations did not include per stirpes.", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states", "quote": "If you live in a Community Property State (AZ, CA, ID, LA, NM, NV, TX, WA and WI), we are required to have Spousal Consent to make beneficiary changes to your policy/contract(s).", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "5", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs section 6 of the form (or checks no-spouse box); no notary stated", "quote": "This form will be returned if this section is not complete. ... My consent is irrevocable unless my spouse revokes the beneficiary designation(s).", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "4", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 lines per section; copy the page, attach signed pages or use supplement 17963", "quote": "To list additional Primary Beneficiaries, you may copy this page, mark the checkbox at the bottom of the page and return. ... Use this form to elect Additional Beneficiaries for your contract(s), if you do not have enough space on Form 13977", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "2", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/13977-beneficiary-change-form.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax", "quote": "Mail or fax completed form to: P.O. Box 4321, Clinton, IA 52733-4321", "account_type": "Accordia Life and Annuity Company life policy beneficiary change (13977, 17963, ISUL rider 18185)", "page": "1", "source_url": "https://www.globalatlantic.com/content/dam/global-atlantic/corporate-agnostic/pdfs/18185-beneficiary-change-for-indexed-survivorship-universal-life-rider.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-guardian", "institution": "Guardian Life Insurance Company of America", "segment": "insurer", "account_group": "life", "account_types": [ "Guardian group accidental death insurance under an employee benefits plan (form GG-17)", "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "Guardian group life, voluntary life, group permanent life, AD&D and accident under an employee benefits plan (employer forms GG-17 and GG-17-A)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust on any primary line; testamentary trustee as a class designation", "quote": "Primary Beneficiary Name ... Birth /Trust Date SSN/TIN ... Trustee Under the Insured's Last Will & Testament", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "trust on a contingent line", "quote": "Contingent Beneficiary Name ... Birth /Trust Date SSN/TIN", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "2", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust date and TIN on the beneficiary line", "quote": "Birth /Trust Date SSN/TIN", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "2", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust date; trustee name not asked", "quote": "Birth /Trust Date SSN/TIN", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "2", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "per_stirpes_offered": { "value": "yes", "detail": "one per stirpes checkbox per class", "quote": "This designation applies to all primary beneficiaries listed above. ... This designation applies to all contingent beneficiaries listed above.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "2", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's surviving children equally, before other beneficiaries", "quote": "If a beneficiary dies before the insured, any amount that would have been paid to that beneficiary, if living, will be paid in equal shares to the surviving children of that beneficiary. If per stirpes is designated, payment of that amount will be made to the surviving children, if any, before any other beneficiary.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "2", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class designations, children or grandchildren of the insured, insured's estate, testamentary trustee", "quote": "In lieu of providing specific beneficiary names, the ... following class designations can be used: ... Children of the Insured ... Grandchildren of the Insured", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "banned_language": { "value": "yes", "detail": "shares must total exactly 100% (or fractions total 1)", "quote": "Do not list ... over or under 100% of the proceeds in any given", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "custom_designation_accepted": { "value": "yes", "detail": "Guardian prepares a special form for requests the standard form cannot hold (unequal shares plus further beneficiaries)", "quote": "you may not list any further beneficiaries on the form. ... For this type of request, please contact us so that a ... special form can be prepared.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian, custodian's full name, relationship, minor's name, date of birth, custodial state", "quote": "UTMA/UGMA refers to a state's law that governs the transfer of title to life ... We require the Custodian's full legal name (First, MI, Last, Suffix),", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "insured's estate as a class designation", "quote": "following class designations can be used: ... Insured's Estate", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "insured's estate", "quote": "If no designated beneficiary survives the Insured, settlement will be made to the estate of the Insured.", "account_type": "Guardian group accidental death insurance under an employee benefits plan (form GG-17)", "page": "1", "source_url": "https://assets.ctfassets.net/gau1nv66ynug/4wkDqxxb8lSH5ewKC8yrnt/e2fdb8b487c40fc821da512c4e5ed84b/Accident_Beneficiary_Designation_Change_Form.pdf", "form_number": "GG-17", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "without percentages, equally to survivors", "quote": "If more than one primary and/or contingent Beneficiary is designated and no percentage has been designated, settlement will be made in equal shares to such of the designated beneficiaries as survive the Insured, unless otherwise provided herein.", "account_type": "Guardian group accidental death insurance under an employee benefits plan (form GG-17)", "page": "1", "source_url": "https://assets.ctfassets.net/gau1nv66ynug/4wkDqxxb8lSH5ewKC8yrnt/e2fdb8b487c40fc821da512c4e5ed84b/Accident_Beneficiary_Designation_Change_Form.pdf", "form_number": "GG-17", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states when the spouse is not sole primary", "quote": "If you are married, reside in a community property state (AZ, CA, ID, LA, NV, ... NM, TX, WA, WI), and designate someone other than your spouse as your ... sole primary beneficiary, your spouse must sign.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs Section IV; unmarried owner checks the box; no notary unless requested", "quote": "Check this box if you do not have a spouse, or if your spouse is deceased. ... Signatures need to be notarized only if specifically requested by the company.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "3", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 2 contingent lines; signed and dated extra sheet", "quote": "If additional space is needed for primary or contingent ... beneficiaries, please attach a blank sheet of paper listing", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "1", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "notarization_or_medallion": { "value": "no", "detail": "not required unless requested; disinterested witness for Massachusetts owners or insureds", "quote": "Signatures need to be notarized only if specifically requested by the company.", "account_type": "Guardian individual life insurance (Request for Beneficiary Change TITLE-BENE 05/20; Guardian, GIAC, Berkshire Life)", "page": "3", "source_url": "https://www.guardianlife.com/s3fs-public/2020-06/ChangeUpdate+Beneficiary+Information+(6-20)_0.pdf", "form_number": "", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "esign_accepted": { "value": "no", "detail": "wet ink", "quote": "ALL SIGNATURES MUST BE IN INK", "account_type": "Guardian group accidental death insurance under an employee benefits plan (form GG-17)", "page": "1", "source_url": "https://assets.ctfassets.net/gau1nv66ynug/4wkDqxxb8lSH5ewKC8yrnt/e2fdb8b487c40fc821da512c4e5ed84b/Accident_Beneficiary_Designation_Change_Form.pdf", "form_number": "GG-17", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax", "quote": "PO Box 981570 ... Fax Number: 916-388-3604 ... FORWARD FORM TO GUARDIAN LIFE INSURANCE FOR RECORDING", "account_type": "Guardian group accidental death insurance under an employee benefits plan (form GG-17)", "page": "1", "source_url": "https://assets.ctfassets.net/gau1nv66ynug/4wkDqxxb8lSH5ewKC8yrnt/e2fdb8b487c40fc821da512c4e5ed84b/Accident_Beneficiary_Designation_Change_Form.pdf", "form_number": "GG-17", "revision_date": "2026-03", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-john-hancock", "institution": "John Hancock Life Insurance Company (U.S.A.)", "segment": "insurer", "account_group": "life", "account_types": [ "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trustee beneficiary allowed; company not bound by the trust deed", "quote": "TRUSTEE BENEFICIARY. The Company shall not be bound by any trust deed or partnership agreement, and shall not be liable for the application of the proceeds of the policy by a trustee beneficiary or any other person.", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "2", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox \"Children's Clause\" when children are named", "quote": "CHILDREN'S CLAUSE: (Stirpes Provision). Available with any option that names any children as beneficiary.", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "2", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "a predeceased child's share to that child's surviving children; if none, to the insured's other children who are beneficiaries", "quote": "If a child of the Insured dies before the Insured leaving children who survive the Insured, the share such deceased beneficiary would have received had such beneficiary survived the Insured, shall be paid in equal shares to the surviving children of such deceased beneficiary.", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "2", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class (\"children\") may be named; identified by affidavit at claim", "quote": "Available with any option that names any children as beneficiary. ... The Company may rely upon any affidavit or certificate which it considers satisfactory proof to identify any beneficiary not described by name", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "2", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "free-text \"Other\" option", "quote": "ONE OR MORE PRIMARY BENEFICIARIES PLUS ONE MORE SECONDARY BENEFICIARIES ... OTHER:", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "1", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Insured's estate\" checkbox", "quote": "INSURED'S ESTATE ... ONE PRIMARY BENEFICIARY: Name and relationship to Insured", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "1", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "the owner; if the insured is the owner, the insured's estate", "quote": "If no designated beneficiary is living at the death of the Insured, the Owner will be the beneficiary, and if the Insured is the Owner, the entire amount payable will be paid in a single payment to the Insured's estate.", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "2", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "survivors equally, then secondary beneficiaries; optional survivorship period up to 30 days", "quote": "or the survivors, equally, or the survivor, if any; otherwise ... If any Primary Beneficiary dies simultaneously with the Insured or before the expiration of", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "1", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "no notary for the owner; witness in Massachusetts only; a notarized list for Group Plan agreements", "quote": "If the owner resides in Massachusetts, the signature of a witness (anyone other than the beneficiary) is required.", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "1", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail", "quote": "INFORMATION CONTROL CENTER ... JOHN HANCOCK PLACE, PO BOX 772", "account_type": "John Hancock life insurance and annuity Change of Beneficiary (form 17327, 2/00 Ed., Wayback 2008)", "page": "1", "source_url": "http://www.johnhancock.com:80/pdf/change_of_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2008-05-11", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-lincoln", "institution": "Lincoln Financial (Lincoln National Life)", "segment": "insurer", "account_group": "life", "account_types": [ "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "Lincoln group term life, AD&D, accident and critical illness (employer group insurance; Beneficiary Designation Form GLC-02170, 5/17)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "Step 6 trust section, primary or contingent", "quote": "Use this section to designate a trust as a beneficiary. ... Indicate if this trust designation is for primary beneficiary or contingent beneficiary.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "5", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust as contingent in Step 6", "quote": "If you are designating a trust or entity as a contingent beneficiary, proceed to step 6 or 7.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "4", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, TIN (required), trust date, address, all trustee names and contact information", "quote": "Enter the trust name, tax ID number, date the trust was established, and address. ... Indicate all trustee names and contact information. ... Trust Tax ID Number is required.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "5", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date, all trustee names and trust TIN", "quote": "Enter the trust name, tax ID number, date the trust was established, and address. ... Indicate all trustee names and contact information.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "5", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary listed individually with name, date of birth, SSN (the ownership change form expressly bars class designations for owners)", "quote": "print as many copies of this page as needed prior to completing, and include the information for each beneficiary. Enter the primary beneficiary's name, date of birth, social security number, and contact information.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "dollar amounts and fractions refused; whole-number percentages totaling 100%", "quote": "Use numbers to indicate the percentage payable for each beneficiary. Lincoln will not accept dollar amounts or fractions.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "3", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor can be named; Step 8 names a guardian/conservator; UGMA/UTMA suggested", "quote": "Any payment due to a minor beneficiary shall be made to the legally appointed guardian of the minor, unless otherwise permitted by law. If you are designating a minor beneficiary, we suggest you contact your legal advisor to consider doing so under the UNIFORM GIFTS TO MINOR ACT (UGMA), or UNIFORM TRANSFERS TO MINORS ACT (UTMA)", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "6", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"My Estate\" (executor may be named)", "quote": "You may name your estate as a beneficiary. To name your estate as the beneficiary indicate \"My Estate\" as the beneficiary.", "account_type": "Lincoln group term life, AD&D, accident and critical illness (employer group insurance; Beneficiary Designation Form GLC-02170, 5/17)", "page": "2", "source_url": "https://www.lincoln4benefits.com/AdminWebContent/Production/Ardis_Forms/grup/glc-02170f.pdf", "form_number": "GLC-02170", "revision_date": "2017-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "2 individual lines per page; copy pages as needed; same for trusts and entities", "quote": "If you are designating more than two individual primary beneficiaries, print as many copies of this page as needed prior to completing", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "3", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "notarization only when the signer signs with an \"X\"; Massachusetts residents need a witness", "quote": "Note: Notarization is required if the signor must sign with an \"X\" and stamped signatures will not be accepted.", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "7", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; overnight; fax; email", "quote": "Mail: Lincoln Financial Group, Insurance Operations ... Overnight Address: Lincoln Financial Group, Insurance Operations ... Fax: 800-819-1987 ... Email: CustServSupportTeam@LFG.com", "account_type": "Lincoln life insurance policy or certificate (incl. riders) beneficiary change", "page": "1", "source_url": "https://www.lincolnfinancial.com/pbl-static/pdf/CS06893-form.pdf", "form_number": "G10-00", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-metlife", "institution": "MetLife (Metropolitan Life Insurance Company)", "segment": "insurer", "account_group": "life", "account_types": [ "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "MetLife group life for South Carolina PEBA members (online designation via MyBenefits)", "MetLife Total Control Account (retained asset account for claim proceeds)", "MetLife group life, older employer form G.BENE-DES (JY6004 03/07; State of Maryland supplemental/optional life 02/10)", "MetLife group accident, critical illness, cancer and hospital indemnity insurance (form GR-AC-CI-C-INS 11/17; certificates GCERT16/GCERT19)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "living trust (F) or testamentary trust (E) as primary", "quote": "Living (Inter Vivos) Trust - See further instructions on page 4. ... Testamentary Trust created in your Will - The trust under your last Will and Testament as shall be admitted to probate.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "2", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "living trust (L) or testamentary trust (K) as contingent", "quote": "Living (Inter Vivos) Trust - See further instructions on page 4. ... Total proceeds for all contingent beneficiaries (H-M plus any listed on separate pages) must equal 100%.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "2", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, address, phone, type, %, plus trust date, trust TIN, trustee full name on a separate signed page", "quote": "Additional information required for Living (Inter Vivos) Trust(s): Trust date Trust Tax ID number Trustee first, middle and last name", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name (and trust TIN)", "quote": "Additional information required for Living (Inter Vivos) Trust(s): Trust date Trust Tax ID number Trustee first, middle and last name", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "testamentary trust, copy of the will at claim", "quote": "A copy of the will is required before the claim can be settled.", "account_type": "MetLife group accident, critical illness, cancer and hospital indemnity insurance (form GR-AC-CI-C-INS 11/17; certificates GCERT16/GCERT19)", "page": "3", "source_url": "https://core-docs.s3.amazonaws.com/documents/asset/uploaded_file/4007/MISD/3411833/metlife_accident_beneficiary_form.pdf", "form_number": "", "revision_date": "2017-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "class designations refused", "quote": "Specific individuals must be named as beneficiaries (e.g., the term \"Grandchildren\" is not acceptable).", "account_type": "MetLife Total Control Account (retained asset account for claim proceeds)", "page": "1", "source_url": "https://eforms.metlife.com/wcm8/PDFFiles/30040.pdf", "form_number": "", "revision_date": "2025-05", "wayback_capture": "2025-05-31", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "whole-number percentages only; same person or entity may not be both primary and contingent", "quote": "use whole numbers (no fractions or decimals) and make sure they (and any listed on separate pages) add up to 100% ... Do not list the same person or entity as both a primary and a contingent beneficiary.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; paid to an adult (guardian) or held by MetLife until majority; a trust is suggested (group benefits flyer L1024044025)", "quote": "By law, minors can't receive or control these assets, so funds must be distributed to someone who's 18 or older or may be held by the carrier until the child is no longer a minor.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/regional/life-insurance-beneficiary-designation-flyer.PDF", "form_number": "L1024044025", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "estate as primary (then no contingent) or contingent", "quote": "Your Estate - If you name your Estate as a primary beneficiary, you cannot name a contingent beneficiary.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "2", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "list as printed, estate; spouse; children equally; parents equally; siblings equally (PEBA state plan default; order as printed)", "quote": "If you have no eligible life insurance beneficiaries named, death benefits will be paid to: Your estate; Your lawful spouse, if living; otherwise: Your natural or legally adopted child or children, in equal shares, if living; otherwise: Your parents, in equal shares, if living; otherwise: Your siblings, in equal shares, if living.", "account_type": "MetLife group life for South Carolina PEBA members (online designation via MyBenefits)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/scpeba/home/life-beneficiary-designation-guidance-scpebapeba-edits01312025.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-07-01", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share divided equally among the remaining beneficiaries of the same class", "quote": "If a primary beneficiary dies before you, we will divide their share(s) equally between the remaining primary beneficiaries. ... If a contingent beneficiary dies before you, we will divide their share(s) equally between the remaining contingent beneficiaries.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 individual primary and 2 individual contingent lines; attach signed and dated extra pages", "quote": "To name additional beneficiaries, attach a separate page. Provide the requested information including the beneficiary type (primary or contingent) and the % proceeds for each.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online through PEBA MyBenefits", "quote": "Log in to MyBenefits at mybenefits.sc.gov. ... Select Add to name multiple beneficiaries.", "account_type": "MetLife group life for South Carolina PEBA members (online designation via MyBenefits)", "page": "1", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/scpeba/home/life-beneficiary-designation-guidance-scpebapeba-edits01312025.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2025-07-01", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail to MetLife Recordkeeping (MET editions); return to the employer or benefits administrator (EMP editions)", "quote": "How to submit this form Mail: MetLife Recordkeeping & Enrollment Services P.O. Box 14401 Lexington, KY 40512-4401 ... Return this entire form (and any additional pages) to your employer or benefits administrator.", "account_type": "MetLife group term life (employer group certificate, beneficiary designation form GR-TR-BENE-MET2)", "page": "4", "source_url": "https://www.metlife.com/content/dam/metlifecom/us/homepage/countyofsandiego/pdf/COSD_MetLifeBeneficiaryDesignationForm_AllProducts.pdf", "form_number": "", "revision_date": "2018-11", "wayback_capture": "2023-12-26", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-nationwide", "institution": "Nationwide Life Insurance Company (and Nationwide Life and Annuity Insurance Company)", "segment": "insurer", "account_group": "life", "account_types": [ "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "Corporate- or trust-owned life insurance (Application for Change of Beneficiary Designation COLI-4009-CORP, 03/2017)", "Nationwide group life and AD&D (employer group insurance; Designation of Beneficiary Form NSHEB-6009, 12/2015)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "entity lines 4 to 6 of the primary section", "quote": "Primary Beneficiary(ies) (required) ... Estate1 c Trust2 c Creditor c Funeral Home c Other (please specify):", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "entity lines 4 to 6 of the contingent section", "quote": "Contingent Beneficiary(ies) (optional) ... Estate4 c Trust5 c Other (please specify):", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "entity legal name, contact name and TIN on the form; Certification of Trust with name, date, trustees, successors and TIN", "quote": "Please provide a Certification of Trust (Trust Certificate) that provides necessary information to validate the trust including but not limited to the legal Trust name and effective date", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "legal trust name and effective date, trustees (in the certification)", "quote": "the legal Trust name and effective date, the Trustee(s) authorized to act on behalf of the Trust including any successor Trustee(s)", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/APO-5309.pdf", "form_number": "APO-5309-X", "revision_date": "2025-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "certification at designation; at claim a trustee statement (living trust) or certified copy of the trustee's qualification or probate of the will (testamentary trust)", "quote": "Please provide a Certification of Trust (Trust Certificate) that provides necessary information to validate the trust ... If the beneficiary is an inter vivos or living trust, the Company is authorized to rely upon a statement from the Trustee(s) that the trust is active and in full force and effect.