Yes! You can use AI to fill out Trusted Contact Authorization Form
This form is used by Fidelity account owners to designate a primary and alternate trusted contact. It authorizes Fidelity to communicate with these contacts if there are concerns about the account owner's health, welfare, or potential financial exploitation, but it does not grant the contacts any authority to transact on the accounts. This is a crucial step in safeguarding your assets against fraud and abuse. 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: | Trusted Contact Authorization Form |
| Number of pages: | 2 |
| Filled form examples: | Form Fidelity 802990.4.0 Examples |
| Language: | English |
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How to Fill Out Fidelity 802990.4.0 Online for Free in 2026
Are you looking to fill out a FIDELITY 802990.4.0 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your FIDELITY 802990.4.0 form in just 37 seconds or less.
Follow these steps to fill out your FIDELITY 802990.4.0 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload or select the Fidelity Trusted Contact Authorization Form.
- 2 Provide your personal details in the 'Account Owner' section, including your full name and Social Security or Taxpayer ID Number.
- 3 In Section 2, specify whether the authorization applies to all your eligible accounts or only to specific accounts by listing their numbers.
- 4 Enter the required information for your 'Primary Trusted Contact' in Section 3, including their name, relationship to you, and full contact details.
- 5 Optionally, complete Section 4 to designate an 'Alternate Trusted Contact' with their corresponding information.
- 6 Carefully review all the information auto-filled by the AI for accuracy and completeness.
- 7 Proceed to Section 5 to digitally sign and date the form, then download or submit it according to Fidelity's instructions.
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 Fidelity 802990.4.0
This form allows you to designate a person Fidelity can contact if they have concerns about your health, suspect financial exploitation, or need to confirm your contact information. It is an optional security measure to help protect you and your accounts.
No, a trusted contact cannot transact on your account, access your funds, or make any changes. Their role is limited to communicating with Fidelity if concerns about your welfare arise.
You should select a reliable person, 18 years or older, whom you trust to discuss personal and financial matters. The form suggests considering someone not already involved in your finances, like a beneficiary or power of attorney, to ensure objectivity.
You must provide their full name, a valid email address, a primary phone number, and their complete mailing address. All of these fields are required for both primary and alternate contacts.
No, this form is not for workplace retirement plans like a 401(k) or for charitable giving accounts. It is intended for your personal Fidelity brokerage accounts.
In Section 2, check the box for 'ALL eligible accounts associated with the above Social Security or Taxpayer ID Number'. This will apply the designation to all your current and future eligible accounts.
The fastest method is to upload it digitally by scanning the QR code on the form or visiting Fidelity.com/upload-Trusted-Contact. If you cannot upload it, you can find mailing instructions on Fidelity's website.
You can change your trusted contact at any time by completing and submitting a new form. The new form will automatically supersede any previous designations you have made.
Naming an alternate trusted contact is optional, but it is recommended. The alternate person can be contacted if your primary trusted contact is unavailable.
Your signature in Section 5 is mandatory because it legally authorizes Fidelity to communicate with your designated contact under specific circumstances. The form cannot be processed without your signature and the date.
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.
Simply upload the PDF to the Instafill.ai platform. The service will make the document interactive, allowing you to type your information directly into the fields before printing for signature.
If your PDF is a flat, non-fillable image, you can use a tool like Instafill.ai. It can convert the document into an interactive, fillable form so you can easily type in your information.
Compliance Fidelity 802990.4.0
Validation Checks by Instafill.ai
1
Validates Social Security or Taxpayer ID Number Format
This check ensures that the Social Security or Taxpayer ID Number provided in Section 1 consists of nine digits, optionally formatted as XXX-XX-XXXX or XX-XXXXXXX. This is critical for correctly identifying the account owner's master record within Fidelity's systems. A failure to match this format will prevent the form from being processed as the owner cannot be uniquely and accurately identified.
2
Ensures Exclusive Selection for 'Accounts Included'
This validation verifies that in Section 2, the user has selected either 'ALL eligible accounts' OR 'ONLY the account(s) listed below', but not both. It also ensures that if 'ONLY the account(s) listed below' is selected, at least one valid Fidelity Account Number is provided. This prevents ambiguity and ensures the designation is applied to the correct set of accounts as intended by the owner.
3
Verifies Primary Trusted Contact is Not the Account Owner
This check compares the name of the Primary Trusted Contact in Section 3 against the Account Owner's name in Section 1 to ensure they are not the same person. The purpose of a trusted contact is to have an independent third party to contact, so designating oneself is redundant and invalid. If the names match, the form will be rejected and the user will be prompted to provide information for a different individual.
4
Confirms Completeness of Primary Trusted Contact Information
This validation ensures that all required fields for the Primary Trusted Contact in Section 3 are filled out, including First Name, Last Name, Email, Primary Phone, and the full address. The form explicitly states these fields are required for Fidelity to be able to reliably get in touch with the contact. Incomplete information would render the designation useless and result in form rejection.
5
Validates Primary Trusted Contact Email Format
This check verifies that the email address provided for the Primary Trusted Contact in Section 3 follows the standard '[email protected]' format. An invalid email address would prevent Fidelity from communicating with the trusted contact electronically, which is a primary method of contact. The submission will fail if the format is incorrect, ensuring data quality for future communications.
6
Validates Primary Trusted Contact Phone Number Format
This check ensures the 'Primary Phone' number in Section 3 is a valid phone number format, such as a 10-digit number with an optional country code. This is crucial for enabling direct voice communication with the trusted contact in urgent situations, such as suspected financial exploitation. An invalid number would prevent this critical communication channel, so the form would be rejected.
