With FastApply AD&D, you can apply in three minutes or less.

  • No health questions asked
  • Designed to be affordable
  • Acceptance is guaranteed

Apply for your no-cost AD&D coverage now.

Exclusively for credit union members.

Apply for your no-cost AD&D coverage now.

Exclusively for credit union members.

It's a complimentary benefit of credit union membership.



Add more AD&D coverage at a price you'll like.

$100,000 in coverage can cost about $10 a month.

At about $10/month why wait?

With no health questions, it's easy to add more coverage.

Additional coverage can cost about $10 a month for every $100,000 in coverage.



Why is accidental death and dismemberment coverage important?

Important benefits for you and your family:

TruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:

Learn more about this important coverage and how it protects your family.



Apply for your no-cost AD&D coverage now.

Exclusively for credit union members.

It's a complimentary benefit of credit union membership.



Add more AD&D coverage at a price you'll like.

$100,000 in coverage can cost about $10 a month.

Additional coverage can cost about $10 a month for every $100,000 in coverage.



Apply for your no-cost AD&D coverage now.

Exclusively for credit union members.

At about $10/month why wait?

With no health questions, it's easy to add more coverage.

Important benefits for you and your family:

TruStage Accidental Death and Dismemberment Insurance can be an affordable supplement to life insurance. It pays a cash benefit if an accident causes loss of life, or specific permanent injuries. Here are the details of AD&D coverage:

Your no-cost coverage is at least $1,000**
Not available in Puerto Rico.

Questions? We're here to help.
Call 1-888-888-3942

* denotes required fields.
Your no-cost coverage is at least $1,000**
Not available in Puerto Rico.

Retrieving data

Beneficiaries

Naming a beneficiary means money can go directly to someone you choose. You can name more than one beneficiary and divide the funds. You may also add contingent beneficiaries: those who will collect benefits should each primary beneficiary be deceased. Or, you can select ‘No Thanks’ and we will pay benefits according to the policy. Click ‘View Product Details’ at the right for more information on coverage and beneficiaries.

Primary Beneficiaries

    Add Primary Beneficiary
    % Your list of primary beneficiaries and contingent beneficiaries must each add up to 100%.

    Contingent Beneficiaries

      Add Contingent Beneficiary

      Confirm Coverage

      You have accepted  of no-cost coverage.

      Did you know that you can add more TruStage AD&D coverage from CMFG Life Insurance Company? It can be just for you, or include your spouse and/or children. It could be a good idea to add coverage to an AD&D policy. Additional coverage could mean more resources for bills, debts, or even a mortgage payoff.

      And when you discover how inexpensive it can be to increase your coverage, you might realize that adding to your coverage now simply makes sense.


      How does coverage work?

      Payment

      Choose your payment method below. Remember, we can conveniently deduct the premium right from your credit union account.

      You've selected as your financial institution. If this is incorrect, please re-enter the routing number.
      You will be billed directly
      On enrollment, you will be billed on  of the month, .
      *required

      Summary

      Please review the information below carefully. To make a change, just click "Edit". Also, please review Important Information at the bottom of the page and click "Accept & Submit."

      My AD&D Coverage

      • No-Cost Coverage:
      • Additional Coverage:
      • Monthly Premium:
      • Plan Type:
      Edit

      Beneficiary Information

      Primary Beneficiary

      Contingent Beneficiary

      Edit

      Contact Information

      •   
      •   
      • Phone:
      • DOB:
      • E-mail:
      Edit

      Payment Information

      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Credit Card #:  ending in 
      • Expiration Date:
      • Cardholder:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will charge your account in the amount of  on day  of the month, on a  basis.
      Edit

      AD&D Important Info

      Print
      The "I Accept" button at the bottom of this page is very important. When you click it, you're agreeing to all the information shown below, legal details and requirements of electronic transactions, communications, and signatures. You're also agreeing to other important terms and conditions, preauthorized payments and more. Please take a few minutes to review this information and read it thoroughly. If you have any questions or need any assistance, please call us at 1-888-787-8243.
      ______________________________________________________________

      IMPORTANT INFORMATION

      By selecting the "I Accept" button at the bottom of this page, you acknowledge that you have reviewed this information and wish to proceed with enrollment. Accidental Death & Dismemberment Insurance is underwritten by CMFG Life Insurance Company (CUNA Mutual Insurance Society in California and New Mexico), ("the Company").

