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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.
  • By Phone: Contact a Claim Professional at 1-800-779-5433, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST 

    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 Professional at 1-800-779-5433, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST 

    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

  • 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.
  • By Phone: Contact a Claim Professional at 1-800-779-5433, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST 

    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 Professional at 1-800-779-5433, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST

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

    By Mail: Send information to:

    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. Copy of certified death certificate
    2. If the death resulted from one of the accidents shown below, please provide the additional documents we need to settle the claim.
    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.
    Why do you need more than a copy of the certified death certificate to settle the claim?
    The death certificate verifies the cause and manner of death. The additional information verifies the accident, when it happened, how it happened and who was involved.
  • 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.)
  • You can view and quickly update your beneficiary information online. Sign-In and click the Beneficiaries link on the Account Overview or Policy Details page. 
     
    If you have questions about your current beneficiaries, you can click on the chat icon to get help now, 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. However, only the named beneficiary(ies) can submit the necessary documentation or evidence to settle the claim.
  • 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.