Yes! You can use AI to fill out Fidelity Investments Qualified Plan Beneficiary Designation
The Fidelity Qualified Plan Beneficiary Designation form is a crucial document for specifying who will inherit your qualified retirement plan assets. This particular version is for plans that do not require spousal consent, allowing you to designate primary and contingent beneficiaries and allocate specific percentages to each. Completing this form ensures your assets are distributed according to your wishes and replaces any previous designations on file. 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.
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Form specifications
| Form name: | Fidelity Investments Qualified Plan Beneficiary Designation |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out 5VFITSRPE001L Online for Free in 2026
Are you looking to fill out a 5VFITSRPE001L form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your 5VFITSRPE001L form in just 37 seconds or less.
Follow these steps to fill out your 5VFITSRPE001L form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Qualified Plan Beneficiary Designation form or select it from their template library.
- 2 Use the AI assistant to automatically fill in your personal information, such as your full name, Social Security Number, date of birth, and contact details.
- 3 In the Primary Beneficiary section, specify the names, relationship, and percentage of assets for each person or trust you designate.
- 4 In the Contingent Beneficiary section, enter the details for those who would inherit if your primary beneficiaries are no longer living, ensuring the percentages total 100%.
- 5 Carefully review all the information pre-filled by the AI for accuracy, paying close attention to names, social security numbers, and allocation percentages.
- 6 Electronically sign and date the form in the authorization section to certify your designations.
- 7 Download the completed, signed document and submit it to Fidelity Investments following the mailing instructions provided on the form.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form 5VFITSRPE001L
This form is used to officially name the person(s) or trust(s) who will receive the assets from your qualified plan account upon your death. This designation directs Fidelity on how to distribute your account balance.
You should use this form if you have a qualified plan with Fidelity and your specific plan does not require your spouse's consent to name a beneficiary. If spousal consent is required, you will need a different form.
A primary beneficiary is the first person or entity in line to receive your assets. A contingent beneficiary will only receive the assets if all of your primary beneficiaries are no longer living at the time of your death.
For each individual beneficiary, you will need their full name, Social Security Number, and date of birth. If designating a trust, you will need the trust's name, Trust ID number, and the date the trust was created.
You must assign a whole percentage to each beneficiary within a group (primary or contingent), and the total for that group must add up to 100%. For example, if you have two primary beneficiaries, you could assign 50% to each.
If a primary beneficiary predeceases you, their share will be divided among the surviving primary beneficiaries in proportion to the percentages you originally selected for them. It will not pass to the contingent beneficiaries unless all primary beneficiaries are deceased.
If you wish to name more than two primary or contingent beneficiaries, list the additional individuals or trusts on a separate piece of paper. You must sign and date this separate paper and attach it to the form.
No, the form states that your primary beneficiary cannot also be your contingent beneficiary. You must name different individuals or entities for each role.
You can mail the form to Fidelity Investments, P.O. Box 770002, Cincinnati, OH 45277-0090. For overnight service, send it to Fidelity Investments, Mailzone KC1E, 100 Crosby Parkway, Covington, KY 41015.
To change your beneficiary designation, you must complete and submit a new Beneficiary Designation Form to Fidelity. This new form will automatically revoke and replace all previous designations on file for your account.
No, this specific form is explicitly for plans that DO NOT require spousal consent. Therefore, your spouse's signature is not needed to validate your beneficiary choices.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields with your personal information, which can save time and help prevent errors. This is especially useful for repetitive information like your name and address.
Simply upload the PDF of the form to the Instafill.ai platform. The service will make the document fillable online, allowing you to securely enter your information and your beneficiaries' details before downloading the completed form for printing and signing.
If you have a non-fillable or 'flat' PDF, you can use a service like Instafill.ai to convert it into an interactive form. This allows you to type your information directly into the fields instead of having to print and fill it out by hand.
Compliance 5VFITSRPE001L
Validation Checks by Instafill.ai
1
Ensures Primary Beneficiary Percentages Sum to 100%
This check verifies that the sum of the percentages assigned to all primary beneficiaries equals exactly 100%. This is critical to ensure the entire account value is distributed according to the applicant's wishes without ambiguity. If the total is not 100%, the form will be rejected for correction, as it would otherwise create an invalid or incomplete distribution instruction.
2
Validates Applicant's Social Security Number Format
This validation ensures the Social Security Number in Section 1 is a valid 9-digit number. The SSN is a primary identifier for the account holder and is required for tax reporting and legal verification. An invalid or missing SSN will cause the form submission to fail, as the applicant cannot be uniquely and correctly identified.
3
Requires Signature and Date for Authorization
This check confirms that the applicant has signed the form and provided a date in Section 3. A signature is legally required to authorize the beneficiary designation and certify the information provided. A missing signature or date renders the entire form invalid and legally non-binding, and it will be returned to the applicant.
4
Prohibits Duplicate Primary and Contingent Beneficiaries
This validation cross-references the primary and contingent beneficiary lists to ensure no individual or trust is named in both categories. The purpose of a contingent beneficiary is to inherit only if all primary beneficiaries are deceased. Naming the same entity in both roles creates a logical contradiction, so the form will be rejected if a duplicate is found.
5
Ensures Contingent Beneficiary Percentages Sum to 100%
If any contingent beneficiaries are designated, this check verifies that their assigned percentages sum to exactly 100%. This rule ensures a clear and complete distribution plan in the event that no primary beneficiaries survive the applicant. If contingent beneficiaries are listed but their percentages do not total 100%, the form is considered incomplete and will be rejected.
