Yes! You can use AI to fill out TIAA Non-Qualified Annuity Beneficiary Designation Form
The TIAA Non-Qualified Annuity Beneficiary Designation Form (F7737.2) is a legal document for contract owners to specify who will receive the death benefits from their non-qualified annuity. Properly designating beneficiaries ensures that your assets are distributed according to your wishes, potentially avoiding probate and legal complications. This form allows for detailed instructions, including naming primary and contingent beneficiaries and allocating percentages. 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: | TIAA Non-Qualified Annuity Beneficiary Designation Form |
| Number of pages: | 1 |
| Language: | English |
| Categories: | beneficiary forms |
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How to Fill Out F7737.2 Online for Free in 2026
Are you looking to fill out a F7737.2 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your F7737.2 form in just 37 seconds or less.
Follow these steps to fill out your F7737.2 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the TIAA Non-Qualified Annuity Beneficiary Designation Form (F7737.2).
- 2 Use the AI assistant to fill in your information as the contract owner and list the specific non-qualified annuity contract numbers this designation applies to.
- 3 Enter the full legal name, relationship, date of birth, SSN, and percentage share for each primary beneficiary in the 'Naming Your Beneficiary(ies)' section.
- 4 Provide the same detailed information for any contingent beneficiaries who would receive benefits if the primary beneficiaries are unable to.
- 5 Complete the beneficiary information section with the full address, phone number, and email for each individual or entity named.
- 6 Carefully review all entered information for accuracy, then sign and date the form. Ensure any required spousal consent or notary certifications are completed as instructed in Sections 6 and 7.
- 7 Download the completed form and mail the original signed document to the TIAA administrative office as specified in the instructions, as faxes are not accepted.
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 F7737.2
This form is used to designate, update, or change the beneficiaries who will receive the benefits from your TIAA or TIAA-CREF Life non-qualified annuity contract upon your death.
Any owner of a TIAA non-qualified annuity contract who wants to establish a new beneficiary designation or change their existing one should complete this form.
You will need each beneficiary's full legal name, relationship to you, date of birth, Social Security number (if available), and full contact information including address, phone number, and email.
Selecting 'Yes' for Per Stirpes means that if a beneficiary dies before you, their share of the benefits will be passed down to their living children or direct descendants. If you select 'No', their share is typically divided among the other surviving beneficiaries in the same class.
A Primary Beneficiary (Class I) is the first person or entity in line to receive the annuity benefits. A Contingent Beneficiary (Class II) will only receive the benefits if all primary beneficiaries have passed away before you.
You must mail the original, signed pages 1-5 to the TIAA Administrative Office address listed on the form. Faxed copies will not be accepted, as an original signature is required.
Yes, if you live in a community property state (like AZ, CA, TX) and you do not name your spouse as the primary beneficiary for at least 50% of the proceeds, your spouse must sign the consent and waiver section in the presence of a notary.
To make a change, the existing irrevocable beneficiary must agree by signing page 4 of this form. Their signature must be certified by a Notary Public.
Yes, in Section 2, you can either select the option to apply the designation to ALL your non-qualified annuity contracts or list the specific contract numbers you wish to update.
A notary is required if an Irrevocable Beneficiary or Power of Attorney (POA) is signing, or for a spousal consent signature if you reside in a community property state and are not naming your spouse as the primary beneficiary.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help prevent common errors when completing your form.
Simply upload the TIAA beneficiary form to the Instafill.ai platform. The AI will make the form fillable online, and you can use its features to quickly and accurately enter your information before printing for signature.
If you have a non-fillable or 'flat' PDF, you can upload it to a service like Instafill.ai. The platform can convert it into an interactive, fillable form that you can complete on your computer.
If you name more than one person in a beneficiary class (e.g., two primary beneficiaries) and do not specify percentages, the benefits will be divided equally among the living beneficiaries in that class.
Compliance F7737.2
Validation Checks by Instafill.ai
1
Ensures Beneficiary Percentages Sum to 100% per Class
This check verifies that the sum of the percentages assigned to all Primary Beneficiaries (Class I) equals exactly 100%. It performs the same validation for all Contingent Beneficiaries (Class II). This is critical to ensure the full death benefit is allocated according to the owner's wishes without ambiguity. If the total is not 100%, the form will be rejected, causing processing delays until a corrected form is submitted.
