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Accidental Death & Dismemberment FAQs

  • No, you’re not covered when your policy is inactive. Make a payment on your policy to reinstate your coverage.
  • Accidental death and dismemberment insurance proceeds are not taxable. Any interest paid on the benefits is taxable.
  • You can request a status update from our Claims Professionals by:

     

    Phone:

    Dial 1-800-779-5433, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

     

    Email:

    WavClaimsMail@cunamutual.com

     

    Mail:

    CMFG Life Insurance Company or MEMBERS Life Insurance Company 

    2000 Heritage Way

    Waverly, IA 50677-9202

  • You can contact us by:

     

    Phone:

    Dial 1-800-779-5433, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433, Monday through Friday, 7:30 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

     

    Email:

    WavClaimsMail@cunamutual.com

     

    Mail:

    CMFG Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

  • Go to Account Overview and click on View Policy Details or View Contract Details. Please refer to your contract for additional features and benefits or call for friendly help and expert assistance.
  • You can get help by:

     

    Phone:

    Dial 1-800-779-5433, Monday - Friday, 7:30 a.m. - 5:00 p.m. CST.

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433, Monday - Friday, 7:30 a.m. - 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

     

    Email:

    WavClaimsMail@cunamutual.com

     

    Mail:

    CMFG Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

  • You can file a claim by:

     

    Phone:

    Dial 1-800-779-5433, Monday through Friday, 7:00 a.m. to 5:00 p.m. CST. 

    For assistance by TTY: dial 711 and ask to be connected to 1-800-779-5433, Monday through Friday, 7:00 a.m. to 5:00 p.m. CST. Dialing 711 connects you to Telecommunications Relay Services (TRS). TRS permits persons with a hearing or speech disability to use the telephone system via a text telephone (TTY) or other devices to call persons with or without such disabilities. TRS calls have no time limits and are confidential.

     

    Email:

    WavClaimsMail@cunamutual.com

     

    Mail:

    CMFG Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202


    If the death resulted from one of the accidents shown below, please provide the additional documents we need to settle the claim. You must also send a copy of a certified death certificate, showing the date of death and cause of death.

    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.
  • 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.

    Delivery methods available include: 

    Method Time Charges
    Check sent via U.S. Postal Service Sent the day after the request is processed. Receipt depends on U.S. Postal Service. None
    Check sent via Overnight Delivery Service Sent the day after request is processed. For most areas, you will receive the check the next business day. Some remote areas take 2 business days. $25.00
    Wire to your account Funds will be credited to your account the day after we process your request. We need the name of your financial institution, routing and account numbers, type of account (savings, checking or share draft) and names on the account. $25.00
    Electronic Funds Transfer Funds will be credited to your account with 48 hours (business days) after your request is processed. We need the name of your financial institution, routing and account numbers, type of account (savings, checking or share draft) and names on the account. None


    1. A certified copy of the death certificate for the policyholder. 

      Why do you need a certified copy of the death certificate AND additional documents to settle the claim? The death certificate confirms the cause and manner of death. The additional information confirms the accident, when and how it happened, and who was involved.

    2. You may need to submit additional documents to settle the claim if the death resulted from one of the accidents below.
    • Motor Vehicle Accident: You’ll need to send the Police Report and the Blood Alcohol Report if the insured was driving.
    • A Fall: In this case, you’ll need to send the Police/Accident/Incident Report or the Attending Physician’s Statement.
    • Prescription overdose: In this situation, you’ll need to send the Police/Accident/Incident Report and a list of the insured’s prescriptions from a doctor or pharmacist.
    • Homicide: You will need to send the Police/Accident/Incident Report.
  • Accidental Death and Dismemberment Insurance, also called "AD&D", is insurance coverage that pays a cash benefit in the event of a covered injury or death due to an accident.
  • Accidental death and dismemberment insurance only pays a benefit as the direct result of an accident. Life insurance pays no matter how a death occurs.
  • You can choose single coverage or family coverage. Single coverage applies only to you. Family coverage 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%. Family coverage also includes additional benefits for child care and college education, as well as a child savings fund benefit. (Exact benefit features may vary by state.)
  • To view and submit a beneficiary update online, Log in to your account, go to Account Overview or Policy Details, and click the Beneficiaries link.

    If you need help with beneficiaries, click on the Chat icon when signed into your online account (chat availability is variable) or give us a call.

  • CMFG Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

    Fax Number: 1-608-236-8030

  • Anyone can notify us of a death. But only named beneficiaries noted in your policy can submit the necessary documents or evidence to claim the payments.
  • Your AD&D coverage amount may show $0.00 because your credit union no longer offers this benefit, or you are no longer a member of that credit union. In some cases, complimentary coverage can expire.