      Consent and Agreement to Electronic Transactions / Electronic Signature

      By clicking "I Accept" below, you consent to conduct transactions in electronic form. This can include the use of electronic communications, electronic records, electronic signatures for the communications, and electronic notices and disclosures described below.

      You also acknowledge that:
      •You can access and read this Consent and Agreement to use Electronic Signature and Electronic Delivery of Information.
      •You can print this Consent and Agreement.
      •Your electronic signature is the legal equivalent of your written signature, just as if you had signed a paper document.

      You are not obligated to enter into transactions electronically and may conduct insurance transactions in paper format instead.

      It is your responsibility to provide us with an accurate email address as well as other contact information. It is also your responsibility to inform us of any changes in this information.

      If you choose to conduct insurance transactions in paper form, withdraw your consent to electronic transactions, or to would like to update your contact information, please contact CMFG Life Insurance Company. You can call us toll-free at 1-888-787-8243 or write to CMFG Life Insurance Company, P.O. Box 61, Waverly, IA 50677-0061. There is no fee charged for such requests.

      You agree that your electronic signature authorizes the Company to do the following:
      •Electronically process this insurance transaction and any future transactions that may be needed to administer and help keep your coverage in force under the insurance policy.
      •Communicate with you by mail, telephone or email.

      You consent to use electronic communications, electronic records and electronic signatures rather than paper documents for:
      •agreements and contracts, including this Consent and Agreement.
      •notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you.
      •notices, documents, statements, data, records or communications regarding your coverage, including changes in terms of coverage.
      •privacy policies and notices.
      •periodic billing or account statements.

      You understand and agree that this election provides consent to the Company to deliver all notices electronically, including notice of nonrenewal and notice of cancellation. To ensure uninterrupted communication, please be sure to update the email address you provided to the Company in the event this email address should change.

      You understand and agree that in order to access the documents we send to you electronically, a minimum standard of technology is required, The fully functional hardware, software and services necessary include a computer with a Microsoft Windows or Macintosh operating system, Internet access, a working email address and email software, compatible web-browsing software such as Internet Explorer and Internet access services. You understand that you will be deemed to have received the foregoing documents even if you fail to provide the necessary technology.

      A confirmation email will be sent to you upon completion of your enrollment. Please note that after you enroll, you will not have access to your electronic enrollment record. We encourage you to print your enrollment record, including this Important Information, at the time of enrollment.

      Additional Terms and Conditions
      •Your credit union enables this insurance program to be offered and is entitled to compensation from the Company for doing so.
      •You acknowledge and agree that the information you have provided is true and accurate and that you are a member of the credit union you designated.
      •You cannot be the insured under more than one no-cost certificate/policy per credit union. Upon discovery of duplicate enrollment, the duplicate will be voided and coverage will not take effect.

      Preauthorized Payment Authorization

      By clicking "I Accept" below, you authorize the Company to retain your account information and deduct premiums from your checking or savings account or charge your credit card for the additional coverage as indicated above in the Enrollment Summary.

      Fraud Notice

      Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance may be guilty of a crime and subject to fines and confinement in prison, and denial of insurance benefits, depending on state law. Residents of CO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. Residents of DC–WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. Residents of FL and NY: See enrollment form. Residents of AL and MD: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Residents of NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Residents of OH: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Residents of KY and PA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

      The certificate provides limited benefits. Review your certificate carefully.

      E10f-014-2012-WEB

      CMFG Life Insurance Company
      P.O. Box 61, Waverly, IA 50677-0061
      1-888-787-8243

      Print

      Thank you for enrolling in AD&D coverage. You’ve taken an important step in protecting the achievements and aspirations of the people who matter most in your life. Please print out the following for your records. You will receive a policy in the mail officially verifying your coverage. If you have any questions call us at  .