6
Mandates at Least One Primary Beneficiary
This check ensures that at least one primary beneficiary is fully designated in Section 2. The primary purpose of the form is to name a beneficiary, so failing to designate at least one primary recipient makes the form incomplete. The submission will be rejected if no primary beneficiary information is provided.
7
Validates Applicant's Date of Birth
This check verifies that the applicant's Date of Birth is a valid calendar date and is not in the future. This information is crucial for identity verification and for determining eligibility for certain plan features. An invalid or nonsensical date will cause the form to be flagged for review or rejection.
8
Requires Whole Percentages for Beneficiaries
This validation ensures that all percentage fields for both primary and contingent beneficiaries contain only whole numbers, as instructed on the form. Using fractional percentages can complicate distributions and may not be supported by the system. Submissions with decimal or fractional percentages will be rejected to ensure compliance with plan rules.
9
Conditional Validation for Trust Beneficiaries
This check ensures that if 'Trust' is selected as the relationship for a beneficiary, the 'Trust ID #' and 'Trust Date' fields are properly filled out. This information is essential for correctly identifying and validating the trust entity upon the applicant's death. If 'Trust' is selected but the required ID and date are missing, the beneficiary designation is incomplete and the form will be rejected.
10
Conditional Validation for Individual Beneficiaries
This validation confirms that if 'Spouse' or 'Other' is selected as the relationship, the 'Social Security #' and 'Date of Birth' fields are completed for that individual. These details are necessary to properly identify the individual beneficiary and distinguish them from others with similar names. Failure to provide this information for an individual beneficiary will result in an incomplete designation and rejection of the form.
11
Completeness of Applicant's Personal Information
This check verifies that the applicant's First Name, Last Name, and full Mailing Address (Address, City, State, Zip) are all provided. This contact information is fundamental for all communications regarding the account and for mailing any necessary documents or confirmations. An incomplete address or missing name will cause the form to be rejected.
12
Requires Marital Status Selection
This validation ensures the applicant has made a selection for their marital status ('Single' or 'Married'). While this specific form states it does not require spousal consent, marital status is still a critical piece of data for plan administration and compliance with federal regulations. The form is considered incomplete without this selection.
Common Mistakes in Completing 5VFITSRPE001L
A frequent error is making a simple math mistake where the percentages assigned to primary beneficiaries do not add up to exactly 100%. The same error is often repeated in the contingent beneficiary section. This can render the designation invalid or force a default distribution method, which may not align with the account holder's wishes. To avoid this, carefully review the percentages for both the primary and contingent sections to ensure each group independently totals 100%.
An unsigned or undated form is legally invalid and will not be processed by Fidelity. This is one of the most common yet critical errors, as it means your beneficiary designation is not in effect, and a previous designation or the plan's default rules will apply upon your death. Always double-check Section 3 to ensure you have provided both your signature and the current date before submitting the form.
Forgetting to provide a beneficiary's full legal name, Social Security Number, or Date of Birth is a common oversight. This missing data can significantly delay the payout process and create difficulties in locating and verifying the correct beneficiary, especially if they have a common name. Always gather and enter all required details for each individual to ensure a smooth transfer of assets.
The form explicitly states that a primary beneficiary cannot also be a contingent beneficiary, but this rule is often missed. This error creates a logical contradiction, as contingent beneficiaries only inherit if all primary beneficiaries are deceased. This will cause the form to be rejected, requiring you to submit a corrected version.
Designating a beneficiary as 'My Wife' or using a nickname instead of their full legal name (e.g., 'Jane Marie Doe') creates legal ambiguity. This can lead to disputes and significant delays, especially in cases of remarriage or if multiple family members have similar names. To prevent confusion and legal challenges, always use the full, legal name for every individual beneficiary listed on the form.
When naming a trust as a beneficiary, people often forget to include the full name of the trust, the date it was created, and the trustee's name as requested. Without this complete information, Fidelity cannot properly validate the trust, leading to significant legal and administrative hurdles for the trustee when attempting to claim the assets. Ensure all trust-related fields, including the Trust ID# and Trust Date, are filled out accurately.
The form requests printing clearly in CAPITAL LETTERS with a black pen, but people often use cursive, lowercase letters, or a blue pen. Poor handwriting can lead to data entry errors, potentially misspelling a beneficiary's name or recording an incorrect Social Security Number, while the wrong pen color can cause issues with document scanning. Since this is a non-fillable PDF, using a tool like Instafill.ai to convert it to a fillable version can eliminate handwriting and legibility issues entirely.
The form provides space for only two beneficiaries per section and instructs users to attach a signed, dated sheet for any others. Common mistakes include trying to squeeze extra names into the margins, forgetting to check the box indicating an attachment, or failing to sign the attached sheet. These errors can invalidate the designations for those additional beneficiaries, so it's crucial to follow the attachment instructions precisely.
The instructions specify using 'whole percentages,' but individuals trying to divide assets unevenly (e.g., among three beneficiaries) might enter fractions like 1/3 or decimals like 33.3%. This violates the form's requirements and can lead to rejection or rounding by the processor that doesn't match the filer's intent. Stick to whole numbers, adjusting them as needed to ensure they sum to 100 (e.g., 34%, 33%, 33%). AI-powered form fillers like Instafill.ai can help prevent this by validating data formats automatically.
Rushing through the form can lead to leaving critical fields like your Social Security Number, Date of Birth, or marital status blank in Section 1. This information is essential for Fidelity to correctly identify you and link the form to your specific plan account(s). An incomplete Section 1 will cause the form to be returned, delaying the update to your beneficiary records.
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