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class designations such as \"all living children\"; members identified by affidavit at claim", "quote": "If beneficiary(ies) are not specified by name (i.e. all living children), the Company is authorized to rely on an affidavit(s) from the beneficiary(ies) listed on this form or from any responsible person in determining the names of the beneficiaries at time of claim. ... Children include naturally born and legally adopted children of the Insured.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "5", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "\"same\" or \"no change\" refused; one person cannot be both primary and contingent", "quote": "We will not accept forms where Section 2 is left blank. We will also not accept wording such as \"same\" or \"no change\" in Section 2 or in Section 3. ... The same person/entity cannot be designated as both a Primary and a Contingent Beneficiary", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "5", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; above the state limit only a court-appointed guardian or conservator is paid", "quote": "State law limits the policy proceeds amount Nationwide can pay to a minor beneficiary in their individual capacity. If the policy proceed amount exceeds state law limits, Nationwide can only pay the proceeds to a court-appointed guardian", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "5", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"Estate\" box; company may rely on certified letters of the executor or administrator", "quote": "The Executor(s) or Administrator(s) of the Estate of the Insured", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "2", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "unless otherwise designated, a predeceased beneficiary's share goes equally to survivors in the same class; contingents take if all primaries predecease or a trust no longer exists; if no trust evidence within six months, proceeds may go to the contingent", "quote": "If two or more Primary Beneficiaries or Contingent Beneficiaries are designated to receive the proceeds in unequal shares and any of those Primary Beneficiaries or Contingent Beneficiaries predecease the Insured, the proceeds designated for such deceased Primary Beneficiaries or Contingent Beneficiaries shall instead be paid in equal shares to those Primary Beneficiaries or Contingent Beneficiaries who survive the Insured.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "5", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property states and territories", "quote": "For life insurance policies issued in and for residents of: Arizona, California, Guam, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, and Wisconsin", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "4", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs on the form (no notary); otherwise the owner indemnifies Nationwide", "quote": "If my spouse has not signed this form, as the owner of this life insurance policy, I take full responsibility in determining whether community property laws do or do not apply to this life insurance policy.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "4", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "defers to state revocation statutes; Indiana and Missouri statutes incorporated by reference", "quote": "Some states have enacted legislation which may automatically revoke beneficiary designations to a former spouse ... Nationwide will take these state laws into consideration when processing claims on your life insurance policy.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "6", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 individual and 3 entity lines per class; extra sheet allowed", "quote": "Additional beneficiaries may be included on another sheet of paper if necessary.", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "wet ink signatures of all owners, co-trustees and irrevocable beneficiaries", "quote": "Signatures must be made in ink using full legal names.", "account_type": "Corporate- or trust-owned life insurance (Application for Change of Beneficiary Designation COLI-4009-CORP, 03/2017)", "page": "1", "source_url": "https://nationwidefinancial.com/media/pdf/COLI-4009-CORP.pdf", "form_number": "COLI-4009-CORP", "revision_date": "2017-03", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "upload; mail (fax number in the form header)", "quote": "Upload Online: Log in to nationwide.com and select the \"Forms\" option to submit this request online. ... Submit by regular mail", "account_type": "Life insurance policies (Application for Change of Beneficiary Designation LAF-0119AO)", "page": "5", "source_url": "https://nationwidefinancial.com/media/pdf/LAF-0119AO.pdf", "form_number": "", "revision_date": "2025-11", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-new-york-life", "institution": "New York Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "primary, secondary and tertiary classes may each name a trust (living or testamentary)", "quote": "Name of beneficiary or trust ... Individual(s) or entity(ies) (such as a", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "secondary (and tertiary) beneficiaries may be trusts", "quote": "Secondary or second beneficiary: If all primary beneficiaries are deceased, the class of individual(s) or entity(ies) (such as a trust)", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, trustee name(s) and contact details, tax ID; the form also asks the trust's beneficiaries and their relationship to the insured, and whom to name as trustee if the trustee is the insured", "quote": "For a trust beneficiary, what information is needed? ... Date of the trust agreement ... Name of trustee(s) and contact information ... If any of your named beneficiaries are a trust, please complete the following fields", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name(s) required; the 2014 form's sample uses \"[trustee], as Trustee under [trust] Dated [date]\"", "quote": "For a trust beneficiary, what information is needed? ... Date of the trust agreement ... Name of trustee(s) and contact information ... John Smith, as Trustee under Trust ABC Dated", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "older form 21131-M (11/14) requires New York Life's own Statement of Trust form 20885 (not saved) for a living trust, not the trust instrument; the current form 21131 (7/2026) does not mention it", "quote": "To name a trust as a beneficiary, other than a Testamentary Trust, please also complete the \"Statement of Trust\" (Form # 20885)", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for a living trust and a testamentary trust (2014 form 21131-M); no sub-trust or separate share format", "quote": "Primary Beneficiary - Trustee of a Living Trust ... John Smith, as Trustee under Trust ABC Dated ... Testamentary Trust under last will and testament of Mary A. Smith", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "a Per capita / Per stirpes choice for each beneficiary line; per capita is the default", "quote": "This option is selected by default unless per stirpes is indicated. ... For definitions of these terms, please see page 11", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "2", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "one generation only, a predeceased beneficiary's share passes equally to that beneficiary's living children", "quote": "If a beneficiary is designated \"per stirpes,\" any interest to which the deceased beneficiary would be entitled, if living, passes equally to any living children of that beneficiary.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "checkbox per beneficiary and the default; New York Life's \"per capita\" means the surviving named beneficiaries share equally (not per capita at each generation)", "quote": "Per capita describes an arrangement in which if one of the beneficiaries were to pass away or disclaim, the shares would be distributed evenly amongst the surviving beneficiaries. This option is selected by default unless per stirpes is indicated.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class designations such as \"children born of the marriage to [spouse]\" appear in the 2014 sample designations; the 2026 form's per stirpes option reaches only the beneficiary's children", "quote": "Multiple Primary Beneficiaries - Biological Children ... Children born of the marriage to Mary A. Smith ... Secondary: Children born of the marriage to Mary A. Smith", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "shares must be percentages or fractions totaling 100% per class; dollar amounts refused", "quote": "Specific dollar amounts will not be accepted. ... Specific dollar amounts are not allowed.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "12", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "a signed, dated attached page (2014 form) or the free-text Additional Information section (2026 form); for Joint Life or Dualife policies and settlement-option payouts New York Life prepares its own form", "quote": "If all changes do not fit on this form, attach a page with your additional changes to the form. This page should include the policy number(s) affected as well as your signature and the date. ... Use this section to provide additional beneficiary information if needed.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA/UGMA custodian fields on the form (one custodian per minor; successor custodian on an attached page, 2014 form) or a trust; otherwise a court-appointed guardian", "quote": "Minors can't directly receive payments. Unless you specify a trust or name a custodian for the minor beneficiary under the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA), we will require a court appointed custodian/guardian", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "sample designation (2014 form 21131-M)", "quote": "Primary Beneficiary - For Life Policies ... The Insured's Estate", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "7", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "to the policyowner, or the policyowner's estate if the owner was the insured (2014 form); the 2026 form says only that funds are \"distributed according to the terms of the contract\" and \"usually will pass to the estate of the policy owner\"", "quote": "If no beneficiary for any life insurance or other death benefit proceeds survives, the right to those proceeds will pass to the Policyowner. If the Policyowner was the Insured/Annuitant, the right to those proceeds will pass to the Policyowner's estate.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "8", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131M.pdf", "form_number": "", "revision_date": "2014-11", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to the surviving primaries equally (per capita default); per stirpes elections pass to the beneficiary's living children; simultaneous death (or within 15 days if the policy so provides) treated as beneficiary dying first", "quote": "If a primary beneficiary does not survive the insured or annuitant, that portion of the contract proceeds will be paid to any remaining primary beneficiaries in equal shares. ... Any interest which a deceased secondary beneficiary would, if living, have had in policy proceeds shall be shared equally by any living children of that beneficiary.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "11", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "\"in most states\" a former spouse must be re-designated after the divorce (as ex-spouse) to remain beneficiary, i.e. divorce may revoke; refers the owner to state law and the decree", "quote": "What if I get a divorce or annulment? ... ficiary of your policy, you must update the beneficiary designation after ... your divorce is finalized, designating the relationship as ex-spouse", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "12", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four beneficiary sections per page; pages may be copied without limit", "quote": "Have more than four beneficiaries? You can print and use this page as many times as needed.", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "5", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online at MyNYL or the app; the paper form can also be uploaded", "quote": "Save time: Update your beneficiaries online. ... Visit us at newyorklife.com/my-account", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "1", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (MyNYL or app), upload, mail, fax", "quote": "Online: Save time and postage by uploading this form at newyorklife.com/register. ... Mail: New York Life, PO Box 130539, Dallas, TX 75313-0539 ... Fax: (800) 278-4117", "account_type": "Individual life insurance (New York Life, NYLIAC, NYLIFE Arizona; My Beneficiary Changes form 21131 7/2026, older form 21131-M 11/14)", "page": "10", "source_url": "https://www.newyorklife.com/bin/nyl/api.forms/formslibrary/static/21131.pdf", "form_number": "", "revision_date": "2026-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-northwestern-mutual", "institution": "Northwestern Mutual Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Northwestern Mutual individual life insurance (customer FAQ; change form not saved)" ], "florida": false, "fields": { "online_designation": { "value": "yes", "detail": "online through the client account (\"Manage Beneficiaries\"); universal life through Universal Life Services", "quote": "A beneficiary change can be made online for all life insurance products", "account_type": "Northwestern Mutual individual life insurance (customer FAQ; change form not saved)", "page": "web page", "source_url": "https://www.northwesternmutual.com/faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; signed paper form (from the website, the representative or Client Services); return address not stated", "quote": "A beneficiary change can be made online for all life insurance products ... Alternatively, you can complete, sign and return a Beneficiary Change form by: ... Logging into the website and printing out the beneficiary change form", "account_type": "Northwestern Mutual individual life insurance (customer FAQ; change form not saved)", "page": "web page", "source_url": "https://www.northwesternmutual.com/faq/", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-pacific-life", "institution": "Pacific Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "inter vivos or testamentary trust may be named", "quote": "Inter-Vivos Trust ... The (Name of Trust) Trust, dated ... If the new Primary Beneficiary is a Trust, the Trust Certification for In-Force Policies form (15-47910) must be", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "1", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines carry the same Date of Birth/Trust field", "quote": "B. New Contingent Beneficiary (Optional) ... Date of Birth/Trust", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "4", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust date, TIN, address and phone", "quote": "Date of Birth/Trust ... For each beneficiary, whether primary or contingent: full name, date of birth, Social Security Number (SSN) or ... Tax Identification Number (TIN)", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "1", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "sample wording, trust name, trust date, trustee name, \"Trustee, or the successor or successors in trust\"", "quote": "The (Name of Trust) Trust, dated ( Trust date) , with (Name of Trustee) , Trustee, or the ... successor or successors in trust", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "4", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "PL Promise form requires the Trust Certification when a trust is named primary; booklet uses it at claim; trust document on request", "quote": "If the new Primary Beneficiary is a Trust, the Trust Certification for In-Force Policies form (15-47910) must be ... Submitting a claim when the beneficiary is a trust ... reserves the right to request a copy of the Trust Document", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "11", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "sample wording chart shows per stirpes", "quote": "Designation Per capita by generation Per stirpes", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "8", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "illustrated by a family-tree chart (per stirpes, predeceased child's 1/3 split 1/6 and 1/6 between that child's children; per capita by generation, 2/9 each)", "quote": "Designation Per capita by generation Per stirpes", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "8", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_capita_offered": { "value": "yes", "detail": "per capita by generation shown as an alternative in the sample wording", "quote": "Designation Per capita by generation Per stirpes", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "8", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class such as \"my children\" allowed, but each member's name, date of birth, SSN and address must be supplied", "quote": "Un-named Beneficiaries ... My Children equally, survivors or survivor ... The required information must also be provided for those beneficiaries listed in a class of individuals", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "1", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "complex designations in the Additional Information section or an additional sheet", "quote": "If more space is needed for additional beneficiaries or for complex designations, use the", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "4", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA or UGMA custodian (Minor Beneficiary Custodian Information form); otherwise held until a court-appointed guardian of the estate", "quote": "Alternatively, you may consider naming a custodian for the minor Beneficiary under your state's Uniform ... Transfers Minors Act (UTMA), Uniform Gifts to Minors Act (UGMA) ... will hold the death benefit until we are provided with court certified guardianship letters", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "1", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "insured's estate", "quote": "The Insured's Estate ... Minor as Insured: The estate of the Minor", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "4", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/15-50626", "form_number": "", "revision_date": "2024-02", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner, else owner's estate (sample Flex PRO-II policy contract, 2007 specimen; product-specific)", "quote": "If no beneficiaries survive to receive payment, the death proceeds will pass to the Owner, or the Owner's estate if the Owner does not survive to receive payment.", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "25", "source_url": "https://www.pacificlife.com/content/dam/paclife/lid/public/sample-policies/Sample_Policy_Flex%20PRO-II.pdf", "form_number": "VF99999990", "revision_date": "2009-02", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "survivors share a predeceased beneficiary's interest pro rata; the 2007 sample policy also assumes, on simultaneous death of insured and beneficiary, that the beneficiary died last unless proof to the contrary", "quote": "If more than one individual or entity is named as beneficiary, they will share the death benefit proceeds equally ... with rights of survivorship, unless otherwise stated ... The interest of a beneficiary who does not outlive the Insured will be divided pro rata among the surviving beneficiaries.", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "4", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 1 or 2 contingent lines; Additional Information section or extra sheets", "quote": "If more room is needed use an additional sheet of paper", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "5", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; overnight mail; fax; email (PL Promise, Lynchburg Operations P.O. Box 2873, fax (949) 219-8811)", "quote": "Regular mail ... Overnight mail ... Fax: (866) 398-0467 ... In-force policy e-mail ... policyservice@pacificlife.com", "account_type": "Life insurance (universal, indexed, variable, term; also fixed annuities on form 15-43505)", "page": "6", "source_url": "https://life.myaccount.pacificlife.com/policyowner/ServiceForms/GetFile/BK-10349", "form_number": "", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "principal-401k", "institution": "Principal Financial Group", "segment": "recordkeeper", "account_group": "life", "account_types": [ "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, by sample trustee wording", "quote": "Trust with Individual Trustees ... Richard Doe and John Smith, Trustees, or a Successor in Trust under ... Present or Living Trust ... ABC Bank & Trust Company, Des Moines, Iowa. Trustee under", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee names, trust name, date established", "quote": "Richard Doe and John Smith, Trustees, or a Successor in Trust under ... (Trust Name) established XX/XX/XXXX", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "\"as trustee\" wording with trustee names, trust name and date", "quote": "Richard Doe and John Smith, Trustees, or a Successor in Trust under ... (Trust Name) established XX/XX/XXXX", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for individual trustees, corporate trustee and testamentary trust", "quote": "Trustee of Mary I Doe Trust or Successor in Trust established by the ... Last Will & Testament of the Insured Dated", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian (Iowa UTMA or state of residence), substitute custodians may be nominated", "quote": "If any proceeds become payable to a beneficiary who is then a \"minor\" as defined in the applicable Uniform Transfers to Minors Act, as specified herein, such proceeds shall be paid to ... as custodian for such beneficiary", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "4", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Insured's Estate ... My Estate", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "facility of payment provision of the group policy where no designation is made for a coverage", "quote": "only indicate a beneficiary designation for one of these, the facility of payment provision in the group policy will be used to determine how proceeds will be paid for the other coverage", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "2", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the survivors equally unless specified otherwise", "quote": "If two or more beneficiaries are named, the proceeds shall be paid to the named beneficiaries, or to the survivor or survivors, in equal shares, unless specified otherwise.", "account_type": "Group term life, voluntary term life and AD&D (Principal Life employer group insurance)", "page": "3", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-principal", "institution": "Principal Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "Principal individual life insurance (Beneficiary Change form DD 638)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, by sample trustee wording", "quote": "Trust with Individual Trustees ... Richard Doe and John Smith, Trustees, or a Successor in Trust under ... Present or Living Trust ... ABC Bank & Trust Company, Des Moines, Iowa. Trustee under", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "testamentary or personal trust as contingent", "quote": "2B. TRUST named as beneficiary (Testamentary or Personal Trust Designation)", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "3", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trustee names, trust name, date established", "quote": "Richard Doe and John Smith, Trustees, or a Successor in Trust under ... (Trust Name) established XX/XX/XXXX", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "\"as trustee\" wording with trustee names, trust name and date", "quote": "Richard Doe and John Smith, Trustees, or a Successor in Trust under ... (Trust Name) established XX/XX/XXXX", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; at claim", "quote": "At the time of a claim, we will request additional trust documentation.", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "sample wording for individual trustees, corporate trustee and testamentary trust", "quote": "Trustee of Mary I Doe Trust or Successor in Trust established by the ... Last Will & Testament of the Insured Dated", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "one checkbox per class (primary or contingent) applying to all persons listed", "quote": "Per Stirpes Designation to be applied to all beneficiaries listed above.", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "predeceased beneficiary's share to that beneficiary's surviving children equally", "quote": "PER STIRPES definition: If any beneficiary dies before the Insured, divide their share equally between their surviving children (birth or adopted).", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "2", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "change effective only once approved by the home office", "quote": "This form must be completed, signed, received in, and approved by our office to effect a change of your policy(ies) beneficiary.", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian (Iowa UTMA or state of residence), substitute custodians may be nominated", "quote": "If any proceeds become payable to a beneficiary who is then a \"minor\" as defined in the applicable Uniform Transfers to Minors Act, as specified herein, such proceeds shall be paid to ... as custodian for such beneficiary", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "4", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "Insured's Estate ... My Estate", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "5", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "facility of payment provision of the group policy where no designation is made for a coverage", "quote": "only indicate a beneficiary designation for one of these, the facility of payment provision in the group policy will be used to determine how proceeds will be paid for the other coverage", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "2", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to the survivors equally unless specified otherwise", "quote": "If two or more beneficiaries are named, the proceeds shall be paid to the named beneficiaries, or to the survivor or survivors, in equal shares, unless specified otherwise.", "account_type": "Principal Life group term life, voluntary term life and AD&D (employer group insurance)", "page": "3", "source_url": "https://benefitenrollment.individuals.principal.com/beneficiary.pdf", "form_number": "GP34795-14", "revision_date": "2018-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; attach pages with date, policy number and owner signature", "quote": "If space is needed for more beneficiaries than this form allows, please attach additional pages", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax; email", "quote": "P.O. Box 10431, Des Moines, IA 50306-0431 ... Fax: 866-885-0390 ... Email: IndLifeService@exchange.principal.com", "account_type": "Principal individual life insurance (Beneficiary Change form DD 638)", "page": "1", "source_url": "https://secure02.principal.com/publicvsupply/GetFile?fm=DD638&ty=PDF&EXT=.PDF", "form_number": "", "revision_date": "2025-01", "wayback_capture": "2025-06-27", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-protective", "institution": "Protective Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "Athene Annuity & Life Assurance life policies serviced by Protective (Change of Beneficiary SVC-102-ATH 12/16)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust on a primary line (trust date, tax ID)", "quote": "Primary Beneficiary full name ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "trust on a contingent line", "quote": "Contingent Beneficiary full name ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust tax ID and trust date", "quote": "SSN/Tax ID ... Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust date; trustee name not asked", "quote": "Date of Birth/Trust Date (mm/dd/yyyy)", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "1", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_docs_requested": { "value": "yes", "detail": "certificate of trust or trust agreement with the designation", "quote": "If the beneficiary is changing to a trust, please submit a copy of the Certificate of Trust or the Trust Agreement.", "account_type": "Athene Annuity & Life Assurance life policies serviced by Protective (Change of Beneficiary SVC-102-ATH 12/16)", "page": "3", "source_url": "https://ild1.protective.com/protectivelife/forms/pdf/Beneficiary%20Change%20Form_SVC-102-ATH_07.15.pdf", "form_number": "SVC-102-ATH", "revision_date": "2016-12", "wayback_capture": "", "retrieved": "2026-09-25" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "\"children of the Insured\" as a class includes afterborn and adopted children who survive the insured", "quote": "Any designation referencing children of the Insured shall be construed to mean such lawful (including those living, born later or legally adopted) children of the Insured as shall survive the Insured, unless otherwise limited by me in this request.", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "UTMA custodian wording; one custodian per minor; otherwise a court-appointed guardian may be needed", "quote": "(Name of Custodian) as custodian for (Name of Minor Child) under the (state in which child ... resides) Uniform Transfers to Minors Act. ... Note: Only one Custodian per minor beneficiary", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "4", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "owner's executors, administrators or assigns", "quote": "If there is no surviving contingent beneficiary(s), then the proceeds will be ... paid to the executors, administrators, or assigns of the owner.", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "3", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "without percentages, equally to surviving primaries; optional survivorship period up to 30 days", "quote": "If there are no percentages indicated, payment will be in equal shares to the surviving primary ... beneficiary(s). ... Elect Common Disaster Day Clause (Maximum of 30 days)", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "2", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "5 primary and 5 contingent lines; attach a spreadsheet", "quote": "If you wish to ... designate more than five individuals as primary or contingent beneficiaries, attach spreadsheet", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "3", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/SVC-102-PL.pdf", "form_number": "SVC-102-PL", "revision_date": "2025-09", "wayback_capture": "", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "online through the My Protective account (life application packet)", "quote": "Update account preferences and profile information, including beneficiary changes.", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "51", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/ICC21-400R_GA_packet.pdf", "form_number": "PLX-588", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "mail (PO Box 12687, Birmingham AL); fax; email; online", "quote": "Life and Health Insurance Administration ... Fax: 205-268-3402 ... Email: service@protective.com ... Update account preferences and profile information, including beneficiary changes.", "account_type": "Protective individual life insurance (Change of Beneficiary SVC-102-PL 09/25)", "page": "51", "source_url": "https://www.lad3.protective.com/protectivelife/forms/pdf/ICC21-400R_GA_packet.pdf", "form_number": "PLX-588", "revision_date": "2020-05", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "ins-prudential", "institution": "Prudential Financial (Pruco Life, Prudential Annuities, The Prudential Insurance Company of America)", "segment": "insurer", "account_group": "life", "account_types": [ "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "Individual life insurance (Prudential, Pruco Life; forms page only)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes, \"Trust\" box on each line", "quote": "You can name an individual, corporation/organization, trust, or an estate as a beneficiary. ... Complete this section if you have named a trust as a primary or contingent beneficiary in Section 2.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "Complete this section if you have named a trust as a primary or contingent beneficiary in Section 2.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "each trustee's name and address, title and date of the trust agreement; GL.2004.223 also asks the trust's tax ID", "quote": "Fill in the name and address for each trustee. ... Fill in the title and date of the Trust Agreement in the space provided.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust name, agreement date and trustee name", "quote": "Trust: \"The John Doe Trust. A Trust with a trust agreement dated 1/1/99 whose Trustee is Jane Smith.\"", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "subtrust_naming_format": { "value": "yes", "detail": "printed trustee wording, \"[trustee] and successor(s) in trust, as Trustee(s) under [title] dated [date] as amended\"", "quote": "And successor(s) in trust, as Trustee(s) under ... as amended and executed by me and said Trustee.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "2", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "\"Other, Estate\"", "quote": "Estate: \"Estate of the Insured\" ... Select \"Other\" as the Beneficiary Description and write \"Estate\" in the blank space provided.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, children, parents, siblings, then estate (unless an assignment applies)", "quote": "Any amount of insurance under a Coverage for which there is no Beneficiary at your death will be payable to the first of the following: your (a) surviving spouse; (b) surviving child(ren) in equal shares; (c) surviving parents in equal shares; (d) surviving siblings in equal shares; (e) estate.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "52", "source_url": "https://www.bankunited.com/docs/default-source/go-for-more-benefits/life-insurance-spd.pdf?sfvrsn=6ebf3452_2", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "only for a beneficiary paid under a settlement option, with Prudential's consent", "quote": "A Beneficiary being paid under a mode of settlement may, if Prudential agrees, choose (or change the Beneficiary's choice of) a payee or payees to receive, in one sum, any amount which would otherwise be payable to the Beneficiary's estate.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "53", "source_url": "https://www.bankunited.com/docs/default-source/go-for-more-benefits/life-insurance-spd.pdf?sfvrsn=6ebf3452_2", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share to the remaining beneficiaries of the same class equally; same rule for contingents", "quote": "If a Beneficiary dies before you, that Beneficiary's interest will end. It will be shared equally by any remaining Beneficiaries, unless the Beneficiary form states otherwise. ... In the event that a designated primary beneficiary predeceases the insured, the proceeds will be paid to the remaining primary beneficiaries in equal shares or all to the sole remaining primary beneficiary.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "52", "source_url": "https://www.bankunited.com/docs/default-source/go-for-more-benefits/life-insurance-spd.pdf?sfvrsn=6ebf3452_2", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; extra sheet (GL.2004.223, 5 lines, photocopy the page)", "quote": "This form allows you to name up to four primary and four contingent beneficiaries. If you need additional space, please attach a separate sheet of paper.", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "1", "source_url": "https://prudential.scene7.com/is/content/prudential/BeneficiaryDesignation_AllProducts", "form_number": "", "revision_date": "2024-11", "wayback_capture": "", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "online after login; no paper beneficiary form is listed on the life forms page", "quote": "Update beneficiary ... Update a beneficiary or change their information for your policy. ... In the Quick Actions , click Change Beneficiaries.", "account_type": "Individual life insurance (Prudential, Pruco Life; forms page only)", "page": "web page", "source_url": "https://www.prudential.com/links/forms/life-insurance", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "through the employer; GL.2004.223 may also be mailed to Prudential Record Keeping Services, Philadelphia", "quote": "Submit the completed form to your Benefits Administrator or Human Resources (as directed by your employer) ... Submit the completed form to Prudential or your Benefits Administrator", "account_type": "Group life (Prudential Insurance Company of America group contracts; beneficiary forms GL.2001.169 Ed. 11/2024 and GL.2004.223 Ed. 12/2016; BankUnited booklet)", "page": "", "source_url": "https://www.bankunited.com/docs/default-source/go-for-more-benefits/life-insurance-spd.pdf?sfvrsn=6ebf3452_2", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-sammons", "institution": "Sammons Financial Group (Midland National, North American)", "segment": "insurer", "account_group": "life", "account_types": [ "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trusts can be named (Certification of Trust Agreement L-3172A / 7519); a testamentary trust as sole primary needs a contingent beneficiary", "quote": "When assigning or changing a beneficiary to a trust ... If the Testamentary Trust will be the sole Primary Beneficiary we will require a Contingent Beneficiary.", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "certification asks full trust name, TIN, governing state, effective date, grantor, preparer, trustees and successor trustees", "quote": "Full Trust Name: ... Trust Effective Date (mm/dd/yyyy): ... Grantor/Settlor Name(s) (first, middle initial, last):", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "the certification required to name a trust asks the trust date and trustee names (the designation form itself is not saved)", "quote": "Full Trust Name: ... Trust Effective Date (mm/dd/yyyy): ... Trustee name (first, middle initial, last):", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.midlandnational.com/documents/35453/72102/19306Y+-+Certification+of+Trust+Agreement.pdf/bde51249-88b5-9fd5-c935-9afd0aa1d236?t=1675100832160", "form_number": "19306Y", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "Certification of Trust Agreement when a trust is named; copy of the trust on request; at claim, L-3172A and for $250,000 or more a notarized GST release (O-2797)", "quote": "When assigning or changing a beneficiary to a trust ... Please be advised that the Insurer reserves the right to request and receive a copy of the Trust documents if it determines that it is necessary to do so.", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/L-3172A_Certification+of+Trust+Agreement.pdf/796b1748-a87a-486b-8b00-a0f5d747e838?t=1683214226890", "form_number": "L3172A", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a \"surviving children\" class designation is paid on a notarized affidavit from one surviving child (North American claim instructions)", "quote": "If the beneficiary designation is surviving children, a completed and notarized Affidavit of surviving children form (O-2794)* is required from one surviving child.", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/O-2816-2_Beneficiary+Information-Instructions.pdf/062e1c89-1934-49c1-ba45-d94cd99cb5b4?t=1604591616183", "form_number": "O2816-2", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to a court-appointed guardian of the estate; otherwise held at interest until majority (North American)", "quote": "If the proceeds are payable to a minor or incompetent beneficiary, the guardian of the estate of the minor or incompetent beneficiary must complete the annuity claimant statement. ... If Legal Guardianship is not established, the Company will hold the proceeds, at interest, until the minor reaches the age of majority.", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/O-2816-2_Beneficiary+Information-Instructions.pdf/062e1c89-1934-49c1-ba45-d94cd99cb5b4?t=1604591616183", "form_number": "O2816-2", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate of the insured or policyowner (North American claim instructions)", "quote": "When no beneficiary is named, or if no beneficiary survives the insured, the proceeds are payable to the Estate of the insured or policyowner in accordance with the policy provisions.", "account_type": "Midland National and North American life insurance beneficiary (trust certification and claim documents; no designation form saved)", "page": "1", "source_url": "https://www.northamericancompany.com/documents/35457/142534/O-2816-2_Beneficiary+Information-Instructions.pdf/062e1c89-1934-49c1-ba45-d94cd99cb5b4?t=1604591616183", "form_number": "O2816-2", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-securian", "institution": "Securian Financial (Minnesota Life)", "segment": "insurer", "account_group": "life", "account_types": [ "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "Securian Legacy Account (retained asset account for claim proceeds; Beneficiary Statement F86617 disclosure)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust as primary (\"Beneficiary full name/trust name\" line)", "quote": "Primary Beneficiary: This is the individual(s), trust, charity, or estate that you want to receive the", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_contingent": { "value": "yes", "detail": "first contingent line takes a trust name and trust date", "quote": "Receives a benefit ONLY if all primary beneficiaries are no longer living. ... Beneficiary full name/trust name", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "2", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_details_required": { "value": "yes", "detail": "trust name, effective date, TIN or SSN", "quote": "Trust: Provide the trust name, effective date and tax ID or Social Security number (if applicable)", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "trust_naming_required": { "value": "yes", "detail": "trust name with date; trustee name not required", "quote": "John Smith Trust dated 01/01/20xx.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "banned_language": { "value": "yes", "detail": "no one as both primary and contingent", "quote": "The same person(s) cannot be named as both a primary and contingent beneficiary.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "minors by name or through a trust; paid to a court-appointed guardian or held until majority", "quote": "Naming Minor Children: You may name your children (by name) directly, or to a trust. Minors cannot directly receive life insurance proceeds; however, they may be paid to a court-appointed guardian or held until the minor child is legal age.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "estate may be named", "quote": "This is the individual(s), trust, charity, or estate that you want to receive the", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "default_beneficiary": { "value": "yes", "detail": "account holder's estate", "quote": "If we have no record of a beneficiary or no beneficiary is alive at your death, payment will be made to your estate.", "account_type": "Securian Legacy Account (retained asset account for claim proceeds; Beneficiary Statement F86617 disclosure)", "page": "5", "source_url": "https://bimgroup.us/wp-content/uploads/2024/05/Beneficiary-Designation-Form.pdf", "form_number": "F86617", "revision_date": "2023-06", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "predeceased share to remaining beneficiaries of the same class equally", "quote": "To receive a death benefit, a beneficiary must survive the insured. If the named beneficiary does not survive the insured, that beneficiary's portion shall be equally distributed to the remaining beneficiaries within that category.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "waiver optional for current and former community property residents; once signed, a different primary cannot be named without the spouse's consent", "quote": "you may have your spouse sign below to waive his or her rights to any community property interest in the benefit ... My spouse may withdraw this designation at any time but may not designate a different primary beneficiary without my consent.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "2", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 contingent lines (4 primary in the 8-2021 employer edition); signed and dated extra sheet", "quote": "If you need more space, attach an additional sheet of paper with all of the information required.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "esign_accepted": { "value": "no", "detail": "penned (handwritten) signature", "quote": "Insured or policyowner's penned signature", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "2", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "upload; fax; mail (F83345A); employer-stored editions go to the employer or Human Resources", "quote": "Attach and submit on: www.LifeBenefits.com/FileTransfer ... Fax to: 651-665-4827 ... Mail to: Securian Financial ... YOUR EMPLOYER STORES THE BENEFICIARY DESIGNATIONS.", "account_type": "Securian group life and AD&D (Minnesota Life / Securian Life; Beneficiary Designation F83345A 8-2021 and employer-stored F83345SA-2A)", "page": "1", "source_url": "https://web1.lifebenefits.com/content/dam/form/dcs/83345A_8-2021.pdf", "form_number": "F83345A", "revision_date": "2021-08", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "thrivent", "institution": "Thrivent (Thrivent Funds direct accounts and IRAs)", "segment": "brokerage", "account_group": "life", "account_types": [ "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "living or testamentary trust; trust beneficiaries must be eligible under Thrivent's fraternal bylaws when the claim is paid", "quote": "Inter Vivos Trust: Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN). ... Trust beneficiaries must qualify as eligible beneficiaries under the bylaws of Thrivent", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "an entity may be named in either class", "quote": "A primary beneficiary must be named. Contingent beneficiaries are optional. ... Naming an Entity (Trust/Charity/Business/Estate)", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "exact trust name plus trust date or TIN; testamentary trust by the name used in the will", "quote": "Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN). ... Provide the exact name of the trust named in the Last Will and Testament.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "exact trust name plus date or TIN; no trustee name", "quote": "Provide the exact name of the trust and the date the trust was established or Tax Identification Number (TIN).", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at claim, the trustee completes Certification of Trust 24143A (claim form 28E)", "quote": "Trustee - complete a Certification of Trust, form 24143A", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28E.pdf", "form_number": "28E", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "checkbox per beneficiary; not for spouse or parent; added with Thrivent approval", "quote": "Select this only if the beneficiary's share should pass to that person's descendants if they pass away before the insured. Per Stirpes may not be used for spouse and/or parent relationships.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "descendants of the predeceased beneficiary (natural or adopted, no step-children); form 5909A affidavit at claim", "quote": "Per Stirpes is a stipulation directing that proceeds pass to the descendants of a beneficiary if that beneficiary pre-deceases the insured. ... All provisions outlined under Group Designations will also apply to a Per Stirpes stipulation.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "children, sons, daughters, siblings, half-siblings, grandchildren, great-grandchildren, granddaughters, grandsons; natural or adopted only", "quote": "Thrivent will only approve the following Group Designations: 1) children; 2) sons; 3) daughters", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "only 11 listed group designations; per stirpes not for spouse or parent", "quote": "Thrivent will only approve the following Group Designations ... Per Stirpes may not be used for spouse and/or parent relationships.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "84", "source_url": "https://www.thrivent.com/content/start-now/files/wl19_al_packet.pdf", "form_number": "ICC18", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "yes", "detail": "section 3 of form 307 for complex, custom or attorney-drafted designations", "quote": "This section may be used to continue after more than four (4) beneficiaries have been named in section 2 or for complex/custom language or legal drafted designations.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "every designation needs Thrivent approval; unequal shares and per stirpes need approval", "quote": "This beneficiary designation is effective and revokes all previous beneficiary designations upon submission to and approval by Thrivent. ... Instead of equal shares, specific dollar or percentages are permitted with approval.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/MF307.pdf", "form_number": "MF307", "revision_date": "R10-24", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian on form; otherwise UTMA of the minor's state; Thrivent may pay an adult family member as custodian", "quote": "If any proceeds are payable to a person under age 18 at the time of claim and you did not designate a custodian, you are deemed to elect to use the state where the minor resides", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "2", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be named (\"Estate of Owner\" in the online tool)", "quote": "Naming an Entity (Trust/Charity/Business/Estate)", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "owner or owner's estate, per contract", "quote": "If no beneficiary in any CLASS survives the insured, proceeds shall be paid to the owner or owner's estate as required by your contract.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "pro rata within the class, then next class; 15-day survivorship", "quote": "If a beneficiary predeceases the insured(s), shares will be split pro rata between the remaining beneficiaries of the same CLASS. ... A beneficiary will be treated as having predeceased the insured if: 1) that beneficiary dies at the same time as the insured; or 2) within 15 days of the insured.