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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 reviewing estate planning with an attorney, obtaining spousal consent when applicable, and updating beneficiary designations as family circumstances change.

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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.

Can the owner take money out of a Tod account?

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.

Are tod accounts a good idea?

TOD on accounts is usually a good thing, not a negative, unless you have a specific reason to the contrary.

What is the difference between a tod and a beneficiary?

In the simplest terms, using a Transfer on Death (TOD) designation is like adding a beneficiary to an account that does not typically have a beneficiary listed. Most retirement accounts offer a beneficiary option, whereas you would use a TOD for a brokerage or other non-retirement investment account.

Which is better, tod or beneficiary after death?

Designated beneficiaries receive the funds without having to wait for probate to conclude, which can take months. A POD or TOD account allows loved ones to get money almost immediately. Typically, all they need to provide is the death certificate and identification to the account-holding institution.

What is the downside of a tod?

Beneficiary Liability: A beneficiary named in a TOD deed becomes personally liable for the property owners unsecured debts up to the value of the property received. This result may have been unintended by the owner and as an unpleasant surprise to the beneficiary.

Does tod supercede a will?

A TOD account also skips the probate process and takes precedence over a will.

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. This is often accomplished through a transfer-on-death deed.

What is the disadvantage of tod?

Potential for Disputes: Disputes among beneficiaries or challenges to the validity of the TOD deed can arise. Ambiguities in the deed, conflicting claims from heirs, or allegations of undue influence can result in legal disputes, delaying the process and undermining the intended efficiency of TOD deeds.

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

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