      Enrollment Summary

      Your Confirmation Number: 

      My AD&D Coverage

      • No-Cost Coverage:
      • Additional Coverage:
      • Monthly Premium:
      • Plan Type:

      Contact Information

      •   
      •   
      • Phone:
      • DOB:
      • E-mail:

      Beneficiary Information

      Primary Beneficiary

      Contingent Beneficiary

      Payment Information

      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Credit Card #:  ending in 
      • Expiration Date:
      • Cardholder:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will charge your account in the amount of  on day  of the month, on a  basis.

      AD&D Important Info

      The "I Accept" button at the bottom of this page is very important. When you click it, you're agreeing to all the information shown below, legal details and requirements of electronic transactions, communications, and signatures. You're also agreeing to other important terms and conditions, preauthorized payments and more. Please take a few minutes to review this information and read it thoroughly. If you have any questions or need any assistance, please call us at 1-888-787-8243.
      ______________________________________________________________

      IMPORTANT INFORMATION

      By selecting the "I Accept" button at the bottom of this page, you acknowledge that you have reviewed this information and wish to proceed with enrollment. Accidental Death & Dismemberment Insurance is underwritten by CMFG Life Insurance Company (CUNA Mutual Insurance Society in California and New Mexico), ("the Company").

      Consent and Agreement to Electronic Transactions / Electronic Signature

      By clicking "I Accept" below, you consent to conduct transactions in electronic form. This can include the use of electronic communications, electronic records, electronic signatures for the communications, and electronic notices and disclosures described below.

      You also acknowledge that:
      •You can access and read this Consent and Agreement to use Electronic Signature and Electronic Delivery of Information.
      •You can print this Consent and Agreement.
      •Your electronic signature is the legal equivalent of your written signature, just as if you had signed a paper document.

      You are not obligated to enter into transactions electronically and may conduct insurance transactions in paper format instead.

      It is your responsibility to provide us with an accurate email address as well as other contact information. It is also your responsibility to inform us of any changes in this information.

      If you choose to conduct insurance transactions in paper form, withdraw your consent to electronic transactions, or to would like to update your contact information, please contact CMFG Life Insurance Company. You can call us toll-free at 1-888-787-8243 or write to CMFG Life Insurance Company, P.O. Box 61, Waverly, IA 50677-0061. There is no fee charged for such requests.

      You agree that your electronic signature authorizes the Company to do the following:
      •Electronically process this insurance transaction and any future transactions that may be needed to administer and help keep your coverage in force under the insurance policy.
      •Communicate with you by mail, telephone or email.

      You consent to use electronic communications, electronic records and electronic signatures rather than paper documents for:
      •agreements and contracts, including this Consent and Agreement.
      •notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you.
      •notices, documents, statements, data, records or communications regarding your coverage, including changes in terms of coverage.
      •privacy policies and notices.
      •periodic billing or account statements.

      You understand and agree that this election provides consent to the Company to deliver all notices electronically, including notice of nonrenewal and notice of cancellation. To ensure uninterrupted communication, please be sure to update the email address you provided to the Company in the event this email address should change.

      You understand and agree that in order to access the documents we send to you electronically, a minimum standard of technology is required, The fully functional hardware, software and services necessary include a computer with a Microsoft Windows or Macintosh operating system, Internet access, a working email address and email software, compatible web-browsing software such as Internet Explorer and Internet access services. You understand that you will be deemed to have received the foregoing documents even if you fail to provide the necessary technology.

      A confirmation email will be sent to you upon completion of your enrollment. Please note that after you enroll, you will not have access to your electronic enrollment record. We encourage you to print your enrollment record, including this Important Information, at the time of enrollment.

      Additional Terms and Conditions
      •Your credit union enables this insurance program to be offered and is entitled to compensation from the Company for doing so.
      •You acknowledge and agree that the information you have provided is true and accurate and that you are a member of the credit union you designated.
      •You cannot be the insured under more than one no-cost certificate/policy per credit union. Upon discovery of duplicate enrollment, the duplicate will be voided and coverage will not take effect.

