CMFG Life Insurance Company
PO Box 3148
Milwaukee, WI  53201-3148

Please include the billing notice (if available) or write your policy number on your check.

You can pay by check, debit/credit card or a direct deduction from your checking/savings account. You can choose to be billed through the mail (quarterly, semiannually or annually) or make automatic payments.

Payment by Mail: Simply mail your check to us, using the address above. Please include the billing notice (if possible) or write the policy number on your check.

Payment Online by Credit/Debit Card: We accept MasterCard, Visa and  Discover cards. Charges can be made monthly, quarterly, semiannually, or annually. Charges to your credit card can occur on the 1st, 5th, 10th, 15th, 20th, or 25th day of the month.

Payment Online by Checking/Savings Account Deduction: You can use your checking or savings accounts for a direct deduction of your payment. You can choose monthly, quarterly, semiannual or annual payments. The payment deductions can occur on any date between the 1st and 26th day of the month.

Payment by Phone: Please call toll-free at 1-866-284-7748 to use this automated system.

Online:  Simply log in to your account and click on the Setup/Change Automatic Payment Plan option.

Mail or Fax: Alternatively, you can select the Preauthorized Payment Plan Form and print it yourself. Simply complete the form, sign it, and mail or fax it to our office.

CMFG Life Insurance Company
PO Box 61
Waverly IA  50677-0061

Fax number: 1-608-236-8030

Yes. Your policy has a 31-day grace period. This means that if the premium is not paid on or before the due date, it may still be paid during the 31 days following the due date. During the grace period, the insurance will stay in effect. Please note that the grace period does not apply to your first premium payment or if your policy is terminated.

By Phone: Please call us toll-free at 1-866-284-7748 and a Service Specialist will be glad to help.

By Mail or Fax: You can send a written request. Please include your (or the insured's) name, policy number, 16-digit credit/debit card number and the new expiration date. The credit/debit card holder must sign the request to provide authorization. Please send or fax the request to:

CMFG Life Insurance Company
ATTN: Billing Services
PO Box 61
Waverly, IA 50677-0061

Fax number: 1-608-236-8030

Online: Simply log in to your account and click on the Stop Automatic Account Deductions option.

If you currently receive your bills through the mail, please call us at 1-888-787-8243 and a Service Specialist will assist you in changing your billing frequency.

If you do not receive bills through the mail, you can change your billing frequency two ways:

1. Online: Please log in to your account and click on the Premium Mode Change option. If your premium is automatically deducted from your checking/savings account or charged to a debit/credit card, click on the option to Setup/Change Automatic Payment Plan. In the dropdown box next to Billing Frequency, simply change the frequency to monthly, quarterly, semi-annual or annual.
                                                   
2. By Phone: Please call us toll-free at 1-866-284-7748.

Yes. There is no fee for either service. You will need your policy number to use these systems, so please have it available when you log in or call. You can find your policy number in the top right corner of the Notice of Premium Due. Alternatively, in other correspondence, it is typically found in the "regarding" line of a letter.

Online: To make a single payment from your checking account, please log in to your account and click on the Make a Payment option.

By Phone: Call 1-866-284-7748 to use this automated system.

If you should pass away while the loan is outstanding, the loan balance and interest due is subtracted from the death benefits payable to your beneficiary(ies). For more information, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Please send a separate check or money order. It is very important to  indicate on the memo line that the payment is a loan repayment. Without this indication on your check or money order, the payment will be applied to your premium.

Please mail check or money order, noting loan repayment, to: CMFG Life Insurance Company
PO Box 3148
Milwaukee, WI  53201-3148

Yes. Interest is charged based on your policy provisions. For more information, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

If loan repayments are not made, interest will continue to accrue. It is possible for your policy to terminate if its value is not sufficient to support the outstanding loan and interest. For more information, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

You may be eligible to reinstate your policy by paying past premiums and providing evidence of insurability. For more information, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Simply log in to your account and select address change under the service options, or contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT. Please note that address changes are permitted only if you are the owner of your policy.

