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Fidelity Beneficiaries – Annuities, page 1
Basic · 40/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

This form allows annuity contract owners to designate or update the individuals, trusts, or entities (beneficiaries) who will receive the contract's assets upon the owner's death. It is specifically for Fidelity annuity contracts and Brighthouse Growth and Income annuity contracts. Using this form ensures that your assets are distributed according to your wishes. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields59
Pages2
Form Complexity IndexBasic, 40/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Ensures at least one Annuity Contract Number is provided

This check verifies that at least one of the six available 'Annuity Contract Number' fields in Section 2 has been filled out. It is critical to identify which contract(s) the beneficiary changes apply to. If no contract number is provided, the form cannot be processed as the subject of the changes is unknown.

Validates Primary Beneficiary Share Percentages Sum to 100%

This validation confirms that the sum of all values entered in the 'Share Percentage' fields for primary beneficiaries equals exactly 100%. This is crucial for ensuring the complete and unambiguous allocation of contract assets. If the total is not 100%, the form is considered in-good-order and will be rejected, as it would lead to ambiguity in asset distribution upon the owner's death.

Validates Contingent Beneficiary Share Percentages Sum to 100%

This check ensures that the 'Share Percentage' fields for all listed contingent beneficiaries add up to exactly 100%. Contingent beneficiaries only inherit if all primary beneficiaries are deceased, and their shares must also be clearly defined. A failure in this validation would result in an invalid designation and rejection of the form.

Verifies Contract Owner Signature and Date are Present

This check confirms that the 'CONTRACT OWNER SIGNATURE' and 'DATE' fields in Section 4 are both completed. The owner's signature is a legal requirement to authorize the beneficiary changes, and the date establishes when the authorization was made. An unsigned or undated form is legally invalid and will be rejected immediately.

Requires Joint Owner Signature if Applicable

This validation checks if a 'Joint Contract Owner' is named in Section 1, and if so, confirms that their corresponding signature and date are provided in Section 4. The form explicitly states that ALL owners must sign to authorize changes. Failure to obtain the joint owner's signature will render the beneficiary designation invalid and cause the form to be rejected.

Validates SSN/TIN Format for Beneficiaries

This check ensures that the 'Social Security or Taxpayer ID Number' for each beneficiary is entered in a valid format (e.g., XXX-XX-XXXX for SSN or XX-XXXXXXX for TIN). This number is essential for tax reporting and proper identification of the beneficiary. An incorrectly formatted number can cause significant processing delays and potential tax compliance issues for the beneficiary.

And 6 more checks
  • Validates Beneficiary Date of Birth or Trust Date
  • Prevents Entry of New Beneficiaries if 'Keep' Box is Checked
  • Ensures Completeness of Information for Each Listed Beneficiary
  • Restricts 'Per Stirpes' Designation to Non-Entity Beneficiaries
  • Verifies Sole Beneficiary Consistency
  • Prevents Duplicate Primary and Contingent Beneficiaries

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How to Fill Out 1.9865752.108 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Fidelity Beneficiaries – Annuities form.
  2. Provide the contract owner's name, phone number, and joint owner information if applicable.
  3. List all annuity contract numbers that these beneficiary designations will apply to.
  4. Enter the full details for each primary beneficiary, including their name, relationship, share percentage, and contact information. Check the 'per stirpes' box if you want their share to pass to their descendants.
  5. Input the information for any contingent beneficiaries who would inherit if all primary beneficiaries are deceased.
  6. Carefully review all the information you've entered to ensure accuracy and that the share percentages total 100% for both primary and contingent groups.
  7. All contract owners must sign and date the form to finalize and authorize the beneficiary changes.

Common Mistakes in Completing 1.9865752.108

The ones the AI is built to catch.