2
Validates SSN and Taxpayer ID Number Format
This validation ensures that all Social Security Numbers (SSN) for individuals and Taxpayer Identification Numbers (TIN) for trusts or corporations are entered in the correct format (XXX-XX-XXXX or XX-XXXXXXX). Correct identification numbers are legally required for tax reporting and to prevent fraud. An invalid format will lead to rejection of the form and require the owner to resubmit with corrected information.
3
Verifies Date of Birth Format and Plausibility
This check confirms that all Date of Birth fields for the owner and individual beneficiaries are in the required MM/DD/YYYY format. It also checks for plausible dates, such as not being in the future or an unreasonable number of years in the past. This information is crucial for identity verification and for certain age-related legal requirements, and an invalid date will halt processing.
4
Requires Contract Number for Specific Designation
This validation is triggered if the owner selects 'Option B' in Section 2, which applies the beneficiary designation only to specific contracts. The check ensures that at least one valid contract number is entered in the provided fields. Without a contract number, the company cannot identify which annuity to update, making the designation request impossible to fulfill and leading to its rejection.
5
Validates Spousal Consent in Community Property States
This check verifies that if the owner resides in a community property state (as listed in Section 7) and does not name their spouse as the primary beneficiary for at least 50% of the proceeds, the 'Spousal Consent and Waiver' section is properly signed by the spouse and notarized. This is a legal requirement to waive the spouse's potential community property rights to the asset. Failure to provide the signed and notarized consent will prevent the beneficiary change from being processed.
6
Confirms Consent from Existing Irrevocable Beneficiaries
This validation cross-references the contract number(s) with existing account data to determine if an irrevocable beneficiary is currently designated. If so, it confirms that the irrevocable beneficiary has signed and had their signature notarized in Section 6C. An irrevocable designation cannot be changed without the beneficiary's consent, so a missing signature will cause the entire form to be rejected.
7
Ensures All Owners Have Signed and Dated the Form
This check verifies that the form has been signed and dated by the primary contract owner in Section 6. If the contract is jointly owned, it also ensures the joint owner's signature and date are present. These signatures provide the legal authorization to make the requested changes, and a missing owner signature makes the entire document invalid.
8
Cross-Validates Beneficiary Names Between Sections
This validation ensures that for every beneficiary named in the allocation grid (Section 4), there is a corresponding entry with full name, address, and contact information in Section 5. This consistency is vital for locating and contacting beneficiaries when a claim is made. Mismatches or missing information can create significant delays and legal complications during the payout process.
9
Validates 'My Children' Designation with Child Information
This check is triggered when the text 'My Children' is entered as a beneficiary in Section 4. It verifies that the submitter has then listed the full names and addresses of all their current living children in Section 5 as instructed. This provides clarity and helps TIAA identify all intended beneficiaries under the class designation, and failure to list the children will delay processing.
10
Validates Per Stirpes Election as 'Y' or 'N'
This validation ensures that the 'Per Stirpes' field for each named beneficiary in Section 4 contains a valid entry, either 'Y' (Yes) or 'N' (No). This election is critical as it determines whether a deceased beneficiary's share passes to their descendants. An empty or invalid entry creates ambiguity in the distribution plan and will require clarification from the owner.
11
Ensures Completeness for Entity Beneficiaries
This check verifies that when a non-individual entity like a trust, corporation, or estate is named as a beneficiary, all required identifying information is included. This includes the full legal name of the entity, the date of the trust agreement, or the state of incorporation as shown in the examples. Incomplete information makes it difficult to validate the entity and will lead to rejection of the form pending clarification.
12
Verifies Required Notarization for Third-Party Signatures
This validation confirms that if a signature is present for a Collateral Assignee, Irrevocable Beneficiary, or Power of Attorney (POA), the corresponding Notary Public Certification block on page 4 is fully and correctly completed. Notarization provides an essential layer of fraud prevention and authentication for these high-authority signatures. A missing or incomplete notary seal will render the consent invalid.
