Yes! You can use AI to fill out Fidelity Ownership/Annuitant Change Form
This form is used by current Fidelity annuity contract holders to formally request a change in the ownership or annuitant of their policy. It is crucial for updating contract details due to life events like marriage or for estate planning purposes, though it's noted that such changes can have significant tax and legal consequences. 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 Ownership/Annuitant Change Form |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out 574630.16.0 Online for Free in 2026
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Follow these steps to fill out your 574630.16.0 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the Fidelity Ownership/Annuitant Change form or select it from their template library.
- 2 Use the AI assistant to accurately fill in Section 1 with your annuity contract number and the current owner's information.
- 3 Complete Section 2 or 3 if you are changing the contract owner, joint owner, or custodian, providing the new individual's personal details.
- 4 Fill out Section 4 if you are changing the annuitant, selecting the appropriate change type for your specific annuity product.
- 5 Proceed to Section 5 to have all current and new contract owners provide their signatures and date the document.
- 6 If a Medallion Signature Guarantee is required for your specific change, follow the instructions to obtain and affix it to the form.
- 7 Review all the information you've entered for accuracy, then download, print, and submit the completed form to the appropriate Fidelity Annuity Service Center address.
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 574630.16.0
This form is used to add or change an individual owner or annuitant for a Fidelity annuity contract. It should not be used to name a trust as an owner or to modify beneficiary designations.
To use this form, you must be a current contract owner or an authorized individual, such as a custodian or trustee for the annuity.
No, you must submit a separate and complete form for each individual annuity contract you wish to change.
Your Annuity Contract Number is located on a recent statement or can be found on the portfolio positions page of your account on Fidelity.com.
A medallion signature guarantee is required for any owners being removed from the contract. It is also required for a remaining owner if a new owner is being added to the contract.
A notary seal is not the same as a signature guarantee and will not be accepted. You must obtain a medallion signature guarantee from a bank, credit union, or other financial institution.
Changing the primary owner will cause any automatic investment or withdrawal programs to be terminated. The new owner will need to re-establish these programs after the change is complete.
Yes, for most qualified annuities, you cannot change the owner or annuitant. Please review the 'Helpful to Know' section for specific rules related to your annuity type.
The form requires signatures from all current contract owners (including those being removed) and all new contract owners being added. New annuitants are not required to sign.
Mail the entire completed form to the Annuity Service Center address listed on the last page. Ensure you use the correct address for regular mail based on your state (NY or other) or use the provided overnight mail address.
Once the form is processed and the changes are registered, the contract owner will receive a Revised Annuity Profile in the mail confirming the updates.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help reduce errors when completing the form.
You can upload the PDF to the Instafill.ai platform, which will make the fields interactive. You can then provide your information to have the form filled out automatically before you print it for the required signatures.
If you have a non-fillable PDF, you can use a service like Instafill.ai. It can convert flat PDFs into interactive, fillable forms, allowing you to type your information directly onto the document.
Compliance 574630.16.0
Validation Checks by Instafill.ai
1
Annuity Contract Number Validation
Ensures the 'Annuity Contract Number' provided in Section 1 is not empty and corresponds to a valid, active contract in the system. This is critical for identifying which account the changes should be applied to. If the number is missing or invalid, the form cannot be processed as the target contract is unknown.
2
SSN and TIN Format Validation
Verifies that all 'Social Security or Taxpayer ID Number' fields in Sections 2, 3, and 4 contain a valid 9-digit number, formatted as XXX-XX-XXXX or XX-XXXXXXX. This is essential for tax reporting and identity verification. A failure would prevent proper registration of the new individual and could lead to IRS compliance issues.
3
New Owner Minimum Age Requirement
Checks that any 'New Contract Owner' or 'New Joint Owner' is at least 18 years old by comparing their 'Date of Birth' (from Section 2 or 3) with the form's submission date. This enforces the legal affirmation in Section 5 that all new owners are of legal age to enter into a contract. If the individual is under 18, the ownership change is invalid.
4
Residential Address PO Box Restriction
Validates that the 'Legal / Residential Address' provided in Sections 2, 3, and 4 is a physical address and not a 'PO Box, mail drop, or c/o' address. This is a requirement for tax reporting and legal identity verification. An invalid address type will cause the form to be rejected until a valid physical address is provided.
5
Conditional Section Completeness
Ensures that if an action is selected in Sections 2, 3, or 4 (e.g., 'Add a joint owner'), all corresponding required fields for that section (Name, SSN, DOB, Address) are filled out. This prevents incomplete submissions where the intent is clear but the necessary data is missing. Failure results in the form being returned for completion.
6
Signature Requirement Logic
Verifies that all required signatures are present in Section 5 based on the changes requested. For example, if an owner is removed, their signature must be in Section 5a; if a new owner is added, their signature must be in Section 5b. Missing signatures render the authorization incomplete and legally void, preventing any changes from being made.
7
Medallion Signature Guarantee Check
Flags that a Medallion Signature Guarantee is required in Section 5a if an owner is being removed or if a new owner is being added. While this is a physical stamp, the system must verify its presence for these specific transaction types. Without the required guarantee, the form will be rejected due to the high-risk nature of the ownership change.