To change your beneficiary, download and complete the form on the Member Services page. Please make a copy for your records. Send the original form, signed by the owner, to this address:

CMFG Life Insurance Company
PO Box 61
Waverly, IA 50677-0061

For more information or assistance, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Yes. If you name more than one beneficiary, proceeds will be split equally among them unless you have indicated otherwise. Benefits can be designated in varying amounts.

Only the owner of the certificate has the right to change the beneficiary designation.

The primary beneficiary is the person(s) or party you designate to receive the benefits at the time of a claim.

The contingent beneficiary is the person(s) or party you designate to receive the benefits only if no primary beneficiary(ies) is living at the time of a claim.

Your policy will reflect if you have additional insured riders. For more information, please call a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Yes, however coverage can only be decreased. For more information, please call a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Please call a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT for further assistance.

Your premium will change based on the coverage amount. For more information, please call a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Yes. For more information, please contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

After the ownership has been changed, we only provide information to the owner of the policy. However, the owner of the policy may grant you access, but a special form is required. For more information, please contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Possibly. To find out about tax implications or consequences of an ownership change, please contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

Online: Submit the online claim notification form found on the Member Service page. If you are the beneficiary, download this form, complete it and mail or fax it to us at 1-608-236-8030.

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

Email: You may email us at:
WavClaimsMail@cunamutual.com

Please provide the insured's name, date of birth, date of death, and policy number(s).

If you are not the policy beneficiary, you may be asked for the beneficiary's address. With complete information, a Service Specialist will send a claims package along with a cover letter documenting any requirements necessary for processing the claim. Typically these requirements include a request for a copy of a certified death certificate and a claim form completed by the beneficiary. The information requested in the requirements letter should be sent in the return envelope provided with the claims package.

Please note: Policies in force for two years or less will require additional documentation for claim review.

By Phone: Contact a Service Specialist at 1-888-787-8249, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at: WavClaimsMail@cunamutual.com

By Mail: You can request a status update in writing by sending a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

It normally takes 3-5 business days to process a claim. A letter, a statement of values and the settlement check are sent out through regular mail.

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: You can request a status update in writing by sending a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202   

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at: WavClaimsMail@cunamutual.com

By Mail: Send a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at: WavClaimsMail@cunamutual.com

By Mail: Send a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202 

Fax Number:  1-608-236-8030

1. Claim form completed by Beneficiary
2. Copy of certified death certificate

Additional Information is required:
If Beneficiary is Estate:

• Letters of Testamentary or Authority issued by the Probate Court showing the name and address of the executor or personal representative of the estate.
  
• A valid Tax ID Number for the estate (provide on claim form).  If you do not have an ID #, one can be obtained by calling the IRS at 1.800.829.4933.
  
• If there are not enough assets to probate an estate, please obtain a Small Estate Affidavit from the county court house – Probate division, where insured resided.
  
• The enclosed Claimant’s Statement completed by the executor or personal representative of the estate or each heir named in the Small Estate Affidavit.
  

If Beneficiary is Trust:

• A copy of the trust agreement. The pages of the Trust required are: the title page, the appointment of trustees or successor trustees after death of the insured and the final page showing the date and witness signatures.
  
• A copy of the certified death certificate stating the cause of death for.
  
  The enclosed Claimant's Statement completed by the trustee.
  
• A valid Tax ID number for the trust. If you do not have an ID #, one can be obtained by calling the IRS at 1.800.829.4933.

If Beneficiary is a Minor:

• Adult family member can complete the claim form on behalf of the minor.  The funds will be placed in an interest bearing account with our company until the minor reaches legal age.
• To have the funds released prior to the time the minor reaches age of majority, copies of the court appointment papers for guardianship or conservatorship for the minor child must be received.

If Beneficiary is Deceased:

• Proof of death for the deceased beneficiary.

No. However, you may download and print the Beneficiary Designation form found on the Member Service page. When complete, mail the form to the following address or fax it to us at 1-608-236-8030.

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

Anyone can notify us of a death. However, only the named beneficiar(ies) can complete the claim form and submit the necessary documentation or evidence to settle the claim.