      Preauthorized Payment Authorization

      By clicking "I Accept" below, you authorize the Company to retain your account information and deduct premiums from your checking or savings account or charge your credit card for the additional coverage as indicated above in the Enrollment Summary.

      Fraud Notice

      Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or knowingly presents false information in an application for insurance may be guilty of a crime and subject to fines and confinement in prison, and denial of insurance benefits, depending on state law. Residents of CO: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. Residents of DC–WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits, if false information materially related to a claim was provided by the applicant. Residents of FL and NY: See enrollment form. Residents of AL and MD: Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Residents of NJ: Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Residents of OH: Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Residents of KY and PA: Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or a statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.

      The certificate provides limited benefits. Review your certificate carefully.

      E10f-014-2012-WEB

      CMFG Life Insurance Company
      P.O. Box 61, Waverly, IA 50677-0061
      1-888-787-8243

      Accepted on 9/4/2015 10:41:57 PM E10f-014-2001-WEB
      TruStage Accidental Death and Dismemberment insurance (underwritten by CMFG Life Insurance Company) features guaranteed acceptance and no medical questions.

      WHO IS ELIGIBILE? Credit union members ages 18 and over, their spouses,* and their unmarried, dependent (or handicapped) 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 for this information. *The term spouse includes a legal partner as defined by state law.

      WHAT IS COVERED? Coverage amounts are shown below. Loss must be from a covered injury within 365 days of the accident. Coverage includes 100% of no-cost Basic coverage and, if selected, a percentage (listed below) of Additional Coverage.

      Percentage of
      No-Cost Basic Coverage

      Percentage of
      Member’s Additional Coverage

      Loss of Life

      100%1

      plus

      100%1

      Loss of two of the following: Foot, Hand or Eye

      100%1

      plus

      100%1

      Loss of entire sight in both eyes

      100%1

      plus

      100%1

      Loss of one of the following: Foot, Hand or Eye

      100%2

      plus

      50%3

      Loss of speech or hearing

      100%2

      plus

      50%3

      Loss of thumb and index finger of same hand

      100%2

      plus

      25%4

      Loss of thumb

      N/A

      Lesser of 10% or $1,0005

      1 Greater of 100% or $5,000 for members of VT credit unions.
      2 Greater of 100% or $2,500 for members of VT credit unions.
      3 Greater of 50% or $2,500 for members of VT credit unions.
      4 Greater of 25% or $1,000 for members of ME credit unions.
       Greater of 25% or $2,500 for members of VT credit unions.
      5 Not available for members of ME or VT credit unions.

      Once you or your insured spouse reach age 70, the no-cost and additional coverage amount for that person is reduced by 50%.

      ACCEPTANCE GUARANTEED If you are a member of the participating credit union age 18 or older and you return the enrollment form, you will be accepted. No medical questions are required for enrollment.

      ADDITIONAL BENEFIT AMOUNTS AND PLANS Because the no-cost Basic coverage may not be enough in the event of a covered accident, you have the option of choosing Additional Coverage from $10,000 to $300,000 at affordable rates. In addition, you can choose to protect just yourself with the Single plan or you can protect all of your loved ones with the Family Plan.

      ADDED BENEFITS FOR SINGLE PLAN AND FAMILY PLAN: MOST STATES

      The following additional benefits apply to members of credit unions based in all states except Colorado, Maryland, New York, Nevada, Ohio, Tennessee, Vermont and Washington.

      Hospital Confinement Benefit: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.
      Not available to members of Connecticut, Idaho, and Minnesota credit unions.

      Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years.

      Double Accidental Death Benefits: If the insured dies 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.

      Below are the additional benefits that are part of the Family Plan.
      (All benefits are available in New Jersey for both the Single Plan and Family Plan)

      Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered at 20%. If you have no dependent or handicapped 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.