8
FPRA Spouse-Only Owner Change Rule
If the contract is a 'Fidelity Personal Retirement Annuity' and an owner change is requested, this validates that the new owner's 'Relationship to Current Primary Owner' is 'Spouse'. This enforces a specific product rule mentioned in the 'Helpful to Know' section. Attempting to add a non-spouse owner would be an invalid transaction for this annuity type.
9
Qualified Contract Change Prohibition
Checks if the annuity is a 'qualified' contract (funded with pre-tax money). If so, it validates that no changes are being made to the owner or annuitant for 'Fidelity Fixed Deferred' or 'Retirement Reserves' annuities, as this is explicitly prohibited. This check prevents non-compliant and potentially taxable events from occurring.
10
Address Selection Logic
In Sections 3 and 4, if a checkbox like 'Same as new contract owner address' is marked, the system confirms the source address data is available. If no 'Same as...' checkbox is marked, it validates that the manual address fields are completed. This ensures a valid address is always captured for the new individual without ambiguity.
11
Mutually Exclusive Option Selection
Ensures that within a given section, only one action checkbox is selected from a list of mutually exclusive options. For example, in Section 2, a user cannot select both 'Remove the current contract owner and replace with a new one' and 'Remove current custodian'. This prevents contradictory instructions and ensures clear intent.
12
Retirement Reserves Annuitant Change Conditions
If a change to the annuitant is requested in Section 4 for a 'Retirement Reserves Annuity', this validates that the contract was issued in New York AND is a nonqualified account. This is a critical business rule check based on the form's instructions. A request not meeting these criteria would be rejected.
13
Annuitant Change 30-Day Deadline
If a change of annuitant is requested in Section 4, this validation compares the form's received date against the contract's 'annuity date'. It ensures the request was received at least 30 days before the annuity date, as stipulated on the form. Requests received after this deadline will be rejected as they are too close to the contract's maturity.
14
Joint Owner Singularity Rule
When 'Add a joint owner' is selected in Section 3, the system verifies that the contract does not already have an active joint owner. The form states only one joint owner is allowed per contract. This check prevents the creation of invalid contract structures and ensures compliance with product rules.
Common Mistakes in Completing 574630.16.0
A common and critical error is failing to obtain a Medallion Signature Guarantee in Section 5a for any owner being removed from the contract. People often confuse this with a notary seal, which is not acceptable and will lead to rejection. This guarantee is a security measure to prevent fraud, and its absence will halt the processing of your request until a properly guaranteed form is submitted.
The form has two distinct signature sections: 5a for owners being removed or remaining, and 5b for new owners being added. A frequent mistake is for all parties to sign in one section or for individuals to sign in the incorrect one. This causes processing delays as the firm must verify the intent of each signatory, often requiring a new, correctly signed form.
The first page details unique rules for different annuity types (e.g., owner changes for a Fidelity Personal Retirement Annuity may be limited to a spouse). Applicants often overlook these rules and request a change that is not permitted for their specific contract. This results in an automatic rejection, forcing the applicant to restart the process after reviewing their contract's limitations.
Applicants frequently attempt to use this form to name a Trust as an owner or to modify beneficiary designations, both of which are explicitly forbidden in the form's header. This fundamental misunderstanding of the form's purpose leads to immediate rejection. Always confirm your intended action is covered by reading the 'Use this form to...' and 'Do NOT use this form to...' instructions on page one.
The form requires a physical legal/residential address and explicitly forbids P.O. Boxes, mail drops, or 'c/o' addresses for this field. Many people enter a P.O. Box out of habit, which will cause the form to be returned for correction. A physical address is a legal requirement for tax reporting and identity verification. AI-powered form filling tools like Instafill.ai can help prevent this by validating address formats.
The form cannot be processed unless all required parties have signed, including all current owners being removed and all new owners being added. It is common for one party, such as a joint owner, to forget to sign. This oversight renders the form incomplete and unauthorized, requiring it to be sent back for the missing signature, thereby delaying the entire change.
In Sections 2, 3, and 4, the applicant must check a box to specify the exact change being requested (e.g., 'Add a joint owner,' 'Remove the current annuitant and replace...'). People often fill out the new information but forget to check the corresponding box. This ambiguity makes the request unclear and unprocessable, leading to delays while the firm seeks clarification.
The instructions clearly state that a separate form is required for each annuity contract. To save time, individuals with multiple annuities sometimes try to list all of them on a single form. This will result in the form being rejected or processed for only one contract, significantly delaying the changes for the others.
The entire request hinges on a correct Annuity Contract Number in Section 1. A simple typo or transcription error from a statement will prevent Fidelity from identifying the correct account. This leads to an immediate rejection and requires the applicant to find the correct number and resubmit the entire form. Using a tool like Instafill.ai, which can save and pre-fill information, helps ensure accuracy on subsequent forms.
The form states 'Type on screen or print out and fill in using CAPITAL letters and black ink.' When a fillable PDF is available, mixing typed information with illegible handwriting can cause data entry errors and processing delays. For clarity and accuracy, it is best to type all information directly into the form. If the form is a non-fillable PDF, tools like Instafill.ai can convert it into an easily fillable version.
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