No. Life insurance proceeds are not taxable.

CMFG Life Insurance Company
PO Box 3185
Milwaukee, WI 53201-3185

Please include the billing notice (if available) or write your certificate number on your check.

You can pay by check, debit/credit card or a direct deduction from your checking/savings account. You can choose to be billed through the mail (quarterly, semiannually or annually) or make automatic payments.

Payment by Mail: Simply mail your check to us, using the address above. Please include the billing notice (if possible) or write the certificate number on your check.

Payment Online by Credit/Debit Card: We accept MasterCard, Visa and  Discover cards. Charges can be made monthly, quarterly, semiannually, or annually. Charges to your credit card can occur on the 1st, 5th, 10th, 15th, 20th, or 25th day of the month. 

Payment Online by Checking/Savings Account Deduction: You can use your checking or savings accounts for a direct deduction of your payment. You can choose monthly, quarterly, semiannual or annual payments. The payment deductions can occur on any date between the 1st and 26th day of the month.

Payment by Phone: Please call toll-free at 1-866-284-7748 to use this automated system.

Online:  Simply log in to your account and click on the Setup/Change Automatic Payment Plan option.

Mail or Fax: Alternatively, you can select the Preauthorized Payment Plan Form and print it yourself. Simply complete the form, sign it, and mail or fax it to our office.

CMFG Life Insurance Company
PO Box 61
Waverly IA  50677-0061

Fax number: 1-608-236-8030

By  Phone: Please call us toll-free at 1-866-284-7748 and a Service Specialist will be glad to help.

By Mail or Fax: You can send a written request. Please include your (or the insured's) name, policy number, 16-digit credit/debit card number and the new expiration date. The credit/debit card holder must sign the request to provide authorization. Please send or fax the request to: 

CMFG Life Insurance Company
ATTN: Billing Services
PO Box 61
Waverly, IA 50677-0061

Fax number: 1-608-236-8030

If you currently make automatic payments: If your premium is currently being charged to a debit/credt card or deducted from your checking/savings account, call us toll free at 1-866-284-7748.

If you currently receive your bills through the mail: Please call us at 1-888-787-8243 and a Service Specialist will assist you in changing your billing frequency.

Yes. There is no fee for either service. You will need your policy number to use these systems, so please have it available when you log in or call. You can find your policy number in the top right corner of the Notice of Premium Due. Alternatively, in other correspondence, it is typically found in the "regarding" line of a letter.

Online: To make a single payment from your checking account, please log in to your account and click on the Make a Payment option.

By Phone:  Call 1-866-284-7748 to use this automated system.

To change your beneficiary, download and complete the form on the Member Services page. Please make a copy for your records. Send the original form, signed by the owner, to this address:

CMFG Life Insurance Company
PO Box 61
Waverly, IA 50677-0061

For more information or assistance, contact a Service Specialist at 1-888-787-8243 Monday through Friday, 7:00  a.m. to 7:00 p.m. CT.

Online: Submit the online claim notification form found on the Member Service page. If you are the beneficiary, download this form, complete it and mail or fax it to us at 1-608-236-8030.

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

Accident resulted from:
Motor Vehicle Accident: Please send the Police Report and the Blood Alcohol Report if the insured was the driver.

Fall - Please send the Police/Accident/Incident Report or the Attending Physician's Statement.

Prescription Overdose - Please send the Police/Accident/Incident Report and a list of prescriptions from a doctor or pharmacist.

Homicide - Please send the Police/Accident/Incident Report.

By Phone: Contact a Claim Specialist at 1-888-787-8249, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: You can request a status update in writing by sending a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: You can request a status update in writing by sending a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: You can request a status update in writing by sending a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: Send a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202       "

By Phone: Contact a Claim Specialist at 1-888-787-8243, extension 4833351, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By email: You may e-mail us at:  WavClaimsMail@cunamutual.com

By Mail: Send a letter to:

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202 

Fax Number: 1-608-236-8030

No. However, you may download and print the Beneficiary Designation form found on the Member Service page. When complete, mail the form to the following address or fax it to us at 1-608-236-8030.

CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202