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "community property, divorce decree requiring insurance, or marital property agreement; owner decides and holds Thrivent harmless", "quote": "Your SPOUSE's signature may be required in circumstances such as the following: ... You live or have lived in a community property state", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/28887.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "four in section 2; section 3 continuation for more", "quote": "Use this section for simple designations up to four (4) beneficiaries. ... This section may be used to continue after more than four (4) beneficiaries have been named in section 2", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/307B.pdf", "form_number": "R6-26", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online tool names individuals and trusts; form 307 for anything else", "quote": "The designation you submit via this tool will completely replace your current designation and must contain all desired primary and contingent beneficiaries.", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/update_worksheet.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online tool; paper form 307 returned to Thrivent", "quote": "download a Beneficiary Designation 307B form (PDF, 1.25MB) to complete and return ... The designation you submit via this tool will completely replace your current designation", "account_type": "Thrivent life insurance (Beneficiary Designation - Life and Annuity 307, Beneficiary Provisions 28887)", "page": "1", "source_url": "https://www.thrivent.com/files/update_worksheet.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-transamerica", "institution": "Transamerica Life Insurance Company", "segment": "insurer", "account_group": "life", "account_types": [ "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (sample wording)", "quote": "Sample Beneficiary Designations ... TRUST: John Doe Revocable Trust, dated 01/01/1999", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines have the same \"Birth or Trust Date\" and TIN fields", "quote": "Contingent beneficiary: Receives proceeds only if no primary beneficiary(ies) survives the insured. ... Birth or Trust Date", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "3", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, tax ID", "quote": "TRUST: John Doe Revocable Trust, dated 01/01/1999 ... Birth or Trust Date ... SSN or Tax ID Number", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; trustee name not asked", "quote": "TRUST: John Doe Revocable Trust, dated 01/01/1999", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "testamentary trust wording with a fallback beneficiary", "quote": "TRUSTEE UNDER LAST WILL AND TESTAMENT: Testamentary trust under the Last Will and Testament of NAME, if created under the will; otherwise", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, write \"per stirpes\" after the name", "quote": "PER STIRPES DESIGNATIONS: John Doe 50%, per stirpes and Jane Doe 50%, per stirpes", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "to the beneficiary's lineal descendants if the beneficiary is not living at claim", "quote": "A per stirpes designation will direct death benefits to lineal descendants of the beneficiary if the beneficiary is not living at the time of claim.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class of children may be named (claim needs a surviving parent's affidavit); per stirpes reaches lineal descendants", "quote": "If a group of children are designated as the beneficiary of the policy, an affidavit of a surviving parent, which gives the full names, ages, and addresses of all children surviving the deceased, needs to be provided", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "2", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/42340/TLIC04062011-NAIC.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no dollar amounts; same person cannot be primary and contingent; Florida, the agent or the agent's family member cannot be beneficiary without an insurable interest", "quote": "PERCENTAGES: Please do not specify dollar amounts. ... Primary and contingent beneficiaries cannot be the same. ... Unless the life agent or family member of the life agent has an insurable interest in the life of the insured person, he or she cannot be listed as a beneficiary.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "paid to a court-appointed guardian of the estate or conservator; no UTMA option on the form", "quote": "Any payment to a minor beneficiary shall be made to the legally appointed guardian of the estate or conservator of the minor, unless otherwise permitted by law.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "otherwise, _________________(estate, individual, etc) ... If the beneficiary is an estate, a Claimant's Statement must be completed by the administrator or executor of the estate", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per stirpes shares pass to descendants; contingents take only if no primary survives", "quote": "A per stirpes designation will direct death benefits to lineal descendants of the beneficiary if the beneficiary is not living at the time of claim. ... Contingent beneficiary: Receives proceeds only if no primary beneficiary(ies) survives the insured.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; signed attachment for more", "quote": "If additional space is needed, please write \"See attached\" on this form and attach an additional page. Please sign and date this form as well as the additional page(s).", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "2", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "no notary; a witness is required only in Massachusetts", "quote": "Witness Signature (only required in MA)", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "4", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail", "quote": "Fax Number 1-800-235-4782 ... Administrative Office located at: 4333 Edgewood Rd. NE, Cedar Rapids, IA 52499", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "7 to 10 business days for beneficiary changes on LifePro-administered policies (agent-only contact sheet)", "quote": "Owner and Beneficiary Changes ... Beneficiary and ownership changes, loan histories, premium histories", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "7", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/54852/261362IGAR3_0523_BKG%20Account%20Contact%20Sheets_IGA_D.pdf", "form_number": "261362R3", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "transamerica-401k", "institution": "Transamerica Retirement Solutions", "segment": "recordkeeper", "account_group": "life", "account_types": [ "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes (sample wording)", "quote": "Sample Beneficiary Designations ... TRUST: John Doe Revocable Trust, dated 01/01/1999", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "contingent lines have the same \"Birth or Trust Date\" and TIN fields", "quote": "Contingent beneficiary: Receives proceeds only if no primary beneficiary(ies) survives the insured. ... Birth or Trust Date", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "3", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, tax ID", "quote": "TRUST: John Doe Revocable Trust, dated 01/01/1999 ... Birth or Trust Date ... SSN or Tax ID Number", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date; trustee name not asked", "quote": "TRUST: John Doe Revocable Trust, dated 01/01/1999", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "testamentary trust wording with a fallback beneficiary", "quote": "TRUSTEE UNDER LAST WILL AND TESTAMENT: Testamentary trust under the Last Will and Testament of NAME, if created under the will; otherwise", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "yes", "detail": "yes, write \"per stirpes\" after the name", "quote": "PER STIRPES DESIGNATIONS: John Doe 50%, per stirpes and Jane Doe 50%, per stirpes", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_definition": { "value": "yes", "detail": "to the beneficiary's lineal descendants if the beneficiary is not living at claim", "quote": "A per stirpes designation will direct death benefits to lineal descendants of the beneficiary if the beneficiary is not living at the time of claim.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "a class of children may be named (claim needs a surviving parent's affidavit); per stirpes reaches lineal descendants", "quote": "If a group of children are designated as the beneficiary of the policy, an affidavit of a surviving parent, which gives the full names, ages, and addresses of all children surviving the deceased, needs to be provided", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "2", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/42340/TLIC04062011-NAIC.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no dollar amounts (percentages only); same person cannot be primary and contingent", "quote": "PERCENTAGES: Please do not specify dollar amounts. ... Primary and contingent beneficiaries cannot be the same.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to a court-appointed guardian of the estate or conservator; no UTMA option on the form", "quote": "Any payment to a minor beneficiary shall be made to the legally appointed guardian of the estate or conservator of the minor, unless otherwise permitted by law.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "otherwise, _________________(estate, individual, etc) ... If the beneficiary is an estate, a Claimant's Statement must be completed by the administrator or executor of the estate", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "per stirpes shares pass to descendants; contingents take only if no primary survives", "quote": "A per stirpes designation will direct death benefits to lineal descendants of the beneficiary if the beneficiary is not living at the time of claim. ... Contingent beneficiary: Receives proceeds only if no primary beneficiary(ies) survives the insured.", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 contingent lines; signed attachment for more", "quote": "If additional space is needed, please write \"See attached\" on this form and attach an additional page. Please sign and date this form as well as the additional page(s).", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "2", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "no notary; a witness is required only in Massachusetts", "quote": "Witness Signature (only required in MA)", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "4", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "fax; mail", "quote": "Fax Number 1-800-235-4782 ... Administrative Office located at: 4333 Edgewood Rd. NE, Cedar Rapids, IA 52499", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "1", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/44152/BEN-CCC%2002-2014%202%20Co%20FILLABLE.pdf", "form_number": "", "revision_date": "2015-10", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "7 to 10 business days for beneficiary changes on LifePro-administered policies (agent-only contact sheet)", "quote": "Owner and Beneficiary Changes ... Beneficiary and ownership changes, loan histories, premium histories", "account_type": "Transamerica Life individual life insurance (beneficiary change form BEN-CCC)", "page": "7", "source_url": "https://ani.transamerica.com/ani/Uploads/Pages/54852/261362IGAR3_0523_BKG%20Account%20Contact%20Sheets_IGA_D.pdf", "form_number": "261362R3", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-wisconsin-wrs", "institution": "Wisconsin Retirement System (Wisconsin Department of Employee Trust Funds, ETF)", "segment": "pension", "account_group": "life", "account_types": [ "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "same ET-2320 / ET-2321 rules as WRS", "quote": "You may name: ... A trust.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be secondary; the trustee should not be a primary beneficiary (name a successor trustee or contact instead)", "quote": "You may name primary and secondary beneficiaries on your beneficiary designation form. ... ETF may reject your designation if a trust is named as a secondary beneficiary and you have named as trustee a person who is named as a primary beneficiary.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full trust name listed first, trust date, trustee name followed by \"trustee\", trustee address and email; SSN or TIN column; successor trustee if owner is trustee", "quote": "The full name of the trust as it shows on the trust document. The trust's name must be listed first to show that it is the named beneficiary. ... The date the trust was created. ... The name of the trustee, followed by the word \"trustee.\" If you cannot provide a trustee, ETF may accept another contact person.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name first, creation date, trustee name followed by \"trustee\"; testamentary trust, \"created under my last will and testament\", no date", "quote": "The name of the trustee, followed by the word \"trustee.\" ... Example of an acceptable trust designation: ... The Appletree Family Revocable Trust, created May 4, 2020, Jane Smith, Trustee", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "do not send trust paperwork with the form", "quote": "If you name a trust as your beneficiary, please do not include any trust paperwork along with your beneficiary form. ETF does not need this paperwork at this time.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "subtrust name first, then main trust and its date, trustee; unnamed subtrust by beneficiary or article; testamentary trust by \"trust under article 'x' of my will\"", "quote": "subtrust for the benefit of [insert name of beneficiary[s]] or subtrust under article 'x' of my [main trust name] trust ... Davis-Dogwood Children's Trust created under the Davis-Dogwood Revocable Trust dated 01/23/2020, Jane Smith, Trustee", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class of children or grandchildren only with this exact statement; otherwise name living persons individually", "quote": "\"I also include as beneficiaries as if each were specifically and individually named herein, any and all of my natural and legally adopted children.\" ... You may substitute \"grandchildren\" for \"children\" in the above example.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "3", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no \"or\", no conditions on payment, no numbering, no margin notes, no fixed dollar amounts (percentages only); you cannot name someone else's testamentary trust", "quote": "Do not use the word \"or\" when designating multiple beneficiaries. Do not impose any conditions on payment. Your designation will be rejected. ... Do not number your beneficiaries.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "ETF form only, unaltered; extra beneficiaries on additional signed copies of the form", "quote": "Do not make any changes to the form. Your designation will be rejected. ... Do not write in the margins of the form.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "every form reviewed; acceptance letter or letter explaining rejection", "quote": "ETF staff review your form to determine whether it complies with ETF rules and Wisconsin laws. We will follow up with a confirmation letter if your beneficiary designation has been accepted.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to guardian, natural guardian or UTMA; otherwise held until 18", "quote": "You may name a minor child as a beneficiary. If the child is still a minor when you die, ETF will not pay the child directly. ETF will pay the child's court-appointed guardian, or the person providing for or caring for the child, such as the child's parent. ETF can also pay into a Uniform Transfer to Minors Account (UTMA) for the child.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate primary or secondary; no secondary if estate is primary", "quote": "You may name your estate as either primary or secondary beneficiary by writing \"Estate\" under Name. If you name your estate as a primary beneficiary, you cannot name a secondary beneficiary.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "3", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "statutory sequence, spouse or domestic partner, children (a deceased child's share to the child's issue), parents, siblings and issue of a deceased sibling, estate", "quote": "If you do not designate a beneficiary or if the designated ... beneficiaries are not living at the time of your death, the sequence of beneficiaries will be as follows: ... Surviving spouse or surviving domestic partner.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "24", "source_url": "https://etf.wi.gov/publications/et2101/direct", "form_number": "ET-2101", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share to surviving beneficiaries at the same level; with ET-2321, to the alternates named for that beneficiary; secondaries take only if all primaries (and alternates) predecease", "quote": "If one of them has died before you, the other will get the full benefit. ... If a primary beneficiary dies before you, that share will be paid to any alternate primary beneficiaries you have named.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "divorce does not revoke; file a new form", "quote": "Life changes such as marriage or divorce do not automatically change or revoke your beneficiaries that you have named on a beneficiary designation. ... To remove a former spouse as a beneficiary, you must file a new designation.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 secondary lines on ET-2320; extra signed copies of the form allowed", "quote": "If you need more space to name your beneficiaries, complete and submit extra beneficiary designation forms and clearly mark them as page 1 of 2, etc. You must sign and date each page.", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/resource/how-fill-out-beneficiary-designation-et-2320", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form only (mail or fax)", "quote": "The only way to name beneficiaries for your WRS account or your Wisconsin Public Employers Life Insurance is by completing ETF's beneficiary designation forms. ... Submit your signed form to ETF via mail or fax", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax (not to the employer)", "quote": "The form can be faxed, we do not have to have the original signed copy. ... Submit your signed form to ETF via mail or fax", "account_type": "Wisconsin Public Employers Group Life Insurance (ETF program, insured by Securian Financial)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-calpers", "institution": "California Public Employees' Retirement System (CalPERS)", "segment": "pension", "account_group": "pension", "account_types": [ "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "Post-retirement lump-sum benefits (Retired Death Benefit, Return of Remaining Contributions, temporary annuity balance) (form PERSBSD509P, PUB 98)", "Retirement payment option (lifetime monthly) beneficiary and changes after retirement (PUB 98)", "Survivor or beneficiary payee's designation for the prorated final allowance (form myCalPERS 0777)", "Nonmember (former spouse or partner with a separate CalPERS account) pre-retirement lump-sum designation (form myCalPERS 0774)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "yes", "quote": "You may designate a trust as your beneficiary; however, you must provide the name of the trust, the date of the trust, and the name and address where the trust is filed.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "a trust may be named as beneficiary; the form has primary and secondary sections (trust as secondary not addressed separately)", "quote": "You may designate a trust as your beneficiary ... Your Secondary Beneficiary Information", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "2", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, trust date, name and address of whoever holds the trust; trustee name not needed", "quote": "you must provide the name of the trust, the date of the trust, and the name and address where the trust is filed. It is not necessary to provide the name of the trustee.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date required; trustee name not needed", "quote": "you must provide the name of the trust, the date of the trust", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "not at designation; CalPERS Certification of Trust form at claim; trust EIN required for payment", "quote": "If the claim is being made by the trustee of a trust ... Certification of Trust form (required only if", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "6", "source_url": "https://www.calpers.ca.gov/documents/pre-retirement-survivor-benefits-active-inactive/download", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class of next of kin, e.g. \"grandchildren\"", "quote": "A class of next-of-kin as a group ... you can list your \"grandchildren\" or \"siblings\" ... instead of writing out individual names", "account_type": "Post-retirement lump-sum benefits (Retired Death Benefit, Return of Remaining Contributions, temporary annuity balance) (form PERSBSD509P, PUB 98)", "page": "18", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/changing-beneficiary-after-retirement.pdf", "form_number": "PERSBSD509P", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "CalPERS form only, no alterations", "quote": "Changes on the form are not acceptable unless specified on the instructions page.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "129", "source_url": "https://www.calpers.ca.gov/documents/pas-ref-guide/download?inline", "form_number": "CON-7", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "custom_review_process": { "value": "yes", "detail": "every form reviewed; confirmation letter, or a new blank form if not acceptable", "quote": "After CalPERS reviews the form, a confirmation letter will be mailed to the member generally within four weeks. If the form is not acceptable, a new form will be mailed to the member.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "129", "source_url": "https://www.calpers.ca.gov/documents/pas-ref-guide/download?inline", "form_number": "CON-7", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "minor may be paid via guardian of the estate or court order; up to $10,000 to a custodian", "quote": "proof of guardianship of the child's estate or another court order may ... Up to $10,000 may be paid to a custodian", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/documents/pre-retirement-survivor-benefits-active-inactive/download", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "probated estate only", "quote": "You may name as beneficiary any person or persons, a corporation, or your estate. Payment will be made to your estate only if probated.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse or RDP, children, parents, siblings, probated estate, trust, stepchildren, grandchildren, nieces and nephews, great-grandchildren, cousins; survivor allowances to a spouse or minor children may override a designation", "quote": "If A and B do not apply and there is no valid beneficiary designation on file at the time of death, the benefits will be payable to your survivors in the following order ... Your estate (if probated, or subject to probate); or if not ... Your trust (if one exists); or if not", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "survivor or beneficiary names own beneficiary for the final prorated payment", "quote": "This form should only be used by a survivor or beneficiary of a deceased CalPERS member to ... designate a beneficiary for the prorated allowance payment due upon their death", "account_type": "Survivor or beneficiary payee's designation for the prorated final allowance (form myCalPERS 0777)", "page": "3", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/beneficiary-designation-survivor-allowance.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to secondary beneficiaries on the primaries' death", "quote": "The benefit is paid to your named secondary beneficiary or beneficiaries upon the death of your primary beneficiary or beneficiaries.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "6", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "required unless spouse or RDP is sole primary; without consent CalPERS awards 50% of the community property share to the spouse", "quote": "If you answered yes above, your spouse or registered domestic partner must sign this beneficiary designation unless you have designated him or her as the sole primary beneficiary of any lump-sum benefits.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "4", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs an irrevocable community property waiver and a Gov. Code 21261 acknowledgment with date of marriage; no notary; Justification form if spouse cannot sign", "quote": "Otherwise, you must complete and submit the Justification for Absence of Spouse's or Registered Domestic Partner's Signature form. ... if I do sign my consent is irrevocable ... Per Government Code section 21261", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "3", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes (on the start of dissolution, also on marriage, birth or adoption, refund); a designation filed after dissolution starts is not revoked when final", "quote": "Your beneficiary designation will be revoked automatically ... The initiation of a dissolution or annulment of your marriage or of a legal termination of your ... a designation filed after the initiation of a dissolution/annulment of a marriage or of a termination of registered domestic partnership is", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "5", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 3 secondary lines; signed extra sheet, no limit stated", "quote": "To name additional primary beneficiaries, attach a blank sheet of paper with your additional beneficiary information.