Incorrect Share Percentage Calculation
A frequent error is when the share percentages for primary or contingent beneficiaries do not add up to exactly 100%. This simple math mistake will cause the form to be rejected, delaying the entire beneficiary update process. To avoid this, carefully double-check that the percentages in each section sum to 100% before submission. AI-powered form-filling tools like Instafill.ai can prevent this by automatically validating the totals as you enter them.
Missing Joint Owner or Trustee Signature
The form requires signatures from ALL contract owners, which includes any joint owners or all trustees of a trust. Forgetting to obtain a required signature is a critical error that invalidates the form, leaving your old beneficiary designations in place. Always verify the contract ownership on a recent statement and ensure every required party signs and dates the form in Section 4.
Incomplete Beneficiary Information
People often omit critical information for a beneficiary, such as their Social Security Number (SSN), Taxpayer ID Number (TIN), or full Date of Birth. This information is essential for proper identification and processing of the death benefit. Leaving these fields blank will lead to processing delays and may cause significant complications for your heirs when they try to claim the assets.
Using the Form for the Wrong Account Type
This form is specifically for Fidelity or Brighthouse annuity contracts and explicitly states it is NOT for other accounts like IRAs, Keogh plans, or standard brokerage accounts. Submitting this form for the wrong account type means your request will be disregarded, and your beneficiaries will not be updated. Always confirm the form's purpose in the header to ensure it matches your account.
Forgetting to List All Applicable Contract Numbers
If you own multiple annuity contracts, you must list every contract number you wish to update in Section 2. A common oversight is forgetting to include all relevant numbers, which results in the new beneficiary designations being applied only to the listed contracts. The unlisted contracts will retain their old, potentially outdated beneficiaries, which may not reflect your current wishes.
Misunderstanding the 'Per Stirpes' Designation
The 'Per stirpes' option is a legal term that is often misunderstood, leading to unintended consequences for asset distribution. Checking this box means a deceased beneficiary's share will pass down to their direct descendants; not checking it means their share is redistributed among the other surviving beneficiaries. Incorrectly using this option can fundamentally alter who inherits your assets, so it is vital to understand its meaning or consult an advisor.
Confusing Primary and Contingent Beneficiaries
A significant error is listing beneficiaries in the wrong section, such as placing a backup heir in the 'Primary Beneficiaries' section. Primary beneficiaries are first in line to inherit, while contingent beneficiaries only inherit if all primary beneficiaries are deceased. This mistake can improperly alter the intended order of inheritance and may lead to disputes or legal challenges.
Ignoring Contract-Specific Beneficiary Rules
The form includes special instructions in Section 3 for certain contract types, such as requiring a spouse to be the 'sole primary beneficiary' for the contract to continue. Overlooking these specific rules can invalidate your designation or prevent your heirs from accessing important contract features. Carefully read all notes and bullet points to ensure your choices comply with the requirements for your specific annuity.
Providing Contradictory Instructions on the Form
The form includes a checkbox to 'Keep the...beneficiary designations already in place.' A common mistake is checking this box while also filling out the fields with new beneficiary information. This creates a direct contradiction that makes your intent unclear, forcing the form to be rejected pending clarification. You must either check the box and leave the section blank, or leave the box unchecked and list your new beneficiaries.
Illegible Handwriting Leading to Data Errors
Since this form is a non-fillable PDF, it must be printed and filled out by hand, often leading to illegible entries for names, addresses, or ID numbers. Poor handwriting can cause data entry errors by the processing agent or lead to the form being rejected entirely. To ensure clarity, use a tool like Instafill.ai that can convert the PDF into a fillable version, allowing you to type your information before printing for a clean, error-free submission.

Frequently Asked Questions About 1.9865752.108

 

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1.9865752.108 has a Form Complexity Index of 40 out of 100, in the basic tier: 59 fillable fields across 2 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of this 'Beneficiaries – Annuities' form?
This form is used to add or change the beneficiaries for your Fidelity annuity contract or your Brighthouse Growth and Income annuity contract. It is not for use with other accounts like IRAs or retirement plans.
Can I use this form for my Fidelity IRA or brokerage account?
No, this form is exclusively for Fidelity and Brighthouse annuity contracts. You must use a different beneficiary designation form for non-annuity accounts like IRAs, Keogh plans, or non-retirement accounts.
What information do I need to provide for each beneficiary?
For each beneficiary, you must provide their full name, address, relationship to you, share percentage, and their Social Security or Taxpayer ID Number. You also need their date of birth or the date the trust was established.
What is the difference between a primary and a contingent beneficiary?
Primary beneficiaries are the first people or entities to receive the annuity assets upon your death. Contingent beneficiaries will only receive the assets if all of the primary beneficiaries are no longer living when you pass away.
What does it mean to check the 'per stirpes' box?
Checking 'per stirpes' means that if a beneficiary predeceases you, their designated share will be passed down and divided equally among their legal descendants, such as their children. This option is not applicable for trust or estate beneficiaries.
I have multiple annuity contracts. Can I use just one form?
Yes, you can list all applicable contract numbers in Section 2 if you want the same beneficiaries for all of them. However, if you want different beneficiaries for different contracts, you must fill out a separate copy of this form for each.
Who is required to sign the form in Section 4?
All contract owners must sign and date the form. If the contract is jointly owned, both owners must sign, and if it is owned by a trust, all trustees are required to sign.
Where do I send the completed and signed form?
You must mail the entire form to the Annuity Service Center address provided on the last page. Be sure to use the correct address, as there are different ones for regular mail (NY vs. other states) and overnight mail.
How will I know that my beneficiary changes have been made?
After your form is received and the changes are processed, Fidelity will mail you a 'Revised Annuity Profile' to confirm the update to your beneficiary designations.
What happens if I list beneficiaries but don't assign share percentages?
If you do not specify any percentages, the assets will be divided equally among the primary beneficiaries who are living at the time of your death. The same rule applies to contingent beneficiaries if no primary beneficiaries survive you.
My annuity is owned by a trust. How should I designate the beneficiary?
For Fidelity-issued trust-owned annuities, the owning trust must be listed as the sole beneficiary on the form. You cannot list individual people as beneficiaries in this case.
Can AI tools help me fill out this form?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your personal and beneficiary information. This can save you time and help prevent common errors.
How can I use Instafill.ai to complete this form online?
Simply upload the PDF form to the Instafill.ai platform. Its AI will make the form fillable online, allowing you to quickly populate your information before printing the completed document for signature.
The PDF I have is not fillable on my computer. What should I do?
You can use a service like Instafill.ai, which can convert flat, non-fillable PDFs into interactive forms you can type into directly. Alternatively, you can print the form and fill it out by hand using capital letters and black ink.
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