Skip to Main Content
Stronger Together – Learn how we're continuing to help our customers move toward a brighter future.

We're Here to Help - If you are a resident of Louisiana or New Jersey and have been impacted by Hurricane Ida, or a resident of Tennessee affected by recent flooding, call us to learn about your options.

Claims Information FAQs

  • You can file a life insurance claim by: 

    Online:

    myclaim.trustage.com

    Email:

    ConsumerClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-1999, 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, Ext. 483-1999, 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. 

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.
    Please provide the insured's name, date of birth, date of death, and policy number(s).  If you are not the beneficiary on the policy, you may be asked for the beneficiary's address.

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

     
  • You can request a status update from our Claim Professionals by:

    Email:

    ConsumerClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-1999, 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 Ext. 483-1999, 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. 

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

     
  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover. 

    *If the policy was in effect less than 2 years, the claim may be contestable and is subject to a medical review.

  • You can get help from our Claim Professionals by:

    Email:

    ConsumerClaims@cunamutual.com

    Phone:

    Dial 1-800-779-5433 Ext. 483-1999, 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 Ext. 483-1999, 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. 

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

     
  • Proof of death of the policyholder. If the beneficiary belongs to any of the four categories below, you’ll need to submit additional documents.

    If the beneficiary is an 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 (on your claim form). If you do not have one, call the IRS at 1-800-829-4933 to have one created.
    • If the value of the estate does not require a court-ordered review*, you'll need to get a Small Estate Affidavit from the Probate Division of the courthouse in the county where the insured lived.
    * If the value does require a court-ordered review of the deceased's estate, a process known as "probate," a Small Estate Affidavit is not needed.

     

    If the beneficiary is a trust:

    • A copy of the trust agreement. These pages are required: the title page, the appointment of trustees or successor trustees after the death of the insured, and the final page showing the date and witness signatures.
    • A valid Tax ID Number for the trust. If you do not have one, call the IRS at 1-800-829-4933 to have one created.

    If the beneficiary is a minor:

    • A Claimant's Statement completed by an adult family member on behalf of the minor. The payments will be placed in an interest-bearing account with CMFG Life Insurance Company until the minor reaches adulthood*.
    • To have the payments released prior to the time the minor reaches adulthood*, copies of the court appointment papers for guardianship or conservatorship for the minor must be received.
    *Adulthood, or the “age of majority,” is the age at which a person is considered a legal adult. This ranges from 18 to 21 in the U.S.

     

    If the beneficiary is deceased:
    • Proof of death of the deceased beneficiary.
  • All Life insurance (including Variable Universal Life Insurance and Universal Life Insurance) and accidental death and dismemberment (AD&D) insurance death proceeds are not taxable. Any post-mortem interest paid on the benefits is taxable. 

    The gain portion of annuity proceeds may be taxable to the beneficiary when it is distributed. There are several ways to defer the gain. Any interest paid on the benefits is taxable. Contact us for more information on specific settlement options available.

  • TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

    Fax Number: 1-608-236-8030

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • You can file an AD&D death claim by:

    Email:

    ConsumerClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-1999, 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 Ext. 483-1999, 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.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

    Please provide the insured's name, date of birth, date of death, and certificate number(s). If you are not the beneficiary on the contract, you may be asked for the beneficiary's address. Please also send proof of accident resulting in death as well as a finalized copy of the death certificate.
    Examples include:

    • 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.
  • You can check the status of an AD&D death claim with our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, 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 Ext. 483-2339, 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.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover.

    *We will validate that the provisions have been met and no exclusions apply. This may include an investigation of the accident.

  • You can file an AD&D dismemberment claim by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, 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 Ext. 483-2339, 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.  

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

    Please send proof of accident resulting in dismemberment. 

    Examples include:

    • 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.
  • You can check the status of an AD&D dismemberment claim with our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference. Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, 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 Ext. 483-2339, 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.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • You can get help from our Claim Professionals by:

    Email:

    Claimsinfo@cunamutual.com

    Phone:

    Dial 1-800-779-5433 Ext. 483-2339, 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 Ext. 483-2339, 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.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover.

    *We will validate that the provisions have been met and no exclusions apply. This may include an investigation of the accident.

  • TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

    Fax Number: 1-608-236-8030

    TruStage Insurance is issued by CMFG Life Insurance Company, part of TruStage Financial Group, Inc.

