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State of Contract Rules

These pages are intended to assist licensed insurance producers in the sale and service of Phoenix products and are not intended for unassisted use by Phoenix customers. Phoenix customers should go here for Customer Service information.

The following state of contract rules apply to all new life insurance applications.

The state of contract will be determined by where the owner signs the application (application state).

Insured or owner:

  • Owns a business in the application state
  • Owns a second residence or real estate property in the application state
  • Employment or business requires the applicant to spend a normal workday in the application state
  • Business relationship in the application state


  • Travels to the state for purposes other than only purchasing life insurance


Applicable to non corporate trusts and corporate trustees

  • Trust established in application state
  • Trustee domiciled in application state

Assuming one of the above conditions is met, the state of contract will be the application state.

For more information and assistance

If you have questions, please contact your Regional Sale Office at 1-800-417-4769.


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©2001-2016 The Phoenix Companies, Inc.

Insurance and annuities issued by Phoenix Life Insurance Company (PLIC) (East Greenbush, NY), PHL Variable Insurance Company (PHLVIC) (Hartford, CT) and Phoenix Life and Annuity Company (PLAC) (Hartford, CT). PHLVIC is not authorized to conduct business in NY and ME. PLAC is not authorized to conduct business in CA, GA, MA, ME, MN, NH, and NY and not authorized to conduct variable universal life insurance business in ID and LA. The insurers referenced are separate entities and each is responsible only for its own financial condition and contractual obligations.

Securities distributed by 1851 Securities, Inc. (Hartford, CT), member FINRA.

Members of The Phoenix Companies, Inc.

Not all products and services described here are available in all states of the USA.