      College Education Benefit for Children and Spouse: Your beneficiary will receive 2% of your accidental death benefit (up to $3,000 per year) for each of your children (and/or spouse) attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. College education for your spouse will be covered if he/she enrolls as a full-time student within 2 years following the accident. This education benefit is payable up to 5 years.

      Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.
      Not available to members of Connecticut credit unions.

      Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 2% of the deceased person's Additional Coverage amount, up to a maximum of $160 per month.

      Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.
      Not available to members of Connecticut credit unions.

      EXCLUSIONS: Most States
      The following exclusions may not apply or may vary by state as described in the certificate issued.

      This coverage does not cover loss caused by or resulting from:

      • intentional self-inflicted injury;
      • suicide or attempted suicide while sane or insane;
      • being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;
      • declared, undeclared war or war-like act or action by a government, sovereign power, regular or irregular military force, or agent or authority of any of them, including but not limited to insurrection, rebellion, and revolution; the use of any weapons of mass destruction, including but not limited to nuclear, biological or chemical weapons;
      • flying as a pilot or crew member;
      • participating in any kind of race or competition as a professional;
      • operating a motor vehicle with a blood alcohol level exceeding the legal limit as defined by the state law in which the accident occurs;
      • committing or attempting to commit an assault or felony;
      • any disease, sickness, bodily or mental illness, or complication resulting from medical treatment, surgery, pregnancy or childbirth.

       

      TERMINATION OF COVERAGE
      Your coverage cannot be canceled as long as your premiums are paid and the group policy is not terminated.

      EFFECTIVE DATE OF COVERAGE
      You will be mailed a Certificate of Insurance. Your coverage becomes effective with the date shown on the Certificate.

      LIMITATIONS
      The general terms of the insurance plan are described in this summary. A Certificate of Coverage containing exact coverage and benefits will be provided to each participating member.

      ADDED BENEFITS FOR SINGLE PLAN AND FAMILY PLAN: CO, MD, NH, NV, OH, TN, VT

      The following additional benefits apply to members of credit unions based in Colorado, Maryland, Nevada, Ohio, Tennessee, and Vermont.

      Hospital Confinement Benefit: If you or your covered spouse or dependent child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.
      Not available to members of Maryland and Vermont credit unions.

      Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years. (For members of Colorado and Ohio credit unions, your original Additional Coverage amount will increase 7.5% every year until your coverage has increased a full 75%. For members of Maryland and Vermont credit unions, your original Additional Coverage amount will increase 5.5% every year until your coverage has increased a full 55%.)

      Double Accidental Death Benefits: If the insured dies 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.

      Rehabilitation: If you or your covered spouse or child suffers an accidental dismemberment, we will pay a benefit for outpatient rehabilitation services. The benefit amount is equal to $100 per session and is limited to the lesser of 10% of his/her Additional Coverage amount or $5,000.

      Below are the added benefits that are part of the Family Plan.

      Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered for 20%. If you have no dependent or handicapped 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.

      College Education Benefit For Children: If you or your spouse dies from a covered injury, a benefit equal to 2% of the deceased person's Additional Coverage amount (up to $4,000 per year) will be paid to each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies, after the death, up to a maximum of 5 years. If there are no covered children, or none that is eligible for this benefit at the time of the death, the beneficiary will receive a lump sum payment of $3,500.

      College Education Benefit For Spouse: If you die from a covered injury, a benefit equal to 2% of your Additional Coverage amount (up to a maximum of $4,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of the death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

      Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $400 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

      Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.

      Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

      Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.

      EXCLUSIONS: CO, MD, NV, OH, TN, VT
      The following exclusions may not apply or may vary by state as described in the certificate issued.

      This coverage does not cover loss caused by or resulting from

      • intentional self-inflicted injury;
      • suicide or attempted suicide while sane or insane;
      • being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;
      • declared, undeclared war or war-like act or action by a government, sovereign power, regular or irregular military force, or agent or authority of any of them, including but not limited to insurrection, rebellion, and revolution; the use of any weapons of mass destruction, including but not limited to nuclear, biological or chemical weapons;
      • flying as a pilot or crew member;
      • participating in any kind of race or competition as a professional;
      • operating a motor vehicle with a blood alcohol level exceeding the legal limit as defined by the state law in which the accident occurs;
      • committing or attempting to commit an assault or felony;
      • any disease, sickness, bodily or mental illness, or complication resulting from medical treatment, surgery, pregnancy or childbirth.