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "6", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/pre-retirement-lump-sum-beneficiary-designation.pdf", "form_number": "", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "myCalPERS online account or a new paper form (Public Agency and Schools Reference Guide)", "quote": "Members may designate or change beneficiaries at any time through their online account at my.calpers.ca.gov", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "129", "source_url": "https://www.calpers.ca.gov/documents/pas-ref-guide/download?inline", "form_number": "CON-7", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "notarization_or_medallion": { "value": "yes", "detail": "member's and spouse's signatures on the retirement election must be notarized or witnessed by a CalPERS representative (Disability Retirement Election Application CalPERS-1200, 12/2023; the service retirement application was not saved)", "quote": "notarized by a notary public or witnessed by a CalPERS representative", "account_type": "Retirement payment option (lifetime monthly) beneficiary and changes after retirement (PUB 98)", "page": "13", "source_url": "https://www.calpers.ca.gov/documents/disability-retirement-form/download", "form_number": "", "revision_date": "2023-12", "wayback_capture": "", "retrieved": "2026-09-25" }, "esign_accepted": { "value": "no", "detail": "paper 0772 needs a wet signature; online designation through myCalPERS is a separate route", "quote": "A wet signature is required on the form.", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "129", "source_url": "https://www.calpers.ca.gov/documents/pas-ref-guide/download?inline", "form_number": "CON-7", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "mail; fax; online", "quote": "P.O. Box 942711, Sacramento, CA 94229-2711 ... Or fax to: (800) 959-6545 ... through their online account at my.calpers.ca.gov", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "12", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/changing-beneficiary-after-retirement.pdf", "form_number": "PERSBSD509P", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "stated_processing_time": { "value": "yes", "detail": "confirmation letter generally within four weeks", "quote": "a confirmation letter will be mailed to the member generally within four weeks", "account_type": "Pre-retirement lump-sum death benefits for active and inactive members (Basic Death Benefit, return of contributions, group term life) (form myCalPERS 0772)", "page": "129", "source_url": "https://www.calpers.ca.gov/documents/pas-ref-guide/download?inline", "form_number": "CON-7", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "disclaimer_procedure": { "value": "yes", "detail": "non-spouse lifetime beneficiary may disclaim during the member's life on a notarized CalPERS form; removes the beneficiary but is not a qualifying event to name a new one", "quote": "Non-Spouse or Non-Domestic Partner Disclaimer form ... signature must be notarized and the form returned", "account_type": "Retirement payment option (lifetime monthly) beneficiary and changes after retirement (PUB 98)", "page": "12", "source_url": "https://www.calpers.ca.gov/docs/forms-publications/changing-beneficiary-after-retirement.pdf", "form_number": "PERSBSD509P", "revision_date": "2021-12", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-calstrs", "institution": "California State Teachers' Retirement System (CalSTRS)", "segment": "pension", "account_group": "pension", "account_types": [ "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "Defined Benefit option beneficiary and Defined Benefit Supplement / Cash Balance beneficiary annuity (lifetime monthly benefit)", "Payee's own recipient designation after a member's death (On-going Payee's Beneficiary Designation SB0708; Option Payee's Beneficiary Designation)", "Nonmember spouse account holder recipient designation (former spouse or partner with a separate account, form NM2031)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "person, estate, trust, corporation, charity, parochial institution or public entity", "quote": "You may name a living person, an estate, a trust", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "additional recipient pages have Primary / Secondary boxes and a Trust box", "quote": "If I survive the primary recipients, I designate the secondary recipients ... Additional Recipient or Recipients ... FULL NAME OF PERSON, TRUST OR ORGANIZATION", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full trust name, trustee name and address, trust date (required); TIN/EIN field also starred on the form", "quote": "To designate a trust, check the box ... and enter the full name of the trust ... trustee's name* and address, and the date ... If you designated a trust, did you provide the name and date the trust was created?", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust date and trustee name required", "quote": "trustee's name* and address, and the date ... DATE OF BIRTH/TRUST DATE (MM/DD/YYYY)*", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "not at designation; CalSTRS contacts the trustee at death", "quote": "Do not provide your trust document at this time ... the trustee and pay benefits to the trust", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "see_through_certification": { "value": "yes", "detail": "certifier affirms Treas. Reg. 1.401(a)(9)-4 A-5(b), irrevocability, sole benefit and 42 USC 1396p(d)(4)(A) or (C); lists all trust beneficiaries; must send corrected certifications if the trust is amended", "quote": "The requirements of paragraph (b)(1), (2), and (3) of A-5 of Section 1.401(a)(9)-4 of Title 26 of the Code of Federal Regulations are satisfied. ... The trust is irrevocable.", "account_type": "Defined Benefit option beneficiary and Defined Benefit Supplement / Cash Balance beneficiary annuity (lifetime monthly benefit)", "page": "3", "source_url": "https://www.calstrs.com/files/2aa58754c/CertificationSpecialNeedsTrust.pdf", "form_number": "SB1854", "revision_date": "2025-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "special needs trust may replace an existing option beneficiary only if that person is the trust's sole beneficiary", "quote": "you can change an existing option or annuity beneficiary to a special needs trust without penalty if the trust's sole beneficiary is the same as the previously named option or annuity beneficiary", "account_type": "Defined Benefit option beneficiary and Defined Benefit Supplement / Cash Balance beneficiary annuity (lifetime monthly benefit)", "page": "52", "source_url": "http://www.calstrs.com/files/44f960e51/MemberHandbook2026.pdf", "form_number": "", "revision_date": "2026-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each person individually with SSN and birth date (required fields)", "quote": "To designate a person or ... persons, check the box and provide full ... Social Security number,* birth date* ... We will reject your form if any required", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "enter \"My Estate\"", "quote": "To designate your estate, check ... the box and enter \"My Estate\" for the", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "estate (no designation, or all recipients predeceased)", "quote": "If I survive all of my named recipients, then any benefit payable at the time of my death will be paid to my estate ... If you did not name a one-time death benefit recipient, we'll make the payment to your estate.", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "3", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "option beneficiary names own recipient (see pen-calstrs-payee)", "quote": "Your option beneficiary may name their own recipient to ... receive any remaining accrued balance after their death", "account_type": "Defined Benefit option beneficiary and Defined Benefit Supplement / Cash Balance beneficiary annuity (lifetime monthly benefit)", "page": "109", "source_url": "http://www.calstrs.com/files/44f960e51/MemberHandbook2026.pdf", "form_number": "", "revision_date": "2026-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased or disclaiming recipient's share goes proportionally to the remaining recipients of the same class; then secondary; then estate", "quote": "If any of your primary recipients predeceases you ... designated to that recipient will be distributed proportionally to all your remaining primary recipients", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "1", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse or registered domestic partner must sign (acknowledgment) whoever is named", "quote": "If you are married or registered as a domestic partner, your spouse or partner must also sign and date your form acknowledging your recipients", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse gives SSN and birth date; Justification for Non-Signature form if spouse does not sign; no notary; missing signatures mean rejection; online the spouse signs in the same format as the member", "quote": "If your spouse or registered domestic partner does not ... sign your form, you must complete the Justification ... Failure to have the required signatures will result in the ... or partner's signature must be submitted in the same format", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes (former spouse or partner designation invalid; must re-designate after divorce to keep them); also a refund of contributions invalidates the designation", "quote": "If the dissolution judgment or termination and your death occur after January 1, 2002, the one-time death benefit recipient designation of your former spouse or registered domestic partner is invalid.", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "101", "source_url": "http://www.calstrs.com/files/44f960e51/MemberHandbook2026.pdf", "form_number": "", "revision_date": "2026-07-01", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "6 recipient sections; extra recipients on an attachment, no limit stated", "quote": "Use additional sheets if needed ... Check this box if additional recipients are listed on an attachment", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "9", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "myCalSTRS", "quote": "Complete and submit your form online using myCalSTRS for faster processing. ... Designate your one-time death benefit recipient using your", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "3", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "yes", "detail": "myCalSTRS online submission; handwritten or electronic signatures (same format for member and spouse)", "quote": "Complete and submit this form online using ... or partner's signature must be submitted in the same format", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "1", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; mail; fax; in person; overnight courier", "quote": "Complete and submit your form online using myCalSTRS ... Hand deliver your form to a local CalSTRS office ... 916-414-5783 or 916-414-5784 ... If you are using a special mailing service such as UPS or", "account_type": "Defined Benefit one-time death benefit and Cash Balance lump-sum recipient designation (Recipient Designation MS0002)", "page": "2", "source_url": "https://www.calstrs.com/files/cef98152e/OneTimeDeathBenefitCashBalanceRecipientDesignation.pdf", "form_number": "MS0002", "revision_date": "2026-01", "wayback_capture": "2026-02-04", "retrieved": "2026-09-24" } } }, { "inst_id": "frs-pension", "institution": "Florida Retirement System (FRS) Pension Plan", "segment": "recordkeeper", "account_group": "pension", "account_types": [ "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "FRS Pension Plan (defined benefit; designation at and after retirement, payment options 1 to 4 and DROP)" ], "florida": true, "fields": { "trust_primary": { "value": "yes", "detail": "yes, but a trust named by a member who dies before retirement gets only a refund of contributions", "quote": "A member may designate as beneficiary any person, organization, trust, or his or her estate ... If a member who dies prior to his or her effective date of retirement has designated a trust as his or her beneficiary, such trust shall be entitled only to a refund of the member's contributions", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "yes", "quote": "2. Contingent Beneficiary(s)", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "2", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=7348&filename=BEN-001%2007-16.pdf", "form_number": "BEN-001", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust instrument and the trustee's acceptance; identification of the natural person paid through the trust", "quote": "When a member makes a beneficiary designation involving a trust, either upon application for retirement or after retirement, he or she shall file with the Division: 1. A copy of the trust instrument; and, 2. A copy of the acceptance of the trusteeship by the trustee", "account_type": "FRS Pension Plan (defined benefit; designation at and after retirement, payment options 1 to 4 and DROP)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "a minor may be named, with benefits paid through a trust if desired; statutory default pays minors' benefits on their behalf", "quote": "An active or retired member may designate a trust as beneficiary or may designate a beneficiary whose benefits are to be paid through a trust ... the living children of the deceased member, or on their behalf if under 18 years of age", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "yes", "quote": "any person, organization, trust, or his or her estate", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "spouse, then living children, then parents, then estate (s. 121.091(8), F.S.)", "quote": "if no beneficiary is designated or if no designated beneficiary survives the member, the beneficiary shall be determined in the following order: the spouse of the deceased member; or if the spouse is not living, the living children of the deceased member ... the deceased member's father and/or mother, if living; otherwise, the legal representative of the deceased member's estate.", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "only a trustee of a trust beneficiary may designate subsequent beneficiaries; otherwise remaining benefits go to the last beneficiary's estate", "quote": "The trustee of a trust designated as beneficiary or through which benefits are to be paid to a named beneficiary shall have the right to make all applicable decisions ... and designating subsequent beneficiaries", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "web page", "source_url": "https://www.law.cornell.edu/regulations/florida/Fla-Admin-Code-Ann-R-60S-4-011", "form_number": "", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents after all primaries die; anything left goes to the last beneficiary's estate", "quote": "After the death of all primary beneficiaries, any remaining benefits are paid to the ... contingent beneficiary(s) ... After the death of all primary beneficiaries and contingent ... beneficiaries, any remaining benefits are paid to the last beneficiary's estate.", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "2", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=7348&filename=BEN-001%2007-16.pdf", "form_number": "BEN-001", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "at retirement a married member choosing option 1 or 2 (no lifetime survivor benefit) needs the spouse's acknowledgment on Form SA-1; no spousal signature on FST-12 beneficiary changes", "quote": "IF YES AND YOU SELECTED OPTION 1 OR 2, YOUR SPOUSE MUST ALSO COMPLETE BOX 2. ... acknowledge that the member has selected either Option 1 or 2.", "account_type": "FRS Pension Plan (defined benefit; designation at and after retirement, payment options 1 to 4 and DROP)", "page": "1", "source_url": "https://frs.fl.gov/forms/SA-1.pdf", "form_number": "SA-1", "revision_date": "2010-01", "wayback_capture": "2024-07-20", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs SA-1 before a Florida notary; an acknowledgment, not a consent", "quote": "Notarized Signature of Spouse ... Notary: State of Florida, County of", "account_type": "FRS Pension Plan (defined benefit; designation at and after retirement, payment options 1 to 4 and DROP)", "page": "1", "source_url": "https://frs.fl.gov/forms/SA-1.pdf", "form_number": "SA-1", "revision_date": "2010-01", "wayback_capture": "2024-07-20", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; extra copies allowed", "quote": "To designate more than two primary or contingent beneficiaries, use additional copies of this form as needed.", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "2", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=7348&filename=BEN-001%2007-16.pdf", "form_number": "BEN-001", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "yes", "quote": "Your beneficiary designation can also be securely updated by logging in to your FRS Online account.", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=7348&filename=BEN-001%2007-16.pdf", "form_number": "BEN-001", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "member signs FST-12 before a notary", "quote": "Return the notarized form to the Division of Retirement at the above address ... Member Signature (sign in the presence of a Notary)", "account_type": "FRS Pension Plan (defined benefit; designation at and after retirement, payment options 1 to 4 and DROP)", "page": "1", "source_url": "https://frs.fl.gov/forms/fst-12.pdf", "form_number": "FST-12", "revision_date": "2016-07", "wayback_capture": "2026-03-06", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail (Division of Retirement, PO Box 9000, Tallahassee); online (FRS Online)", "quote": "Return the form to the Division of Retirement at the above address ... Your beneficiary designation can also be securely updated by logging in to your FRS Online account.", "account_type": "FRS Pension Plan (defined benefit; active and terminated members, Form BEN-001)", "page": "1", "source_url": "https://www.flrules.org/gateway/readRefFile.asp?refId=7348&filename=BEN-001%2007-16.pdf", "form_number": "BEN-001", "revision_date": "2016-07", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "ins-massmutual", "institution": "Massachusetts Mutual Life Insurance Company (MassMutual)", "segment": "insurer", "account_group": "pension", "account_types": [ "MassMutual Retirement Services group pension annuity (annuitant's beneficiary data)" ], "florida": false, "fields": { "spousal_consent": { "value": "yes", "detail": "spouse must consent if not the primary beneficiary (plan annuity subject to QJSA rules)", "quote": "If you are married and choose to have someone other than your spouse as a primary beneficiary, you must have your spouse consent by signing the Waiver of Qualified Joint and Survivor Annuity form", "account_type": "MassMutual Retirement Services group pension annuity (annuitant's beneficiary data)", "page": "1", "source_url": "https://www.massmutual.com/static/path/media/forms/pension-annuity-change-bene.pdf", "form_number": "RS-30632-00", "revision_date": "", "wayback_capture": "2020-11-14", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "separate QJSA waiver form signed before a notary; form obtained by phone", "quote": "signing the Waiver of Qualified Joint and Survivor Annuity form in the presence of a Notary Public. Please contact MassMutual at 1-800-775-4331 to obtain a waiver form", "account_type": "MassMutual Retirement Services group pension annuity (annuitant's beneficiary data)", "page": "1", "source_url": "https://www.massmutual.com/static/path/media/forms/pension-annuity-change-bene.pdf", "form_number": "RS-30632-00", "revision_date": "", "wayback_capture": "2020-11-14", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 secondary lines; use an additional form for more", "quote": "If two or more primary or secondary beneficiaries are designated they may be listed on an additional Annuitant's Beneficiary Data form.", "account_type": "MassMutual Retirement Services group pension annuity (annuitant's beneficiary data)", "page": "1", "source_url": "https://www.massmutual.com/static/path/media/forms/pension-annuity-change-bene.pdf", "form_number": "RS-30632-00", "revision_date": "", "wayback_capture": "2020-11-14", "retrieved": "2026-09-24" } } }, { "inst_id": "mutual-of-america", "institution": "Mutual of America Life Insurance Company", "segment": "recordkeeper", "account_group": "pension", "account_types": [ "Mutual of America defined benefit pension plans" ], "florida": false, "fields": { "spousal_consent": { "value": "yes", "detail": "spouse must be primary; no waiver possible (older scanned form)", "quote": "Married Defined Benefit Plan Participants must designate their spouse as primary beneficiary. The spouse of a Defined Benefit Plan participant cannot waive their right to be named as primary beneficiary. ... The Spouse's Waiver is invalid for Defined Benefit Plan participants.", "account_type": "Mutual of America defined benefit pension plans", "page": "2", "source_url": "http://catholiccharitiesla.org/wp-content/uploads/MOA_Beneficiary_Designation_Form.pdf", "form_number": "6475", "revision_date": "not printed (older scanned copy)", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-nyslrs", "institution": "New York State and Local Retirement System (NYSLRS)", "segment": "pension", "account_group": "pension", "account_types": [ "NYSLRS retirement payment option beneficiary (plan booklet pages for PFRS Tier 3 Article 14 and the ERS Sheriffs special plan)" ], "florida": false, "fields": { "lapse_rule": { "value": "yes", "detail": "joint allowance, payments end at the retiree's death; pop-up, benefit rises to the Single Life Allowance", "quote": "If your beneficiary dies before you, all benefit payments will stop at your death. ... If your beneficiary dies first, your benefit will be increased to the amount you would have received if you had selected the Single Life Allowance", "account_type": "NYSLRS retirement payment option beneficiary (plan booklet pages for PFRS Tier 3 Article 14 and the ERS Sheriffs special plan)", "page": "web page", "source_url": "https://www.osc.ny.gov/retirement/publications/1644/available-options", "form_number": "", "revision_date": "", "wayback_capture": "2026-04-11", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "yes", "detail": "joint allowance and pop-up options, one beneficiary, unchangeable after retirement; five or ten year certain beneficiary may be changed", "quote": "You can designate only one beneficiary and you cannot change your designation after your retirement.", "account_type": "NYSLRS retirement payment option beneficiary (plan booklet pages for PFRS Tier 3 Article 14 and the ERS Sheriffs special plan)", "page": "web page", "source_url": "https://www.osc.ny.gov/retirement/publications/1644/available-options", "form_number": "", "revision_date": "", "wayback_capture": "2026-04-11", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "Retirement Online with the service retirement application", "quote": "You can select your payment option when you use Retirement Online to apply for a service (not disability) retirement.", "account_type": "NYSLRS retirement payment option beneficiary (plan booklet pages for PFRS Tier 3 Article 14 and the ERS Sheriffs special plan)", "page": "web page", "source_url": "https://www.osc.ny.gov/retirement/publications/1841/receiving-your-benefit-and-filing-your-option-election", "form_number": "", "revision_date": "", "wayback_capture": "2026-02-10", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "online; mail", "quote": "You can select your payment option when you use Retirement Online to apply for a service (not disability) retirement. You can also print an option election form from our Forms page and submit it by mail.", "account_type": "NYSLRS retirement payment option beneficiary (plan booklet pages for PFRS Tier 3 Article 14 and the ERS Sheriffs special plan)", "page": "web page", "source_url": "https://www.osc.ny.gov/retirement/publications/1841/receiving-your-benefit-and-filing-your-option-election", "form_number": "", "revision_date": "", "wayback_capture": "2026-02-10", "retrieved": "2026-09-25" } } }, { "inst_id": "pen-nystrs", "institution": "New York State Teachers' Retirement System (NYSTRS)", "segment": "pension", "account_group": "pension", "account_types": [ "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "NYSTRS retiree lump sum option beneficiary (RMS-5)", "NYSTRS retiree guarantee option beneficiary (RMS-5.3)", "NYSTRS survivor and pop-up survivor options (joint and survivor beneficiary fixed at retirement)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trustee of an inter vivos or testamentary trust may be named; each line checked primary or contingent", "quote": "If you designate the Trustee of an Inter Vivos Trust ... Name a trust as a beneficiary of an in-service or post-retirement (Paragraph 2) death benefit.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be primary or contingent", "quote": "If you designate the Trustee of an Inter Vivos Trust ... Provide complete information requested for each beneficiary, including whether they are primary or contingent.