Accidental Death & Dismemberment Insurance
Enrolling is smart. It's also easy. Your no-cost AD&D coverage: it's yours. All you have to do is claim it.
Your credit union membership may qualify you for complimentary AD&D coverage. AD&D insurance can help protect you and your family if you have a fatal accident or one that causes you specific, catastrophic harm.
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Why should I get AD&D insurance?
AD&D is straightforward, affordable insurance that can help protect you and your family when the unexpected happens. Unlike life insurance, it covers you in the event of an injury that results from an accident. AD&D can be a helpful safeguard against the burden of costs associated with injury or death from an accident by providing you and your family with funds when you need them most.
You can sign up in just a few minutes with no health questions and no medical exam.
If you're a member of a participating credit union over the age of 18, you can't be turned down.
AD&D can help you prepare for future expenses, whether they're hospital bills, your mortgage, or even your kids' college funds. Your AD&D insurance benefits can be there for them even if you can't be.
We're here to help you prepare for the unexpected. Enroll in AD&D insurance today.
Product and features may not be available in all states or with all credit unions.
Accidental Death & Dismemberment insurance pays a cash benefit if you die in a covered accident. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger. You can use this money to cover any expenses you have while you focus on recovery.
AD&D is not life insurance, but it can be a good complement to life insurance, enhancing your overall protection and adding coverage for specific injuries from accidents.
You can choose coverage amounts between $10,000 and $500,000.
Yes! If you opt to pay the monthly premium for an Additional Coverage amount, you can also protect your spouse and dependent children at a slightly higher cost when you add the Family Plan.
The Family Plan can cover your spouse for 50 percent and/or your children for 20 percent of the coverage amount you choose. Some features may vary by state.
Your no-cost AD&D insurance lasts as long as you remain a member of a participating credit union or until you decide to terminate it.
Your Additional Coverage lasts as long as you’re a member of a participating credit union and pay your premiums.
What Is Covered
TruStage Accidental Death and Dismemberment (AD&D) Insurance pays a cash benefit if you die in an accident. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger. For coverage amount details, use the link below.
Who Is Eligible
Your credit union membership may qualify you for complimentary no-cost Basic AD&D coverage. If you want to increase your coverage, you can purchase Additional Coverage and choose to protect yourself (Member Only Plan) or protect yourself and your family (Family Plan). Credit union members ages 18 and over, their spouses* and their dependent children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it’s best to refer to the Certificate of Insurance or call 1-888-888-3942 for this information.
* The definition of spouse includes a legal partner as defined by state law.
This Family Plan protects you, your spouse and your dependent children. Your spouse will be insured at 50% of the coverage level you choose. Dependent children will be covered for 20%. If you have no dependent children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose.
Important Benefits of Your Additional Coverage
Increasing Benefit: Each year, the value of your Additional Coverage increases by 5%—up to a total of 50% over 10 years—at no added cost to you. For example, $100,000 grows to $150,000 over 10 years, while your monthly rate stays the same.
Double Accidental Death Benefit: If you die within one year of an accident as a result of traveling on a bus, train, or other public form of transportation as a ticketed passenger—your Additional Coverage benefit doubles. This benefit covers the primary insured only, even if Family Plan is selected.
Seatbelt/Airbag Benefit: Your Additional Coverage payout increases by 10% if you die in a private vehicle accident while wearing a properly fastened seatbelt or are protected by an airbag. If you choose the Family Plan, this benefit extends to your eligible spouse and children.
Child Care Assistance: If you and your spouse are covered by the Family Plan and either of you die in an accident, your Additional Coverage pays up to $160 a month for childcare expenses.
Please Note: Benefits of Additional Coverage may vary by state or by credit union.
Important Information and Limitations
- Once you or your insured spouse reach age 70, the no-cost and Additional Coverage amount for that person is reduced by 50%.
- This is accident only coverage and does not cover loss of life resulting from natural causes.
- Only one benefit is payable per covered person who is insured under these policies.
CMFG Life Insurance Company P.O. Box 1084 • Madison, WI 53701
Questions? Call 1-888-888-3942 If you have questions or need help enrolling, please give us a call. Our expert customer service representatives are happy to assist you.