       

      TERMINATION OF COVERAGE
      Your coverage cannot be canceled as long as your premiums are paid and the group policy is not terminated.

      EFFECTIVE DATE OF COVERAGE
      You will be mailed a Certificate of Insurance. Your coverage becomes effective with the date shown on the Certificate.

      LIMITATIONS
      The general terms of the insurance plan are described in this summary. A Certificate of Coverage containing exact coverage and benefits will be provided to each participating member.

      ADDED BENEFITS FOR SINGLE AND FAMILY PLAN: NEW YORK

      The following additional benefits apply to members of credit unions based in New York.

      Cost of Living Benefit: Every year, on the anniversary date of your enrollment, your Additional Coverage will be increased by 10%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 100%. For example, if you select $300,000 of coverage, your benefit will increase to $600,000 after 10 years.

      Double Accidental Death Benefits: If the insured dies 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.

      Below are the added benefits that are part of the Family Plan.

      Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 60% of the coverage level you choose. Dependent and handicapped children will be covered for 25%. If you have no dependent or handicapped children, your spouse will be covered for 75%. If you do not have a spouse, each of your dependent children will be insured for 40% of the coverage level you choose.

      College Education Benefit For Children: If you or your spouse dies from a covered injury, a benefit equal to 3% of the deceased person's Additional Coverage amount (up to $6,000 per year) will be paid for each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies after your death, up to a maximum of 5 years. If there are no covered children, or none of whom is eligible for this benefit at the time of the death, the beneficiary will receive a lump sum payment of $3,500.

      College Education Benefit For Spouse: If you die from a covered injury, a benefit equal to 3% of your Additional Coverage amount (up to a maximum of $6,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of the death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

      Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $600 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

      Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

      Grief Counseling: This unique benefit pays for counseling services (within 1 year of a covered person's accidental death) for covered survivors. The benefit amount is equal to $50 per session, and is limited to a total of 10 sessions for all covered survivors combined.

      EXCLUSIONS: NY
      The following exclusions may not apply or may vary by state as described in the certificate issued.

      This coverage does not cover loss caused by or resulting from

      • intentional self-inflicted injury;
      • suicide or attempted suicide while sane or insane;
      • being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;
      • declared, undeclared war or any act of war;
      • flying as a pilot or flight crew member except for Professional and Military Pilot or Crew Members (for Additional Coverage only): A total benefit equal to 20% of the Additional Coverage amount will be paid if a covered person is: (1) a professional pilot or crew member and suffers an accidental death or accidental dismemberment while flying a regularly scheduled passenger flight carrying ticketed, fare-paying passengers; or (2) a military pilot or crew member and suffers an accidental death or accidental dismemberment while flying on a military aircraft operating under the authority of any U.S. Armed Forces. (No other benefit is payable for such loss.);
      • committing or attempting to commit an assault or felony;
      • any disease, sickness, bodily or mental illness, or complication resulting from medical treatment, surgery, pregnancy or childbirth.

       

      TERMINATION OF COVERAGE
      Your coverage cannot be canceled as long as your premiums are paid and the group policy is not terminated.

      EFFECTIVE DATE OF COVERAGE
      You will be mailed a Certificate of Insurance. Your coverage becomes effective with the date shown on the Certificate.

      LIMITATIONS
      The general terms of the insurance plan are described in this summary. A Certificate of Coverage containing exact coverage and benefits will be provided to each participating member.

      ADDED BENEFITS FOR SINGLE PLAN AND FAMILY PLAN: WA

      The following additional benefits apply to residents of Washington.

      Hospital Confinement Benefit: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.

      Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 25%. For example, if you select $300,000 of coverage, your benefit will increase to $375,000 after 10 years. (For residents of Washington, your original Additional Coverage amount will increase 3.5% every year until your coverage has increased a full 35%).

      Double Accidental Death Benefits: If the insured dies 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.

      Rehabilitation: If you or your covered spouse or child suffers an accidental dismemberment, we will pay a benefit for outpatient rehabilitation services. The benefit amount is equal to $100 per session and is limited to the lesser of 10% of his/her Additional Coverage amount or $5,000.

      Below are the added benefits that are part of the Family Plan.

      Family Plan Overview: The Family Plan protects you, your spouse and your dependent (or handicapped) children. Your spouse will be insured at 50% of the coverage level you choose. Dependent and handicapped children will be covered at 20%. If you have no dependent or handicapped 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.

      College Education Benefit for Children: If you or your spouse dies from a covered injury, a benefit equal to 2% of the deceased person's Additional Coverage amount (up to $4,000 per year) will be paid for each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 12th grade and attend college full-time within 1 year following the accident. This education benefit is payable each year your covered child qualifies after your death, up to a maximum of 5 years. If there are no covered children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $3,500.

      College Education Benefit for Spouse: If you die from a covered injury, a benefit equal to 2% of your Additional Coverage amount (up to a maximum of $4,000 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 1 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of death, he or she may choose to receive a one-time lump sum benefit payment equal to $2,000. If there is no covered spouse, we will pay a one-time lump sum benefit of $2,000.

      Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 14) require child care service. Child care service must be provided for at least 120 hours per month. The monthly benefit amount (payable for 1 year following the accident) is 1/12 of 6% of the deceased person's Additional Coverage amount, up to a maximum of $400 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $2,500.

      Child Savings Fund: If you die as the result of a covered accident while the Family Plan is in force, your beneficiary will receive $1,000 for each child who is an insured dependent on the date of the accident.

      Common Disaster: If both you and your spouse die as a result of the same accident (and within 90 days of the accident), your spouse's coverage will increase to 100% of your additional amount.

      EXCLUSIONS: (Residents of Washington
      The following exclusions may not apply or may vary by state as described in the Policy issued.

      This coverage does not cover loss caused by or resulting from

      • intentional self-inflicted injury;
      • suicide or attempted suicide while sane or insane;
      • being intoxicated or as a consequence of taking, using or being under the influence of any narcotic unless administered on the advice of a physician;
      • declared, undeclared war or any act of war;
      • flying as a pilot or flight crew member except for Professional and Military Pilot or Crew Members (for Additional Coverage only): A total benefit equal to 20% of the Additional Coverage amount will be paid if a covered person is: (1) a professional pilot or crew member and suffers an accidental death or accidental dismemberment while flying a regularly scheduled passenger flight carrying ticketed, fare-paying passengers; or (2) a military pilot or crew member and suffers an accidental death or accidental dismemberment while flying on a military aircraft operating under the authority of any U.S. Armed Forces. (No other benefit is payable for such loss.);
      • participating in any kind of race or competition as a professional;
      • committing or attempting to commit an assault or felony;
      • any disease, sickness, bodily or mental illness, or complication resulting from medical treatment, surgery, pregnancy or childbirth.

       

      TERMINATION OF COVERAGE
      Your coverage cannot be canceled as long as your premiums are paid.

      EFFECTIVE DATE OF COVERAGE
      You will be mailed a Policy of Insurance. Your coverage becomes effective with the date shown on the Policy.

      LIMITATIONS
      The general terms of the insurance plan are described in this summary. A Certificate of Coverage (and Policy for Additional Coverage) containing exact coverage and benefits will be provided to each participating member.

      TruStage™ Accidental Death and Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

      Underwritten by CMFG Life Insurance Company
      P.O. Box 61, Waverly, IA 50677-0061
      1-888-888-3942

      Members of credit unions based in all states except Colorado, New Hampshire, Maryland, New York, Nevada, Ohio, Tennessee, Vermont and Washington
      Base Policy Series E10-ADD-2012 and E10a-014-2012

      Members of credit unions based in Colorado, Maryland, New Hampshire, New York, Nevada, Ohio, Tennessee and Vermont
      Base Policy Series E10a-015-2012

      Residents of Washington
      Base Policy Series E10a-015-2012 and F10a-015-2012-1(WA)

      Advertising form number
      ADD-1171895.1

      Add more AD&D coverage at a price you'll like.