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "inter vivos, current trustee name and address, trust date, trust TIN (may be member's SSN); testamentary, trustee to be appointed, date of will, article/paragraph of will", "quote": "Name and address of current Trustee (this may be the member) ... Date of Birth - Date of original Trust ... Tax ID of Trust (may be member's Social Security", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trustee name and address, trust date, \"Trustee of [Name of Trust]\"", "quote": "Name and address of current Trustee (this may be the member) ... Date of Birth - Date of original Trust ... Relationship - \"Trustee of", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "at designation, complete trust copy, attorney-drafted certification or NYSTRS LEG-1; at death, System forms and an affidavit of trustee", "quote": "You will need to provide the System with a certification of trust or copy of the trust. ... The certification of trust drafted by your attorney is acceptable for NYSTRS beneficiary designations. ... Your trustee will need to provide the required System forms, as well as an affidavit of trustee.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "web page", "source_url": "https://www.nystrs.org/library/publications/legal/trust-faqs/", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "relationship line \"Trustee of [Name of Trust]\" or \"Trustee of the Testamentary Trust under [Article/Paragraph #] of my Will\"", "quote": "Relationship - \"Trustee of ... Relationship - \"Trustee of the Testamentary Trust under ... of my Will\"", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "per stirpes refused", "quote": "Stipulations (e.g. \"per stirpes\") or attachments to your designation are not acceptable.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually by full legal name; unborn children barred", "quote": "List each beneficiary separately by their full legal name. ... If you want to add a beneficiary, for example a new child, you must file a new form that includes all beneficiaries", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "stipulations such as per stirpes, attachments, numbering beneficiaries, unborn children refused; whole-number percentages only", "quote": "Stipulations (e.g. \"per stirpes\") or attachments to your designation are not acceptable. ... Do not number your beneficiaries. Numbering of beneficiaries will result in an invalid designation. ... Unborn children may not be named.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no attachments or stipulations", "quote": "Stipulations (e.g. \"per stirpes\") or attachments to your designation are not acceptable.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "UTMA custodian, one designation per minor; paid to the minor directly at majority", "quote": "If you designate a Custodian for a minor under the Uniform Transfer to Minors Act (UTMA) ... When the minor reaches the age of majority, the custodial designation will lapse and the benefit will be paid to the minor directly.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "web page", "source_url": "https://www.nystrs.org/library/publications/legal/trust-faqs/", "form_number": "", "revision_date": "", "wayback_capture": "2025-08-09", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"My Estate\"; no contingent if estate is primary", "quote": "Use the words \"My Estate\" on the beneficiary name line. No other information is needed. ... If your estate is named as primary beneficiary, do not name a contingent beneficiary.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "member's estate; invalid designation also defaults to estate", "quote": "Should I survive all named beneficiaries, any death benefit payable shall be paid to my estate. ... If your beneficiary designation is deemed invalid, we will update your beneficiary as your estate until a valid designation is filed.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "5", "source_url": "https://www.nystrs.org/NYSTRS/media/PDF/Forms/net-2.pdf", "form_number": "NET-2", "revision_date": "2025-12", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's share to surviving primaries equally; contingents only if all primaries predecease; then estate", "quote": "If more than one primary beneficiary is named, the share of any beneficiary who dies before me shall be divided equally among the surviving primary beneficiaries. ... The System will make payment to a contingent beneficiary(ies) only if all primary beneficiaries die before you do.", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "1", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes (former spouse treated as predeceased) unless the decree or a DRO provides otherwise; NYSTRS must receive written notice by registered or certified mail before payment; file a new NET-11.4 to keep the former spouse", "quote": "Chapter 173, however, now generally provides that a divorce, annulment or judicial separation revokes a member's prior designation of a former spouse as beneficiary of certain death benefits and retirement options ... In order for Chapter 173 to apply, the System must receive written notice of the divorce, annulment or judicial separation before it issues payment", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "5", "source_url": "https://www.nystrs.org/getmedia/6c4388e1-8a8a-4a3f-b0e1-00cb31c9e1da/DRO_Guide.pdf", "form_number": "NET-11", "revision_date": "", "wayback_capture": "2026-05-14", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "any number; 4 lines per form, extra forms marked \"form 1 of 2\", each signed and notarized, submitted together (NET-2 allows 3, more requires NET-11.4)", "quote": "Any number of primary and contingent beneficiaries may be named, but you must designate at least one primary beneficiary. ... If you desire more beneficiaries than can fit on one form, you must use an additional designation form", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "3", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "MyNYSTRS online or notarized NET-11.4; members with a DRO on file cannot use MyNYSTRS", "quote": "You may change your beneficiary designation(s) prior to retirement by using the Beneficiaries tab under My Retirement in your secure MyNYSTRS account or by filing a notarized paper form", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "36", "source_url": "https://www.nystrs.org/getmedia/54cfaca0-d12a-46ab-a9e0-2f788675a2cf/active-members-handbook.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-04-18", "retrieved": "2026-09-25" }, "notarization_or_medallion": { "value": "yes", "detail": "notarized signature required", "quote": "This form must be signed and acknowledged before a notary public in order to be valid", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "2", "source_url": "https://www.nystrs.org/getmedia/2d88c990-fe62-4730-b8c4-e7de5c49967e/net11-4.pdf", "form_number": "NET-11", "revision_date": "2026-04", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (MyNYSTRS); mail (registered or certified mail counts as filed on the mailing date)", "quote": "Submit a new beneficiary designation online through MyNYSTRS or send the notarized paper form ... Forms mailed to NYSTRS will be considered filed on the day they are mailed if they are mailed by registered or certified mail", "account_type": "NYSTRS in-service or post-retirement Paragraph 2 death benefit beneficiary (NET-11.4, NET-2 Part 4)", "page": "34", "source_url": "https://www.nystrs.org/getmedia/54cfaca0-d12a-46ab-a9e0-2f788675a2cf/active-members-handbook.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-04-18", "retrieved": "2026-09-25" } } }, { "inst_id": "pen-north-carolina", "institution": "North Carolina Retirement Systems (TSERS, LGERS)", "segment": "pension", "account_group": "pension", "account_types": [ "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "Firefighters' and Rescue Squad Workers' Pension Fund (Form 2FR, return of contributions and line-of-duty Survivorship Benefit)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "a living trust may be the return-of-contributions beneficiary (then no monthly Survivor's Alternate Benefit); TSERS Employer Manual 2019", "quote": "The Survivor's Alternate Benefit does not apply if he member has two or more eligible principal beneficiaries for the return of contributions living at the time of their death, if their estate or living trust is their eligible beneficiary at the time of their death", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "47", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary named individually", "quote": "You must supply the name, Social Security number and date of birth for each beneficiary listed.", "account_type": "Firefighters' and Rescue Squad Workers' Pension Fund (Form 2FR, return of contributions and line-of-duty Survivorship Benefit)", "page": "3", "source_url": "https://orbit.myncretirement.gov/Home/GenerateOrbitForm?formCode=2FR", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "refused, unborn child, pet, church, institution; no percentage allocations (equal shares only)", "quote": "Your beneficiary(ies) cannot be an unborn child, a pet, a church, or institution. ... you may not assign percentages of the Return of Contributions to any individual; the benefit will be divided equally among multiple beneficiaries.", "account_type": "Firefighters' and Rescue Squad Workers' Pension Fund (Form 2FR, return of contributions and line-of-duty Survivorship Benefit)", "page": "3", "source_url": "https://orbit.myncretirement.gov/Home/GenerateOrbitForm?formCode=2FR", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to qualified guardian, the county Clerk of Courts, or the minor at 18", "quote": "If a beneficiary is a minor, payment will be made to the qualified guardian of the minor, the Clerk of Courts in the county where the minor lives, or the minor after he/she reaches the age of majority.", "account_type": "Firefighters' and Rescue Squad Workers' Pension Fund (Form 2FR, return of contributions and line-of-duty Survivorship Benefit)", "page": "3", "source_url": "https://orbit.myncretirement.gov/Home/GenerateOrbitForm?formCode=2FR", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may be the return-of-contributions beneficiary (no Survivor's Alternate Benefit then)", "quote": "if their estate or living trust is their eligible beneficiary at the time of their death", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "47", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "Contributory Death Benefit, spouse, else legal representative; death after retirement date without Form 6E, executor picks the option and beneficiary", "quote": "If no beneficiary has been designated, the benefit will be paid to the member's spouse, or legal representative if the member is not survived by a spouse. ... if you have designated more than one beneficiary or no beneficiary for your return of contributions, the administrator or executor of your estate may select the option and name the beneficiary(ies).", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "48", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "to surviving co-beneficiaries; contingents only if all principals are deceased", "quote": "If you chose multiple co-beneficiaries and one is deceased at the time of your death, the benefit will be paid to the surviving co-beneficiary(ies).", "account_type": "Firefighters' and Rescue Squad Workers' Pension Fund (Form 2FR, return of contributions and line-of-duty Survivorship Benefit)", "page": "3", "source_url": "https://orbit.myncretirement.gov/Home/GenerateOrbitForm?formCode=2FR", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "the statute lets a retiree revoke a spouse survivor nomination (Options 2, 3, 5 or 6) after divorce and elect a new option; no automatic revocation is stated; return-of-contributions beneficiaries not addressed", "quote": "nominated his or her spouse to receive a retirement allowance upon the member's death may, after divorce from his or her spouse, revoke the nomination", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "124", "source_url": "https://www.myncretirement.com/media/3511/open", "form_number": "143B", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "yes", "detail": "one monthly survivor beneficiary under Options 2, 3, 6-2, 6-3; Guaranteed Refund, one or more, not the survivor beneficiary", "quote": "Under Options 2 and 3, the member may name only one beneficiary to receive a monthly benefit payment. ... The member may name one or more beneficiaries for the Guaranteed Refund", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "38", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "ORBIT online account (active members); survivor option beneficiary is fixed on Form 6E at retirement", "quote": "An active TSERS member may designate beneficiaries online for the employee death benefit (if applicable), or for a return of contributions in the event of the member's death.", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "18", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "Form 6ER (new spouse as survivorship beneficiary) must be notarized; online ORBIT designations need none", "quote": "Please authorize with your signature in front of a Notary. ... Improperly notarized forms will not be accepted.", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "2", "source_url": "https://orbit.myncretirement.gov/Home/GenerateOrbitForm?formCode=6ERSAMPLE", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online (ORBIT) for active members; mail for Form 6ER survivor redesignation", "quote": "To add or change a beneficiary online: ... Please submit the completed form by mail.", "account_type": "TSERS / LGERS defined benefit (return of contributions, active death benefit, survivor options, Guaranteed Refund)", "page": "18", "source_url": "https://files.nc.gov/nctreasurer/documents/files/SLGFD/LGC/LocalGovFiscalMngmt/AnnualAud/PensionAndOPEB/tsersemployermanualjan2019.pdf", "form_number": "430", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-ohio-pers", "institution": "Ohio Public Employees Retirement System (OPERS)", "segment": "pension", "account_group": "pension", "account_types": [ "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "OPERS retiree / benefit recipient lump sum death benefit (form DBO-3T)", "OPERS Single Life Plan retiree's guaranteed account remaining balance (form GA-3)", "OPERS Combined Plan retiree's guaranteed account remaining balance, defined benefit and defined contribution portions (form GA-3CO)", "OPERS joint life / multiple life plan of payment (money purchase annuity pop down MP-1PD; additional annuity pop up after divorce AAA-1PUF)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be primary; a trust receives a lump-sum refund unless qualified children are eligible for monthly benefits", "quote": "If you wish to designate a person, persons, trust, estate, or an institution as your beneficiary, you must complete Step 4 ... If you designate a trust, estate, institution or multiple", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be contingent", "quote": "Contingent Beneficiary, Estate, Trust or Institution Name", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name and trust creation date; SSN \"if applicable\"", "quote": "Birth Date or Trust Creation Date", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and creation date; no trustee name asked", "quote": "Primary Beneficiary, Estate, Trust or Institution Name ... Birth Date or Trust Creation Date", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "3", "source_url": "https://www.opers.org/forms-documents/A-3U/form/A-3U-Designation-of-Beneficiary-Form-fillable.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "yes", "detail": "copy of the trust agreement with the designation", "quote": "If you choose to designate a trust as a beneficiary, please include a copy of the trust agreement.", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate by specific designation; estate is also last in Automatic Succession", "quote": "If you wish to designate a person, persons, trust, estate, or an institution as your beneficiary", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "automatic succession (spouse, children, dependent parents, parents, estate) absent a valid specific designation (Survivor Benefits booklet)", "quote": "If, after one of these events occurs, a new designation is not submitted to us, the beneficiary will be determined by automatic succession. ... If you later become a member, automatic succession will apply unless you file a specific designation.", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "4", "source_url": "https://www.opers.org/pubs-archive/leaflets/ISL-G-Survivor-Benefits.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2026-02-23", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "contingents take only if all primaries predecease; a predeceased primary's share not otherwise addressed", "quote": "Contingent beneficiary(ies) - applies only in the event of death of ALL primary beneficiary(ies). ... Joint beneficiaries will share equal amounts of any eligible lump sum payment due unless you designate specific percentages.", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "spouse consents to the Joint Life Plan selection on MP-1PD", "quote": "I have read the plans of payment and consent to the payment plan selection.", "account_type": "OPERS joint life / multiple life plan of payment (money purchase annuity pop down MP-1PD; additional annuity pop up after divorce AAA-1PUF)", "page": "2", "source_url": "https://www.opers.org/forms-documents/MP-1PD/form/MP-1PD.pdf", "form_number": "", "revision_date": "2013-08", "wayback_capture": "2026-08-20", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "spouse signs a sworn consent before a notary", "quote": "This step must be completed by your spouse and signed in the presence of a Notary Public.", "account_type": "OPERS joint life / multiple life plan of payment (money purchase annuity pop down MP-1PD; additional annuity pop up after divorce AAA-1PUF)", "page": "2", "source_url": "https://www.opers.org/forms-documents/MP-1PD/form/MP-1PD.pdf", "form_number": "", "revision_date": "2013-08", "wayback_capture": "2026-08-20", "retrieved": "2026-09-25" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes, divorce (also marriage, legal separation, birth or adoption, refund) voids the whole specific designation; automatic succession then applies", "quote": "any of the following life events makes the specific designation invalid: marriage, divorce, dissolution of marriage, legal separation, the birth or adoption of a child, or refunding your OPERS account(s). ... If, after one of these events occurs, a new designation is not submitted to us, the beneficiary will be determined by automatic succession.", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "1", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "2 primary and 2 contingent lines; extra signed and witnessed pages allowed", "quote": "If you wish to list additional beneficiaries, use a separate piece of paper. Include all of the information requested for each beneficiary. Any additional pages must be signed by you and witnessed by the two adult witnesses", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "2", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "online or paper A-3U", "quote": "You can designate a beneficiary online through OPERS Online Account Access.", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "yes", "detail": "contributor's own signature notarized on MP-1PD and AAA-1PUF", "quote": "This step must be completed and signed in the presence of a Notary Public. ... Your signature is required and must be witnessed by a notary.", "account_type": "OPERS joint life / multiple life plan of payment (money purchase annuity pop down MP-1PD; additional annuity pop up after divorce AAA-1PUF)", "page": "1", "source_url": "https://www.opers.org/forms-documents/AAA-1PUF/instructions/AAA-1PUF_Instructions.pdf", "form_number": "", "revision_date": "2013-08", "wayback_capture": "2026-08-20", "retrieved": "2026-09-25" }, "submission_method": { "value": "yes", "detail": "online; mail", "quote": "You can designate a beneficiary online through OPERS Online Account Access. ... downloading and completing the Designation of Beneficiary form and mailing it to OPERS", "account_type": "OPERS Traditional Pension and Combined Plans (Designation of Beneficiary A-3U, pre-retirement)", "page": "4", "source_url": "https://www.opers.org/forms-documents/A-3U/instructions/A-3U-Designation-of-Beneficiary-instructions.pdf/", "form_number": "", "revision_date": "2022-10", "wayback_capture": "2026-08-20", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-ohio-strs", "institution": "State Teachers Retirement System of Ohio (STRS Ohio)", "segment": "pension", "account_group": "pension", "account_types": [ "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "STRS Ohio Combined Plan, pre-retirement beneficiary (form 16-601)", "STRS Ohio retiree designation for all STRS Ohio death benefits (form 14-102)", "STRS Ohio reemployed retiree account refund and annuity beneficiary (form 16-133)", "STRS Ohio plan of payment beneficiary at retirement (Beneficiary Information page)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "inter vivos (living) trust only; lump-sum refund only, and only if no qualified children", "quote": "If you name a trust, it must be an inter vivos trust. Only a lump-sum payment of the withdrawal value will be paid to a trust and only if there are no qualified children* eligible for monthly benefits at the time of your death.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "2024 form 16-126 has a trust section for primary and for secondary beneficiaries (earlier 2013 printing had person lines only)", "quote": "Use only if naming a trust as a secondary beneficiary.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "trust name, date of trust, trust contact name and address, percentage", "quote": "If designating a trust, include the name of the trust and the date it was created. ... Trust contact name", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name and date of trust; a trust contact (not necessarily the trustee); no \"as trustee\" wording", "quote": "If I have designated a trust as beneficiary, I confirm it is an inter vivos trust and have included the date it was created.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "per stirpes refused", "quote": "Designate beneficiaries by name. Do not designate \"per stirpes\"", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "no", "detail": "each beneficiary by full name, joined with \"and\"", "quote": "Designate beneficiaries by name. Do not designate \"per stirpes\" or \"the survivors of ...\" ... Use complete names, not initials or nicknames.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no per stirpes, no \"survivors of\", no testamentary trust, no initials or nicknames, no corrections or correction fluid (designation invalid)", "quote": "Do not designate \"per stirpes\" or \"the survivors of ...\" ... A testamentary trust cannot be named as a beneficiary.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate may take a refund if no qualified children; estate is also last in statutory succession", "quote": "A refund of your account to a named beneficiary, inter vivos trust fund or estate will be made only if there are no qualified children", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "statutory succession (spouse, qualified children, nonqualified children, dependent parent, parents, estate) with no designation, after a life event, or if no designated beneficiary survives", "quote": "If you have not previously filed a beneficiary designation, the statutory succession of beneficiaries now applies to your account. ... Nonqualified children, who share equally in a withdrawal of the STRS Ohio account ... Is not survived by a designated beneficiary.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "secondaries take only if all primaries predecease; equal shares unless percentages total 100%; statutory succession if no named beneficiary survives", "quote": "Applies only in the event of the deaths of all primary beneficiaries. ... If you do not select a percentage for each designated primary beneficiary below or the total of all designated percentages does not equal 100%, all primary beneficiaries will receive an equal share of the benefit.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "spousal_consent": { "value": "yes", "detail": "married member naming a primary other than the spouse", "quote": "If you are married and designate a primary beneficiary other than your spouse, your spouse will be required to sign, and have notarized, a spousal consent form.", "account_type": "STRS Ohio Combined Plan, pre-retirement beneficiary (form 16-601)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "spousal_consent_mechanics": { "value": "yes", "detail": "separate spousal consent form requested from STRS Ohio, signed by the spouse before a notary", "quote": "A notarized spousal consent form is required if you are married and you designate a primary beneficiary other than your spouse. Please contact STRS Ohio to request the appropriate spousal consent form.", "account_type": "STRS Ohio Combined Plan, pre-retirement beneficiary (form 16-601)", "page": "4", "source_url": "https://www.strsoh.org/_pdfs/16-600.