7
Verifies Alternate Trusted Contact is Not the Owner or Primary Contact
This logical check confirms that the Alternate Trusted Contact listed in Section 4 is not the same person as the Account Owner (Section 1) or the Primary Trusted Contact (Section 3). The purpose of an alternate is to provide a backup contact, so they must be a distinct individual. A submission with duplicate individuals will be flagged as an error to ensure a valid secondary contact is established.
8
Ensures Signature and Date are Present
This is a critical completeness check to verify that the 'OWNER/AUTHORIZED INDIVIDUAL SIGNATURE' and 'DATE' fields in Section 5 are not empty. The signature legally authorizes Fidelity to act on the instructions in the form, and the date establishes when the authorization was granted. A form lacking either of these elements is legally invalid and cannot be processed.
9
Validates Signature Date Format and Plausibility
This check ensures the date in Section 5 is in the required MM/DD/YYYY format and represents a valid, non-future date. An incorrectly formatted or future date can cause processing errors and raises questions about the document's authenticity. This validation ensures the authorization is recorded with a valid and accurate timestamp, preventing rejection due to data entry errors.
10
Matches Printed Name in Signature Section to Account Owner
This validation compares the 'PRINT OWNER/AUTHORIZED INDIVIDUAL NAME' in Section 5 with the Account Owner's name in Section 1. This helps confirm that the person signing the form is the actual account owner. A mismatch could indicate an unauthorized person is attempting to make changes, and would trigger a rejection or further verification steps.
11
Confirms Completeness of Alternate Trusted Contact Information (If Provided)
This check is triggered if any information is entered into Section 4 for the Alternate Trusted Contact. It verifies that all required fields (First Name, Last Name, Email, Primary Phone, and full address) are completed. This ensures that if an alternate is designated, their information is complete and usable, preventing a partial, unusable entry. An incomplete alternate contact section will result in an error.
12
Validates Relationship to Owner Field
This check ensures that the 'Relationship to Owner' field in both Section 3 and Section 4 contains a value. While the form provides examples (Spouse, Child, etc.), this validation confirms the field is not left blank. This information provides important context for Fidelity when communicating with the trusted contact and is a required part of the designation.
Common Mistakes in Completing Fidelity 802990.4.0
This is the most common reason for immediate rejection. Applicants often focus on the contact details and forget to complete the final authorization section. Without a valid signature and the current date, the form is not legally binding and cannot be processed, leading to significant delays. Always double-check Section 5 to ensure you have signed, dated (in MM/DD/YYYY format), and printed your name before submission.
A frequent error is entering the account owner's own information in Section 3 for the Primary Trusted Contact. The form explicitly warns that the trusted contact must be someone other than the account owner. This mistake defeats the purpose of the designation, which is to have a separate party to contact, and will result in the form being rejected. Carefully read the instructions in Sections 3 and 4 to ensure you are designating a different individual.
The form requires the full name, email, phone number, and complete address for any designated trusted contact. People often skip fields they deem optional, like email or a secondary phone number, or provide an incomplete address. This can prevent Fidelity from being able to reach the contact when necessary, undermining the form's purpose. Ensure every single field in Section 3 and/or Section 4 is filled out completely and accurately.
In Section 2, users must choose between applying the designation to 'ALL' accounts or 'ONLY' specific accounts. Common mistakes include checking both boxes, checking neither box, or checking 'ONLY the account(s) listed below' but then failing to list any account numbers. This ambiguity forces the processor to either guess or reject the form, causing delays. Make a clear, single choice and provide the required information for that choice.
The form's header explicitly states it should NOT be used for workplace retirement plans (like a 401k) or charitable giving accounts. Applicants sometimes overlook this instruction and attempt to use the form for these account types. This will lead to rejection, as these accounts have different legal and administrative requirements for such designations. Always confirm the account type is eligible before filling out the form.
Users sometimes list the same individual in both Section 3 (Primary) and Section 4 (Alternate). The instructions for the Alternate Trusted Contact clearly state they must be someone other than the individuals listed in Sections 1 and 3. The purpose of an alternate is to have a backup if the primary is unreachable, so listing the same person twice is redundant and will cause processing issues. Always designate a different person as your alternate.
When filling out by hand, poor or cursive handwriting can make names, addresses, and account numbers unreadable, leading to data entry errors by the processing team. This could result in Fidelity being unable to contact the designated person or applying the designation to the wrong account. To avoid this, use the 'Type on screen' feature or write clearly in all capital letters with black ink as instructed. AI-powered form fillers like Instafill.ai can eliminate this issue by populating fields with clean, typed text.
When selecting 'ONLY the account(s) listed below' in Section 2, users may introduce typos, transpose digits, or provide incomplete account numbers. This error will result in the trusted contact not being linked to the intended account, defeating the purpose of the submission. Carefully double-check each digit of the account numbers against your account statements before submitting. AI tools like Instafill.ai can help prevent this by auto-filling and validating account information from a user's profile.
The form is two pages long, and the submission instructions ask for a scan of the 'ENTIRE form'. A common mistake is to only scan and upload the first page, especially if the alternate contact section on page two is left blank. This results in an incomplete submission because the signature page (page 2) is missing, and the form will be rejected. Always ensure all pages of the document are included in your digital submission.
The signature provided in Section 5 must match the signature Fidelity has on file for the account owner listed in Section 1. A mismatched signature, or signing with a name different from the printed name (e.g., using a nickname), can raise security flags and cause the form to be rejected for verification purposes. Ensure the printed name is your full legal name as it appears on the account and that your signature is consistent with the one on file.
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