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Transfer on Death (TOD) Agreement - American Century Investments

Transfer on Death (TOD) Agreement - American Century Investments 2025

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The document is a Transfer on Death (TOD) Agreement form that allows individuals to designate beneficiaries for their shares of American Century Investments upon their death. It outlines the necessary steps to complete the form, including providing personal information, listing accounts, and designating primary and secondary beneficiaries. The agreement emphasizes the importance of legal consultation, spousal consent, and periodic updates to beneficiary designations.

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Click ‘Get Form’ to open the Transfer on Death (TOD) Agreement in the editor.
Begin by providing your personal information in Section 1. Fill in your name, Social Security number, and date of birth clearly in CAPITAL letters using black ink.
In Section 2, list the account numbers you wish to register under this agreement. Ensure that all relevant accounts are included for proper beneficiary designation.
Move to Section 3 to designate your primary beneficiaries. Enter their names, addresses, Social Security numbers or Tax ID numbers, dates of birth, and relationships to you. Specify the percentage of shares each beneficiary will receive, ensuring the total equals 100%.
Proceed to Section 4 for secondary beneficiaries. Repeat the same process as in Section 3 for any additional beneficiaries who should inherit if primary beneficiaries are not living.
Finally, review the TOD agreement in Section 5 and sign where indicated. If applicable, ensure your spouse provides consent by signing below your signature.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is the downside of a tod?

TOD Deeds Open the Door to Unintended Consequences Without careful coordination, TOD deeds can also disinherit heirs you intended to provide for, result in unnecessary taxes, complicate matters for a surviving spouse, or cause other negative ripple effects. Once recorded, the deed is very difficult to undo.

Who benefits from TOD?

Transfer-on-death (TOD) accounts allow account owners to designate beneficiaries who will automatically inherit the accounts assets upon the owners death. These accounts can apply to various types of financial assets, such as bank accounts, brokerage accounts, and even some real estate, depending on state laws.

Can I take money out of a tod?

For those asking can I take money out of my tod account?, that also means the answer is yes. Account owners can withdraw money from their TOD accounts at any time without any restrictions. Since account owners retain full control over the assets while theyre alive, they can also change the beneficiaries at any time.

How does a tod transfer on death work?

A transfer on death deed is a legal document that allows property owners to designate beneficiaries who will inherit their real estate upon death. The property covered by the deed typically avoids the probate court process, often saving beneficiaries time, money, and stress throughout the inheritance process.

Is transfer on death a good idea?

There are so many better options for estate planning. Most people are under the mistaken belief that a transfer on death deed will save themselves and their estate thousands of dollars. The reality is that a TOD deed might still require probate to satisfy creditors and taxes.

What does tod transfer on death mean?

Transfer-on-death (TOD) refers to named beneficiaries that receive assets at the death of the property owner without the need for probate, facilitating the executors disposition of the property owners assets after their death.

What does tod mean on my investment account?

On a nonretirement account, designating a beneficiary or beneficiaries establishes a transfer on death (TOD) registration for the account. For an individual account, a TOD registration generally allows ownership of the account to be transferred to the designated beneficiary upon your death.

Can investments be transferred on death?

Transfer on death (TOD) registration allows you to pass the securities you own directly to another person or entity upon your death without having to go through probate.

Transfer on Death (TOD) Agreement - American Century Investments 2025

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