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "divorce (also marriage, birth or adoption, legal separation, withdrawal, plan change) cancels the designation; statutory succession then applies", "quote": "I understand that this designation of beneficiaries will be canceled automatically by marriage; birth or adoption of a child; divorce, dissolution or legal separation; or withdrawal of my account", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "2", "source_url": "https://www.strsoh.org/_pdfs/forms/beneficiaries/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2015-09-16", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "3 primary and 3 secondary lines; additional sheet allowed, names joined with \"and\"", "quote": "To designate more than three primary or three secondary beneficiaries, attach a separate sheet of paper listing the additional names", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "3", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "online_designation": { "value": "yes", "detail": "Online Personal Account", "quote": "Members may also designate or change beneficiaries through their Online Personal Accounts at www.strsoh.org.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "1", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "ink signature required", "quote": "Your designation must be entirely completed in ink or typed. Your signature must be in ink. Do not print your signature.", "account_type": "STRS Ohio retiree designation for all STRS Ohio death benefits (form 14-102)", "page": "1", "source_url": "https://www.strsoh.org/_pdfs/14-102.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-07", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online; paper form returned to STRS Ohio (275 E. Broad St., Columbus; mail or delivery method not stated)", "quote": "Members may also designate or change beneficiaries through their Online Personal Accounts at www.strsoh.org. ... Return the completed form to STRS Ohio.", "account_type": "STRS Ohio Defined Benefit Plan, pre-retirement beneficiary (form 16-126)", "page": "1", "source_url": "https://www.strsoh.org/_pdfs/16-126.pdf", "form_number": "", "revision_date": "", "wayback_capture": "2024-11-06", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-trs-texas", "institution": "Teacher Retirement System of Texas (TRS)", "segment": "pension", "account_group": "pension", "account_types": [ "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "TRS Option 3 or 4 guaranteed period annuity beneficiary (TRS30D)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "video transcript, a trust or other entity may be designated for death benefits (legal advice encouraged); TRS15 itself has only person columns and no trust instructions", "quote": "If you intend to designate a trust, an organization, or your estate as your beneficiary for death benefits ... Primary beneficiaries are the people or entities who are eligible to receive death benefits payable by TRS.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/transcript_member_video_naming_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "per_stirpes_offered": { "value": "no", "detail": "no per stirpes option; written division instructions refused; joint beneficiaries share equally among survivors", "quote": "TRS will not accept stipulations or instructions you write on the form for the payment or division of benefits; TRS will pay benefits according to applicable law. ... Do not stipulate unequal portions to joint beneficiaries.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "written stipulations and unequal portions refused", "quote": "TRS will not accept stipulations or instructions you write on the form for the payment or division of benefits ... Do not stipulate unequal portions to joint beneficiaries.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "no attachments; only the TRS form", "quote": "No attachments may be made to the form.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "minor may be named; paid to surviving parent or court-appointed adult", "quote": "If you designate a minor, any benefits will be paid to the surviving parent or the court-appointed adult responsible for the minor based on the laws in the minor's state of residence.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "\"my estate\", primary or alternate; estate must be probated", "quote": "If you wish to have any benefits paid to your estate, designate \"my estate\" as beneficiary. Your estate can be named as either primary or alternate beneficiary. Your estate must be probated in some manner for TRS to pay benefits", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "surviving spouse, then statutory order of other related survivors, then estate (plan terms under Texas law)", "quote": "The law provides that in the absence of a designated beneficiary, your surviving spouse is eligible to receive the benefits ... if there is no surviving spouse, TRS will pay according to the statutory order of other related survivors or if there are none, TRS will pay your estate.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "1", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/transcript_member_video_naming_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased share to surviving co-beneficiaries equally; alternates take if all primaries predecease, waive or are ineligible; if all predecease, statutory order", "quote": "This means that if one designated beneficiary dies before you die, then any remaining surviving beneficiaries will receive equal shares of the benefits. ... In the event the primary beneficiary(ies) predeceases me, waives the benefits, or is ineligible to receive the benefits, I designate the following person(s) as my alternate beneficiary(ies)", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "1", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "revokes a pre-divorce designation of the former spouse for death and survivor benefits only if TRS receives a certified decree before paying", "quote": "A divorce will revoke your former spouse as beneficiary for some TRS benefits payable after your death if you designated that person as your beneficiary before the date of your divorce and if TRS receives a certified copy of your divorce decree before paying benefits.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "video, any number; but TRS15 has fixed lines and says no attachments may be made", "quote": "You can name as many beneficiaries as you wish, and change them anytime.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "3", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/transcript_member_video_naming_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form only (mail or fax); employer may not accept it", "quote": "To designate your beneficiary or change your beneficiary, visit the TRS website at www.trs.texas.gov to obtain a Designation of Beneficiary form. ... The completed form must be mailed to TRS at the address listed above or faxed to 512.542.6597.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "3", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/transcript_member_video_naming_beneficiary.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "notarization_or_medallion": { "value": "no", "detail": "no notary for a normal signature; witness or notary only for a mark or assisted signature", "quote": "If you are physically unable to sign your name, you may instead make a mark on the signature line in the presence of a disinterested witness or a notary.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "esign_accepted": { "value": "no", "detail": "original ink signature required", "quote": "THE TRS FORM MUST INCLUDE AN ORIGINAL SIGNATURE. TRS RECOMMENDS THAT YOU SIGN IN INK", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "2", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax (not through employer); must be received before death", "quote": "The completed form must be mailed to TRS at the address listed above or faxed to 512.542.6597. Your employer is not authorized to accept this form on your behalf.", "account_type": "TRS active member death benefit and retiree survivor benefit beneficiary (TRS15)", "page": "1", "source_url": "https://www.trs.texas.gov/sites/default/files/migrated/form_15.pdf", "form_number": "TRS15", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } }, { "inst_id": "pen-washington-drs", "institution": "Washington State Department of Retirement Systems", "segment": "pension", "account_group": "pension", "account_types": [ "PERS / TRS / SERS pension (Plans 2 and 3)", "Judicial Retirement System (JRS, closed plan) survivor option and beneficiary (JRS Plan 1 member handbook)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named (DRS MS 133 beneficiary page)", "quote": "A beneficiary is a person or entity (estate, trust, charitable organization, etc.) you choose to receive your money.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/drsms133-drsms100.pdf", "form_number": "DRSMS133", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "member may not name himself or herself; whole-number percentages totaling 100% only", "quote": "You must name at least one beneficiary. Do not name yourself. ... Use whole numbers only (no decimals or fractions).", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "1", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "minors": { "value": "yes", "detail": "minor may be named; name a custodian on the form, otherwise guardianship or waiting until 18", "quote": "If your beneficiaries include minors, the law requires additional steps to transfer funds. Failure to indicate a custodian for minor beneficiaries before your death may require guardianship proceedings", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "estate_allowed": { "value": "yes", "detail": "\"Estate of [Your First and Last Name]\" on the name line", "quote": "A beneficiary can be a person, estate or entity. ... Consider naming your estate instead of listing each person. Do this by entering", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "3", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "successor_beneficiary": { "value": "yes", "detail": "survivors and legal-order payees name their own beneficiaries on DRS MS 100", "quote": "Survivor: I am receiving a benefit from a deceased DRS member's account. ... If this money is from someone else's account, add their information here.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "2", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "lapse_rule": { "value": "yes", "detail": "predeceased primary's percentage shared equally among surviving primaries; contingents only if all primaries die", "quote": "If any beneficiaries precede me in death, share their percentages equally among the remaining primary beneficiaries. ... Contingent beneficiaries receive your account balance if all your primary beneficiaries die.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent": { "value": "yes", "detail": "married member's option choice needs spousal consent", "quote": "the law requires that you provide your spouse's consent to the benefit option you choose", "account_type": "Judicial Retirement System (JRS, closed plan) survivor option and beneficiary (JRS Plan 1 member handbook)", "page": "7", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/jrshbk.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "spousal_consent_mechanics": { "value": "yes", "detail": "written consent before a notary, in the retirement application; otherwise Option 3 (joint and 50%) to the spouse", "quote": "This consent must be in writing and must be witnessed by a notary. If consent is not provided, the law requires that an Option 3 benefit be paid with your spouse as the beneficiary.", "account_type": "Judicial Retirement System (JRS, closed plan) survivor option and beneficiary (JRS Plan 1 member handbook)", "page": "7", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/jrshbk.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "divorce_revocation_stated": { "value": "yes", "detail": "does not revoke, the survivor beneficiary cannot be changed after retirement, even after divorce", "quote": "become divorced from your beneficiary after retirement, you may not name a new beneficiary", "account_type": "Judicial Retirement System (JRS, closed plan) survivor option and beneficiary (JRS Plan 1 member handbook)", "page": "7", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/jrshbk.pdf", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-25" }, "max_beneficiaries": { "value": "no", "detail": "3 lines on DRS MS 100; extra signed sheet; no limit", "quote": "If you have additional beneficiaries, include a separate sheet with the same information as the above section, then sign and date it.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "4", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "online_designation": { "value": "yes", "detail": "online for members; retirees must use the paper form", "quote": "Most customers can skip this form and update beneficiary designations quickly online at drs.wa.gov/oaa. Retired members must update beneficiaries using this form.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "1", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" }, "esign_accepted": { "value": "no", "detail": "paper DRS MS 100 must be signed in ink (online designation in the DRS account is separate)", "quote": "Sign in ink. Electronic signatures are not accepted.", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "2", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2021/07/drsms133-drsms100.pdf", "form_number": "DRSMS133", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "online designation; paper form by mail, upload in the online account, or fax", "quote": "Print, sign and submit form pages 2-4. Choose one of the following: ... Scan completed form. Log into drs.wa.gov/oaa, select \"Upload Documents\" under \"My Documents.\"", "account_type": "PERS / TRS / SERS pension (Plans 2 and 3)", "page": "1", "source_url": "https://www.drs.wa.gov/wp-content/uploads/2026/08/drsms100.pdf", "form_number": "DRSMS100", "revision_date": "2026-08", "wayback_capture": "", "retrieved": "2026-09-25" } } }, { "inst_id": "pen-wisconsin-wrs", "institution": "Wisconsin Retirement System (Wisconsin Department of Employee Trust Funds, ETF)", "segment": "pension", "account_group": "pension", "account_types": [ "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "WRS joint and survivor annuity named survivor (lifetime continuation chosen at retirement)" ], "florida": false, "fields": { "trust_primary": { "value": "yes", "detail": "trust may be named; for the at-or-above-MRA special death benefit the trust must have a living individual beneficiary", "quote": "You may name: ... A trust. ... Your beneficiary(ies) must be one or more individual(s) or a trust in which one or more living individual(s) has a beneficiary interest.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "4", "source_url": "https://etf.wi.gov/publications/et6101/direct", "form_number": "ET-6101", "revision_date": "2026-04-23", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_contingent": { "value": "yes", "detail": "trust may be secondary; the trustee should not be a primary beneficiary (name a successor trustee or contact instead)", "quote": "You may name primary and secondary beneficiaries on your beneficiary designation form. ... ETF may reject your designation if a trust is named as a secondary beneficiary and you have named as trustee a person who is named as a primary beneficiary.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_details_required": { "value": "yes", "detail": "full trust name listed first, trust date, trustee name followed by \"trustee\", trustee address and email; SSN or TIN column; successor trustee if owner is trustee", "quote": "The full name of the trust as it shows on the trust document. The trust's name must be listed first to show that it is the named beneficiary. ... The date the trust was created. ... The name of the trustee, followed by the word \"trustee.\" If you cannot provide a trustee, ETF may accept another contact person.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_naming_required": { "value": "yes", "detail": "trust name first, creation date, trustee name followed by \"trustee\"; testamentary trust, \"created under my last will and testament\", no date", "quote": "The name of the trustee, followed by the word \"trustee.\" ... Example of an acceptable trust designation: ... The Appletree Family Revocable Trust, created May 4, 2020, Jane Smith, Trustee", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "trust_docs_requested": { "value": "no", "detail": "do not send trust paperwork with the form", "quote": "If you name a trust as your beneficiary, please do not include any trust paperwork along with your beneficiary form. ETF does not need this paperwork at this time.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "subtrust_naming_format": { "value": "yes", "detail": "subtrust name first, then main trust and its date, trustee; unnamed subtrust by beneficiary or article; testamentary trust by \"trust under article 'x' of my will\"", "quote": "subtrust for the benefit of [insert name of beneficiary[s]] or subtrust under article 'x' of my [main trust name] trust ... Davis-Dogwood Children's Trust created under the Davis-Dogwood Revocable Trust dated 01/23/2020, Jane Smith, Trustee", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "ldps_or_descendants_allowed": { "value": "yes", "detail": "class of children or grandchildren only with this exact statement; otherwise name living persons individually", "quote": "\"I also include as beneficiaries as if each were specifically and individually named herein, any and all of my natural and legally adopted children.\" ... You may substitute \"grandchildren\" for \"children\" in the above example.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "3", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "banned_language": { "value": "yes", "detail": "no \"or\", no conditions on payment, no numbering, no margin notes, no fixed dollar amounts (percentages only); you cannot name someone else's testamentary trust", "quote": "Do not use the word \"or\" when designating multiple beneficiaries. Do not impose any conditions on payment. Your designation will be rejected. ... Do not number your beneficiaries.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_designation_accepted": { "value": "no", "detail": "ETF form only, unaltered; extra beneficiaries on additional signed copies of the form", "quote": "Do not make any changes to the form. Your designation will be rejected. ... Do not write in the margins of the form.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "custom_review_process": { "value": "yes", "detail": "every form reviewed; acceptance letter or letter explaining rejection", "quote": "ETF staff review your form to determine whether it complies with ETF rules and Wisconsin laws. We will follow up with a confirmation letter if your beneficiary designation has been accepted.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "minors": { "value": "yes", "detail": "paid to guardian, natural guardian or UTMA; otherwise held until 18", "quote": "You may name a minor child as a beneficiary. If the child is still a minor when you die, ETF will not pay the child directly. ETF will pay the child's court-appointed guardian, or the person providing for or caring for the child, such as the child's parent. ETF can also pay into a Uniform Transfer to Minors Account (UTMA) for the child.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "estate_allowed": { "value": "yes", "detail": "estate primary or secondary; no secondary if estate is primary", "quote": "You may name your estate as either primary or secondary beneficiary by writing \"Estate\" under Name. If you name your estate as a primary beneficiary, you cannot name a secondary beneficiary.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "3", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "default_beneficiary": { "value": "yes", "detail": "standard sequence (Wis. Stat. 40.02(8)(a)), spouse or domestic partner, children (predeceased child's share to that child's children), parents, siblings (predeceased sibling's share to that sibling's children), estate; \"standard sequence\" may also be written in as the designation", "quote": "If you don't file a beneficiary designation with ETF, your benefits will be paid out in the order called \"standard sequence\" which is part of Wisconsin law. ... Group 1. Your surviving spouse or domestic partner. ... If there are no survivors in Groups 1 through 4, any death benefits will be paid to your estate.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "successor_beneficiary": { "value": "yes", "detail": "a beneficiary (or alternate payee) may file a designation for an account received (\"Beneficiary of:\" box)", "quote": "If you are receiving a death benefit from a WRS account, put the name of the person's account you are receiving. ... An alternate payee account plus one or more accounts as a beneficiary.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "12", "source_url": "https://etf.wi.gov/resource/how-fill-out-beneficiary-designation-et-2320", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "lapse_rule": { "value": "yes", "detail": "predeceased beneficiary's share to surviving beneficiaries at the same level; with ET-2321, to the alternates named for that beneficiary; secondaries take only if all primaries (and alternates) predecease", "quote": "If one of them has died before you, the other will get the full benefit. ... If a primary beneficiary dies before you, that share will be paid to any alternate primary beneficiaries you have named.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "divorce_revocation_stated": { "value": "yes", "detail": "divorce does not revoke; file a new form", "quote": "Life changes such as marriage or divorce do not automatically change or revoke your beneficiaries that you have named on a beneficiary designation. ... To remove a former spouse as a beneficiary, you must file a new designation.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "2", "source_url": "https://etf.wi.gov/publications/et2320/direct", "form_number": "ET-2320", "revision_date": "2026-02-20", "wayback_capture": "", "retrieved": "2026-09-24" }, "max_beneficiaries": { "value": "no", "detail": "4 primary and 4 secondary lines on ET-2320; extra signed copies of the form allowed", "quote": "If you need more space to name your beneficiaries, complete and submit extra beneficiary designation forms and clearly mark them as page 1 of 2, etc. You must sign and date each page.", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/resource/how-fill-out-beneficiary-designation-et-2320", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "online_designation": { "value": "no", "detail": "paper form only (mail or fax)", "quote": "The only way to name beneficiaries for your WRS account or your Wisconsin Public Employers Life Insurance is by completing ETF's beneficiary designation forms. ... Submit your signed form to ETF via mail or fax", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" }, "submission_method": { "value": "yes", "detail": "mail; fax (not to the employer)", "quote": "The form can be faxed, we do not have to have the original signed copy. ... Submit your signed form to ETF via mail or fax", "account_type": "WRS defined benefit retirement account (Beneficiary Designation ET-2320 / ET-2321)", "page": "web page", "source_url": "https://etf.wi.gov/retirement/wrs-retirement-benefit/death-benefits/designate-beneficiary/beneficiary-designation-form-guidelines-and-faqs", "form_number": "", "revision_date": "", "wayback_capture": "", "retrieved": "2026-09-24" } } } ], "no_public_form": [ { "inst_id": "bank2-1st-source-bank", "institution": "1st Source Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-1st-street", "institution": "1st Street Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-adventhealth", "institution": "AdventHealth Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-amalgamated-bank", "institution": "Amalgamated Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-amarillo-national-bank", "institution": "Amarillo National Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-american-savings-bank", "institution": "American Savings Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank-ameris-bank", "institution": "Ameris Bank", "segment": "bank", "florida": false }, { "inst_id": "ameritas", "institution": "Ameritas Retirement Plans", "segment": "recordkeeper", "florida": false }, { "inst_id": "flbank-anchor-bank", "institution": "Anchor Bank", "segment": "bank", "florida": true }, { "inst_id": "bank-arvest-bank", "institution": "Arvest Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-axiom-bank", "institution": "Axiom Bank, National Association", "segment": "bank", "florida": true }, { "inst_id": "bank2-b1bank", "institution": "b1BANK", "segment": "bank", "florida": false }, { "inst_id": "bank-banc-of-california", "institution": "Banc of California", "segment": "bank", "florida": false }, { "inst_id": "bank2-bancfirst", "institution": "BancFirst", "segment": "bank", "florida": false }, { "inst_id": "bank2-banco-bilbao-vizcaya-s-a", "institution": "Banco Bilbao Vizcaya Argentaria, S.A.", "segment": "bank", "florida": false }, { "inst_id": "flbank-banco-do-brasil-americas", "institution": "Banco do Brasil Americas", "segment": "bank", "florida": true }, { "inst_id": "flbank-banesco-usa", "institution": "Banesco USA", "segment": "bank", "florida": true }, { "inst_id": "bank2-bank-hapoalim-b-m", "institution": "Bank Hapoalim B.M.", "segment": "bank", "florida": false }, { "inst_id": "bank2-bank-of-baroda", "institution": "Bank of Baroda", "segment": "bank", "florida": false }, { "inst_id": "flbank-bank-of-belle-glade", "institution": "Bank of Belle Glade", "segment": "bank", "florida": true }, { "inst_id": "flbank-bank-of-central-florida", "institution": "Bank of Central