      $100,000 in coverage can cost about $10 a month.

      Additional coverage can cost about $10 a month for every $100,000 in coverage.



      Why is accidental death and dismemberment coverage important?

      Learn more about this important coverage and how it protects your family.



       
       

      Learn more about TruStage AD&D

      View Infographic
      • What is TruStage?

        Insurance endorsed by your credit union, more than 16 million members strong.

        TruStage is insurance the credit union way. Our products-life insurance, accidental death and dismemberment insurance and an auto and home insurance program-are made available through the TruStage Insurance Agency and offered only to credit union members.

        Today, more than 16 million members rely on us for products, programs, services, expertise and experience. With a commitment to dependability and a members-first philosophy, we strive to help you achieve the Insurance protection you want for your family.

        Learn More about TruStage,our history, and how we help protect what matters most.

      • FAQs

        What is AD&D insurance?

        Accidental death and dismemberment insurance (AD&D) is insurance coverage that pays a cash benefit in the event of an accident that causes death or a serious covered injury.

        The National Institutes for Health report that accidents are the leading cause of death for those 44 and under.* That’s why AD&D can be a good supplement to life insurance, enhancing your overall protection and adding coverage for specific serious injuries from accidents.

        *Accident statistic from CDC/National Center for Health Statistics, “Deaths: Final Data for 2013, Table 9.”

        Why should I consider AD&D coverage?

        If a serious accident occurs, AD&D could help your family in a time of need. It can be an affordable supplement to life insurance and offers these built-in benefits:

        • No medical questions and acceptance is guaranteed. If you’re a credit union member over the age of 18, you can’t be turned down.
        • An inflation-protection benefit. The AD&D policy you buy has a built-in “cost of living” benefit. Your coverage increases over time at no added cost to you. 
        • Fast and easy online application. In minutes, you can apply for no-cost coverage or add more coverage—right online. Our FastApply AD&D process is quick and easy. Usually it takes three minutes or less.
        Please note: Once you or your insured spouse reach age 70, the no-cost and additional coverage amount for that person is reduced by 50%.
        Can I protect my family members too?
        • You can choose single or family coverage. Single coverage applies only to you, while family coverage applies to you, your spouse, your dependent children, or children with disabilities.
        • With family coverage, your spouse will be insured at 50% of the coverage level you choose. Children (either dependent or with disabilities) will be covered at 20%.
        • Family coverage also includes additional benefits for child care and college education.
        How long will my AD&D coverage last?
        • Complimentary AD&D coverage remains in effect as long as the policy is not terminated and you remain a member of a participating credit union.
        • Additional AD&D coverage remains in effect as long as your premiums are paid.
        Is there a cost-of-living benefit?

        Yes. Every two years, on the anniversary of your coverage, additional coverage will be increased 5% at no added cost to you. Over the years, you can get up to a 25% increase maximum.

        What is FastApply AD&D?

        FastApply AD&D is an online application process we created to make it fast and easy to do two things:

        1.   Claim your complimentary AD&D coverage, made available by your credit union.

        2.   Apply for additional AD&D coverage if you like.

      • AD&D Extra Protection Matters

        TruStage AD&D (underwritten by CMFG Life Insurance Company) can be an affordable supplement to life insurance. If a serious accident occurs,AD&D could help your family in its time of need.

        Coverage can be affordable. Because it only applies to accidents, it can cost about $10 per month for $100,000 in protection.

        Acceptance is guaranteed. There are no health questions or medical exams. If you're a member of a participating credit union and over 18, you cannot be turned down.

        Claim your complimentary AD&D protection, paid for by your credit union  as a benefit  of membership.

        For additional AD&D coverage
        , including coverage for your family, start here.