Yes! You can use AI to fill out Transamerica Beneficiary Change Form

Filers often make simple math errors, causing the percentages for primary or contingent beneficiaries not to total exactly 100%. This also occurs when checking both 'share equally' and entering a percentage. An incorrect total will lead to form rejection and processing delays, as the company cannot guess the policy owner's intent. To avoid this, carefully review your math for both the primary and contingent sections, ensuring each independently totals 100%. AI-powered tools like Instafill.ai can automatically calculate and validate these totals to prevent errors.

The form requires signatures from all policy owners and any named irrevocable beneficiaries. People frequently overlook the need for a joint owner's signature or forget that an existing irrevocable beneficiary must consent to the change. A missing signature is one of the most common reasons for immediate rejection, forcing you to resubmit the form. Always verify who the policy owners are and check if any beneficiaries are designated as irrevocable before signing.

Each beneficiary entry requires a full name, address, relationship, date of birth (or trust date), and SSN/TIN. It's common for filers to leave fields like SSN or a full address blank, especially if they don't have the information readily available. This missing data can significantly delay the claims process in the future, creating hardship for your beneficiaries. To prevent this, gather all necessary information for each beneficiary before you begin filling out the form.

The form states that leaving the Primary Beneficiary section blank keeps the current designation, but leaving the Contingent Beneficiary section blank *revokes* any existing contingent beneficiaries. This critical difference is often missed, leading people to unintentionally remove their secondary choices. To avoid this, you must re-list your desired contingent beneficiaries; otherwise, leaving the section blank will result in having no contingent beneficiaries on record.

When the policy is owned by a trust or corporation, or when signing via Power of Attorney, specific supporting documents are required (e.g., Trustee Certification, Corporate Resolution, copy of the POA). Filers often submit the change form alone, assuming the documents are already on file or not needed. This results in an incomplete submission and rejection. Always review the instructions on page one and attach all necessary legal documents with your form.

When naming a trust, it's not enough to write 'My Family Trust.' The form requires the complete, formal name of the trust and the date it was established, as shown in the example: 'John Doe Revocable Trust, dated 01/01/1999.' An incorrect or incomplete trust name can create legal ambiguities and significant delays during the payout process. To avoid this, copy the exact name and date from the official trust document.

In Section 1, the form asks for information on both the policy owner and the insured, who may not be the same person. People sometimes enter the insured's name in the owner field or vice-versa. Only the policy owner has the authority to make changes and sign the form, so this error can invalidate the request. Double-check your policy documents to confirm who the owner is and ensure their information is entered correctly and that they are the one signing in Section 4.

The instructions explicitly state not to use dollar amounts for beneficiary shares, yet people sometimes write in specific sums like '$50,000.' The policy's death benefit can change over time, making fixed dollar amounts problematic and leading to form rejection. All allocations must be in percentages totaling 100%. Using an intelligent form-filler like Instafill.ai can help by flagging non-percentage values in these fields.

To make a beneficiary irrevocable, you must write 'Irrevocable' next to their name and, crucially, that beneficiary must also sign the form in Section 4. People often write the word but forget to obtain the beneficiary's signature, which invalidates the request. This mistake can either fail to establish the irrevocable status or create unintended legal hurdles. Be certain of this decision and ensure all procedural steps are followed.

The form explicitly states that primary and contingent beneficiaries cannot be the same person. A contingent beneficiary only receives proceeds if all primary beneficiaries are deceased, so listing the same individual in both roles is redundant and logically inconsistent. This error can cause confusion and may lead to the form being returned for correction. Ensure your contingent beneficiaries are different individuals from your primary beneficiaries.