Florida", "segment": "bank", "florida": true }, { "inst_id": "bank-bank-of-china", "institution": "Bank of China", "segment": "bank", "florida": false }, { "inst_id": "bank2-bank-of-colorado", "institution": "Bank of Colorado", "segment": "bank", "florida": false }, { "inst_id": "bank-bank-of-hawaii", "institution": "Bank of Hawaii", "segment": "bank", "florida": false }, { "inst_id": "bank2-bank-of-hope", "institution": "Bank of Hope", "segment": "bank", "florida": false }, { "inst_id": "flbank-bank-of-pensacola", "institution": "Bank of Pensacola", "segment": "bank", "florida": true }, { "inst_id": "bank2-bankers-trust-company", "institution": "Bankers Trust Company", "segment": "bank", "florida": false }, { "inst_id": "flbank-bankflorida", "institution": "BankFlorida", "segment": "bank", "florida": true }, { "inst_id": "flbank-bankmiami", "institution": "BankMiami", "segment": "bank", "florida": true }, { "inst_id": "bank2-bankplus", "institution": "BankPlus", "segment": "bank", "florida": false }, { "inst_id": "flcu-baptist-health-south-florida", "institution": "Baptist Health South Florida Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-barclays-bank-delaware", "institution": "Barclays Bank Delaware", "segment": "bank", "florida": false }, { "inst_id": "bank-beacon-bank-and-trust", "institution": "Beacon Bank and Trust", "segment": "bank", "florida": false }, { "inst_id": "bank2-bell-bank", "institution": "Bell Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-blue-coast", "institution": "Blue Coast Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-bmw-bank-of-north-america", "institution": "BMW Bank of North America", "segment": "bank", "florida": false }, { "inst_id": "flbank-bradesco-bank", "institution": "Bradesco Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-brannen-bank", "institution": "Brannen Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-brightstar", "institution": "BrightStar Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-broward-healthcare", "institution": "Broward Healthcare Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-burke-and-herbert-bank-and-trust-company", "institution": "Burke & Herbert Bank & Trust Company", "segment": "bank", "florida": false }, { "inst_id": "bank2-busey-bank", "institution": "Busey Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-calhoun-liberty", "institution": "Calhoun Liberty Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-centennial-bank", "institution": "Centennial Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-central-bank", "institution": "Central Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-century-bank-of-florida", "institution": "Century Bank of Florida", "segment": "bank", "florida": true }, { "inst_id": "cetera", "institution": "Cetera Financial Group (Cetera broker-dealers)", "segment": "brokerage", "florida": false }, { "inst_id": "flcu-champions-first", "institution": "Champions First Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-citizens-bank-and-trust", "institution": "Citizens Bank and Trust", "segment": "bank", "florida": true }, { "inst_id": "bank2-citizens-business-bank", "institution": "Citizens Business Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank-city-national-bank-of-florida", "institution": "City National Bank of Florida", "segment": "bank", "florida": true }, { "inst_id": "flbank-climate-first-bank", "institution": "Climate First Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-cnb-bank", "institution": "CNB Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-coastline", "institution": "Coastline Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-cogent-bank", "institution": "Cogent Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-commerce-bank-and-trust", "institution": "Commerce Bank & Trust", "segment": "bank", "florida": true }, { "inst_id": "flbank-community-bank-of-the-south", "institution": "Community Bank of the South", "segment": "bank", "florida": true }, { "inst_id": "flcu-community-of-florida", "institution": "Community Credit Union of Florida", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-community-south", "institution": "Community South Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-compass-financial", "institution": "Compass Financial Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-connect", "institution": "Connect Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-connectone-bank", "institution": "ConnectOne Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-container-mutual", "institution": "Container Mutual Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-crews-bank-and-trust", "institution": "Crews Bank & Trust", "segment": "bank", "florida": true }, { "inst_id": "bank2-cross-river-bank", "institution": "Cross River Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-cypress-bank-and-trust", "institution": "Cypress Bank & Trust", "segment": "bank", "florida": true }, { "inst_id": "da-davidson", "institution": "D.A. Davidson & Co.", "segment": "brokerage", "florida": false }, { "inst_id": "flcu-dade-county", "institution": "Dade County Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-desjardins-bank", "institution": "Desjardins Bank, National Association", "segment": "bank", "florida": true }, { "inst_id": "bank2-dime-commercial-bank", "institution": "Dime Commercial Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-dlp-bank", "institution": "DLP Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-eaglebank", "institution": "EagleBank", "segment": "bank", "florida": false }, { "inst_id": "bank-eastern-bank", "institution": "Eastern Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-eastern-national-bank", "institution": "Eastern National Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-echelon-bank", "institution": "Echelon Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-edison-national-bank", "institution": "Edison National Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-educational", "institution": "Educational Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-eglin", "institution": "Eglin Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-emerald-coast", "institution": "Emerald Coast Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-enterprise-bank-and-trust", "institution": "Enterprise Bank & Trust", "segment": "bank", "florida": false }, { "inst_id": "bank2-equity-bank", "institution": "Equity Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-everglades", "institution": "Everglades Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-evermore-bank", "institution": "Evermore Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-farmers-and-merchants-bank-of-long-beach", "institution": "Farmers and Merchants Bank of Long Beach", "segment": "bank", "florida": false }, { "inst_id": "flcu-farmers", "institution": "Farmers Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-financial-educators", "institution": "Financial Educators Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-first-american-trust-fsb", "institution": "First American Trust, FSB", "segment": "bank", "florida": false }, { "inst_id": "flbank-first-bank", "institution": "First Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-first-bank", "institution": "First Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-first-colony-bank-of-florida", "institution": "First Colony Bank of Florida", "segment": "bank", "florida": true }, { "inst_id": "flcu-first-commerce", "institution": "First Commerce Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-first-federal-bank", "institution": "First Federal Bank", "segment": "bank", "florida": true }, { "inst_id": "bank-first-financial-bank", "institution": "First Financial Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-first-financial-bank", "institution": "First Financial Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-first-florida", "institution": "First Florida Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-first-hawaiian-bank", "institution": "First Hawaiian Bank", "segment": "bank", "florida": false }, { "inst_id": "bank-first-interstate-bank", "institution": "First Interstate Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-first-merchants-bank", "institution": "First Merchants Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-first-mid-bank-and-trust", "institution": "First Mid Bank & Trust, National Association", "segment": "bank", "florida": false }, { "inst_id": "flbank-first-national-bank-of-pasco", "institution": "First National Bank of Pasco", "segment": "bank", "florida": true }, { "inst_id": "bank-first-national-bank-of-pennsylvania", "institution": "First National Bank of Pennsylvania", "segment": "bank", "florida": false }, { "inst_id": "flbank-first-national-bank-of-wauchula", "institution": "First National Bank of Wauchula", "segment": "bank", "florida": true }, { "inst_id": "bank2-first-security-bank", "institution": "First Security Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-first-state-bank", "institution": "First State Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-first-united-bank-and-trust-company", "institution": "First United Bank and Trust Company", "segment": "bank", "florida": false }, { "inst_id": "flbank-flagship-bank", "institution": "Flagship Bank", "segment": "bank", "florida": true }, { "inst_id": "bank-flagstar-bank", "institution": "Flagstar Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "flcu-florida-a-m-university", "institution": "Florida A&M University Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-florida-capital-bank", "institution": "Florida Capital Bank, National Association", "segment": "bank", "florida": true }, { "inst_id": "flcu-florida-customs", "institution": "Florida Customs Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-fnbt-bank", "institution": "FNBT BANK", "segment": "bank", "florida": true }, { "inst_id": "flbank-gala-bank", "institution": "Gala Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-german-american-bank", "institution": "German American Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-gold-coast", "institution": "Gold Coast Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "cu-golden1", "institution": "Golden 1 Credit Union", "segment": "credit_union", "florida": false }, { "inst_id": "cu-greenstate", "institution": "GreenState Credit Union", "segment": "credit_union", "florida": false }, { "inst_id": "flbank-grove-bank-and-trust", "institution": "Grove Bank & Trust", "segment": "bank", "florida": true }, { "inst_id": "flcu-guardians", "institution": "Guardians Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-gulf-atlantic-bank", "institution": "Gulf Atlantic Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-gulf-coast-business-bank", "institution": "Gulf Coast Business Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-gulfside-bank", "institution": "Gulfside Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-harvesters", "institution": "Harvesters Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-hello", "institution": "Hello Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-heritage-bank", "institution": "Heritage Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-hialeah-municipal-employees", "institution": "Hialeah Municipal Employees Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "human-interest", "institution": "Human Interest", "segment": "recordkeeper", "florida": false }, { "inst_id": "flbank-interamerican-bank-a-fsb", "institution": "Interamerican Bank, A FSB", "segment": "bank", "florida": true }, { "inst_id": "flbank-international-finance-bank", "institution": "International Finance Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-intracoastal-bank", "institution": "Intracoastal Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-israel-discount-bank-of-new-york", "institution": "Israel Discount Bank of New York", "segment": "bank", "florida": false }, { "inst_id": "flcu-jackson-county-1st", "institution": "Jackson County 1st Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-jefferson-county-teachers", "institution": "Jefferson County Teachers Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-jetstream", "institution": "Jetstream Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-lafayette-state-bank", "institution": "Lafayette State Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-lake-city-bank", "institution": "Lake City Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-lake-forest-bank-and-trust-company", "institution": "Lake Forest Bank & Trust Company, National Association", "segment": "bank", "florida": false }, { "inst_id": "cu-lmcu", "institution": "Lake Michigan Credit Union", "segment": "credit_union", "florida": false }, { "inst_id": "bank2-liberty-bank", "institution": "Liberty Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-live-oak-banking-company", "institution": "Live Oak Banking Company", "segment": "bank", "florida": false }, { "inst_id": "flcu-local-606-electrical-workers", "institution": "Local 606 Electrical Workers Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-locality-bank", "institution": "Locality Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-loyalty", "institution": "Loyalty Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-madison-county-community-bank", "institution": "Madison County Community Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-madison-education-assoc", "institution": "Madison Education Association Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-mainstreet-community-bank-of-florida", "institution": "Mainstreet Community Bank of Florida", "segment": "bank", "florida": true }, { "inst_id": "flbank-marine-bank-and-trust-company", "institution": "Marine Bank & Trust Company", "segment": "bank", "florida": true }, { "inst_id": "flcu-memorial-employees-financial", "institution": "Memorial Employees Financial Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-merchants-bank-of-indiana", "institution": "Merchants Bank of Indiana", "segment": "bank", "florida": false }, { "inst_id": "bank2-merrick-bank", "institution": "Merrick Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-metro-north", "institution": "Metro North Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-miami", "institution": "Miami Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-monroe-county-teachers", "institution": "Monroe County Teachers Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "moomoo", "institution": "Moomoo Financial Inc.", "segment": "brokerage", "florida": false }, { "inst_id": "bank-morgan-stanley-bank", "institution": "Morgan Stanley Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "cu-mountain-america", "institution": "Mountain America Credit Union", "segment": "credit_union", "florida": false }, { "inst_id": "flbank-natbank", "institution": "Natbank, National Association", "segment": "bank", "florida": true }, { "inst_id": "bank2-nbh-bank", "institution": "NBH Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-nbt-bank", "institution": "NBT Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank2-needham-bank", "institution": "Needham Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-nexbank", "institution": "NexBank", "segment": "bank", "florida": false }, { "inst_id": "bank2-nicolet-national-bank", "institution": "Nicolet National Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-northwest-bank", "institution": "Northwest Bank", "segment": "bank", "florida": false }, { "inst_id": "northwestern-mutual", "institution": "Northwestern Mutual Investment Services", "segment": "brokerage", "florida": false }, { "inst_id": "flcu-ocala-community", "institution": "Ocala Community Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-ocean-bank", "institution": "Ocean Bank", "segment": "bank", "florida": true }, { "inst_id": "bank-oceanfirst-bank", "institution": "OceanFirst Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "flcu-okaloosa-county-teachers", "institution": "Okaloosa County Teachers Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "oneamerica", "institution": "OneAmerica Retirement Services (acquired by Voya, 2025)", "segment": "recordkeeper", "florida": false }, { "inst_id": "oppenheimer", "institution": "Oppenheimer & Co. Inc.", "segment": "brokerage", "florida": false }, { "inst_id": "flbank-optimumbank", "institution": "OptimumBank", "segment": "bank", "florida": true }, { "inst_id": "bank2-oriental-bank", "institution": "Oriental Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-origin-bank", "institution": "Origin Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-orlando", "institution": "Orlando Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "osaic", "institution": "Osaic (formerly Advisor Group)", "segment": "brokerage", "florida": false }, { "inst_id": "flbank-pacific-national-bank", "institution": "Pacific National Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-panhandle", "institution": "Panhandle Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-paradise-bank", "institution": "Paradise Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-peapack-private-bank-and-trust", "institution": "Peapack Private Bank & Trust", "segment": "bank", "florida": false }, { "inst_id": "bank2-peoples-bank", "institution": "Peoples Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-peoples-bank-of-graceville", "institution": "Peoples Bank of Graceville", "segment": "bank", "florida": true }, { "inst_id": "flcu-pinellas", "institution": "Pinellas Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-pinnacle-bank", "institution": "Pinnacle Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-pinnacle-bank", "institution": "Pinnacle Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-pnb-community-bank", "institution": "PNB Community Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-pompano-beach-city-emp", "institution": "Pompano Beach City Employees Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-poppy-bank", "institution": "Poppy Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-popular-bank", "institution": "Popular Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-portrait-bank", "institution": "Portrait Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-power-financial", "institution": "Power Financial Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-powernet", "institution": "PowerNet Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-preferred-bank", "institution": "Preferred Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-prime-meridian-bank", "institution": "Prime Meridian Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-principal-bank", "institution": "Principal Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-priority", "institution": "Priority Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-priorityone-of-florida", "institution": "PriorityOne Credit Union of Florida", "segment": "credit_union", "florida": true }, { "inst_id": "bank-prosperity-bank", "institution": "Prosperity Bank", "segment": "bank", "florida": false }, { "inst_id": "bank-raymond-james-bank", "institution": "Raymond James Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-rbc-bank-georgia", "institution": "RBC Bank, (Georgia) National Association", "segment": "bank", "florida": false }, { "inst_id": "bank-renasant-bank", "institution": "Renasant Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-safra-national-bank-of-new-york", "institution": "Safra National Bank of New York", "segment": "bank", "florida": false }, { "inst_id": "flcu-san-antonio-citizens", "institution": "San Antonio Citizens Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-sanibel-captiva-community-bank", "institution": "Sanibel Captiva Community Bank", "segment": "bank", "florida": true }, { "inst_id": "bank2-servisfirst-bank", "institution": "ServisFirst Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-shaw-ross-employees", "institution": "Shaw-Ross Employees Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-sofi-bank", "institution": "SoFi Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "flcu-south-atlantic", "institution": "South Atlantic Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-southernmost", "institution": "Southernmost Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-standard-chartered-bank-plc", "institution": "STANDARD CHARTERED BANK, PLC", "segment": "bank", "florida": false }, { "inst_id": "bank2-state-bank-of-india", "institution": "State Bank of India", "segment": "bank", "florida": false }, { "inst_id": "bank2-stellar-bank", "institution": "Stellar Bank", "segment": "bank", "florida": false }, { "inst_id": "bank-stifel-bank-and-trust", "institution": "Stifel Bank and Trust", "segment": "bank", "florida": false }, { "inst_id": "bank2-stock-yards-bank-and-trust-company", "institution": "Stock Yards Bank & Trust Company", "segment": "bank", "florida": false }, { "inst_id": "bank2-sunflower-bank", "institution": "Sunflower Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "flbank-sunrise-bank", "institution": "Sunrise Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-sunstate-bank", "institution": "Sunstate Bank", "segment": "bank", "florida": true }, { "inst_id": "flbank-surety-bank", "institution": "Surety Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-suwannee-river", "institution": "Suwannee River Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "ins-symetra", "institution": "Symetra Life Insurance Company", "segment": "insurer", "florida": false }, { "inst_id": "flcu-tampa-postal", "institution": "Tampa Postal Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-tcm-bank", "institution": "TCM Bank, National Association", "segment": "bank", "florida": true }, { "inst_id": "bank-td-bank-usa", "institution": "TD Bank USA, National Association", "segment": "bank", "florida": false }, { "inst_id": "cu-teachers-fcu", "institution": "Teachers Federal Credit Union", "segment": "credit_union", "florida": false }, { "inst_id": "flbank-terrabank", "institution": "Terrabank, National Association", "segment": "bank", "florida": true }, { "inst_id": "bank-texas-capital-bank", "institution": "Texas Capital Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-the-bancorp-bank", "institution": "The Bancorp Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "flbank-the-bank-of-tampa", "institution": "The Bank of Tampa", "segment": "bank", "florida": true }, { "inst_id": "bank2-the-central-trust-bank", "institution": "The Central Trust Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-the-first-national-bank-of-mount-dora", "institution": "The First National Bank of Mount Dora", "segment": "bank", "florida": true }, { "inst_id": "bank2-the-park-national-bank", "institution": "The Park National Bank", "segment": "bank", "florida": false }, { "inst_id": "flbank-the-warrington-bank", "institution": "The Warrington Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-t-m-h", "institution": "TMH Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-tompkins-bank-and-trust", "institution": "Tompkins Bank & Trust", "segment": "bank", "florida": false }, { "inst_id": "bank-townebank", "institution": "TowneBank", "segment": "bank", "florida": false }, { "inst_id": "bank2-toyota-financial-savings-bank", "institution": "Toyota Financial Savings Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-transport", "institution": "Transport Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-tristate-capital-bank", "institution": "TriState Capital Bank", "segment": "bank", "florida": false }, { "inst_id": "bank2-trustmark-bank", "institution": "Trustmark Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-tyndall", "institution": "Tyndall Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-u-s-century-bank", "institution": "U. S. Century Bank", "segment": "bank", "florida": true }, { "inst_id": "bank-ubs-bank-usa", "institution": "UBS Bank USA, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank-umb-bank", "institution": "UMB Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank2-union-bank-and-trust-company", "institution": "Union Bank and Trust Company", "segment": "bank", "florida": false }, { "inst_id": "flcu-unity-of-eatonville", "institution": "Unity of Eatonville Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flcu-university", "institution": "University Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-univest-bank-and-trust-co", "institution": "Univest Bank and Trust Co.", "segment": "bank", "florida": false }, { "inst_id": "flcu-velocity-community", "institution": "Velocity Community Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "cu-vystar", "institution": "VyStar Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank-wafd-bank", "institution": "WaFd Bank", "segment": "bank", "florida": false }, { "inst_id": "flcu-walton-county-teachers", "institution": "Walton County Teachers Federal Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "flbank-waterfall-bank", "institution": "Waterfall Bank", "segment": "bank", "florida": true }, { "inst_id": "flcu-we-florida-financial", "institution": "We Florida Financial Credit Union", "segment": "credit_union", "florida": true }, { "inst_id": "bank2-wex-bank", "institution": "WEX Bank", "segment": "bank", "florida": false }, { "inst_id": "hsa-wex", "institution": "WEX Health HSA", "segment": "hsa", "florida": false }, { "inst_id": "bank-wilmington-savings-fund-society", "institution": "Wilmington Savings Fund Society, FSB", "segment": "bank", "florida": false }, { "inst_id": "bank2-wintrust-bank", "institution": "Wintrust Bank, National Association", "segment": "bank", "florida": false }, { "inst_id": "bank2-woodforest-national-bank", "institution": "Woodforest National Bank", "segment": "bank", "florida": false } ] }