13
Ensures Use of Full Legal Beneficiary Names
This validation checks that the names entered for beneficiaries in Section 4 are full legal names (e.g., 'Martha B. Doe') as explicitly instructed, rather than informal or marital titles (e.g., 'Mrs. John Doe'). Using a full legal name is crucial for unambiguous identification and to avoid legal challenges or delays during the payout process. Forms using informal names will be returned for correction.
14
Validates Completeness of Joint Owner Information
This check ensures that if a Joint Owner's full legal name is entered in Section 3, the corresponding 'Joint Owner's SSN or Taxpayer ID' field is also filled out. This information is required for tax reporting purposes and to properly identify all legal owners of the contract. Missing the SSN/TIN for a listed joint owner will halt the processing of the form until the complete information is provided.
Common Mistakes in Completing F7737.2
Users often make calculation errors in Section 4, resulting in the total percentage for primary or contingent beneficiaries not equaling exactly 100%. This happens due to simple math mistakes, especially when dividing shares among an odd number of people. An incorrect total will cause the form to be rejected, delaying the update to your beneficiary designation. To avoid this, double-check that the sum for each class (Primary and Contingent) is precisely 100% before signing.
A frequent and critical error is failing to obtain a notarized spousal signature in Section 7 when required. This is mandatory if you live in a community property state (listed on the form) and do not name your spouse as the beneficiary for at least 50% of the proceeds. Overlooking this section leads to an invalid designation and significant legal complications later. Always review Section 7 and secure a notarized signature if your situation applies.
People often use the class designation 'My Children' in Section 4 but forget the crucial next step: listing the full name and address of each living child in Section 5. The form explicitly requires this for the designation to be valid. This omission can cause confusion and delays in distributing assets. To prevent this, ensure that if you use a class designation, you also provide the specific details for all current members of that class as instructed.
The 'Per Stirpes' (Y/N) option in Section 4 is often misunderstood or left blank. This election determines if a deceased beneficiary's share should pass down to their children. An incorrect or missing selection can lead to assets being distributed in a way the owner did not intend. It is vital to understand this term and make a clear 'Y' or 'N' choice for each beneficiary to ensure your wishes are followed.
The form requires notarization for several signature types in Section 6 and 7, including those from an irrevocable beneficiary, Power of Attorney (POA), or a spouse providing consent. People frequently submit the form with the necessary signatures but without the notary's seal and signature. This immediately invalidates the request, forcing you to repeat the entire signature and mailing process. Always read the signature sections carefully to see if a notary is required.
In a digital age, it's common to want to fax or email documents, but this form explicitly states that it will not accept faxes and requires the original signed document. Submitting a copy will result in an automatic rejection of your request. To avoid this delay, you must mail the completed, original paper form to the address provided in Section 8. Since the form is a non-fillable PDF, tools like Instafill.ai can convert it to a fillable version for clean data entry before you print and sign.
The form separates beneficiary data into Section 4 (Name, DOB, SSN, %) and Section 5 (Name, Address, Phone, Email). A common mistake is to list a beneficiary in one section but forget to add their corresponding details in the other. This incomplete information makes it difficult for TIAA to locate the beneficiary in the future. To avoid this, fill out both Section 4 and Section 5 completely for every single beneficiary you name.
The contract owner may sign the form, but forget to obtain signatures from other required individuals, such as a joint owner, all trustees of a trust, or an irrevocable beneficiary. The form clearly states that all required signatures must be present for the change to be processed. This oversight is a primary cause of processing delays, so it's crucial to identify all parties whose consent is needed and ensure they sign in the correct section.
Users sometimes enter informal names (e.g., 'Grandma Sue') or incomplete names (e.g., 'Mrs. John Doe') instead of the beneficiary's full legal name. This can create significant ambiguity and legal challenges when it's time to pay out the benefits. Always use the full, legal first, middle, and last name as it appears on official documents like a driver's license or birth certificate to ensure the person is correctly identified.
In Section 2, if you select 'Option B' to apply the designation to specific contracts, it is easy to forget to write in the actual contract numbers. Without these numbers, TIAA does not know which of your accounts to update, rendering the form useless. To prevent this, if you choose Option B, ensure you accurately list all relevant contract numbers in the spaces provided. AI-powered tools like Instafill.ai can help prevent such omissions by flagging empty required fields.
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