  • All Life insurance (including Variable Universal Life Insurance and Universal Life Insurance) and accidental death and dismemberment (AD&D) insurance death proceeds are not taxable. Any post-mortem interest paid on the benefits is taxable. 

    The gain portion of annuity proceeds may be taxable to the beneficiary when it is distributed. There are several ways to defer the gain. Any interest paid on the benefits is taxable. Contact us for more information on specific settlement options available.

    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.
  • You can file a claim by:

    Email: ConsumerClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-799-5433 Ext. 483-1999, 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 1-800-799-5433 Ext. 483-1999, 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.

    Mail:

    TruStage Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

    Please provide the insured's name, date of birth, date of death, and contract number(s). If you are not the beneficiary on the contract, you may be asked for the beneficiary's address.

  • You can request a status update from our Claim Professionals by:

    Email: DS-AnnuityClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-798-6600 Ext.483-1830, 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 1-800-798-6600 Ext.483-1830, 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.

    Mail:

    CMFG Life Insurance Company or MEMEBERS Life Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

  • You can get help from our Claim Professionals by:

    Email: DS-AnnuityClaims@cunamutual.com

    To protect your and the insured's privacy, we encourage you to send notification via the secured email of your preference.  Sending an email or attachments is not secure unless you take the extra step to send it via a secure method.

    Phone:

    Dial 1-800-798-6600 Ext.483-1830, 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 1-800-798-6600 Ext.483-1830, 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.

    Mail:

    CMFG Life Insurance Company or MEMEBERS Life Insurance Company

    PO Box 61

    Waverly, IA 50677-9202

     

  • It normally takes 3-5 business days to process a claim once completed claim information is received from all beneficiaries. A letter and a statement of values are sent out through regular mail. If lump sum payment by check is elected, the check will be sent under separate cover.
  • Proof of death of the policyholder. If the beneficiary belongs to any of the four categories below, you’ll need to submit additional documents.

    If the beneficiary is an 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 (on your claim form). If you do not have one, call the IRS at 1-800-829-4933 to have one created.
    • If the value of the estate does not require a court-ordered review*, you'll need to get a Small Estate Affidavit from the Probate Division of the courthouse in the county where the insured lived.
    * If the value does require a court-ordered review of the deceased's estate, a process known as "probate," a Small Estate Affidavit is not needed.

     

    If the beneficiary is a trust:

    • A copy of the trust agreement. These pages are required: the title page, the appointment of trustees or successor trustees after the death of the insured, and the final page showing the date and witness signatures.
    • A valid Tax ID Number for the trust. If you do not have one, call the IRS at 1-800-829-4933 to have one created.

    If the beneficiary is a minor:

    • A Claimant's Statement completed by an adult family member on behalf of the minor. The payments will be placed in an interest-bearing account with CMFG Life Insurance Company until the minor reaches adulthood*.
    • To have the payments released prior to the time the minor reaches adulthood*, copies of the court appointment papers for guardianship or conservatorship for the minor must be received.
    *Adulthood, or the “age of majority,” is the age at which a person is considered a legal adult. This ranges from 18 to 21 in the U.S.

     

    If the beneficiary is deceased:
    • Proof of death of the deceased beneficiary.
  • The gain portion of annuity proceeds may be taxable to the beneficiary when it is distributed. There are several ways to defer the gain. Any interest paid on the benefits is taxable. Contact us for more information on specific settlement options available.

    All Life insurance (including Variable Universal Life Insurance and Universal Life Insurance) and accidental death and dismemberment insurance death proceeds are not taxable. Any post-mortem interest paid on the benefits is taxable. 

  • TruStage Insurance Company or MEMEBERS Life Insurance Company

    PO Box 61

    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.

  • How to view and update beneficiary information for your policy in your online service account: 

    • Click the ‘My Account’ menu at the top of our website. 
    • Select 'Account Overview’.  
    • Click ‘Beneficiaries’ under a policy to view your current beneficiaries.
    • While viewing your current beneficiaries, click ‘Update Beneficiaries Online’ to make a change.
    Please note, if you make beneficiary updates, we'll email you to confirm we’ve received your updates. Once reviewed, approved, and recorded by us, your updates will show up in your online service account. Your beneficiary list should always include every beneficiary’s name and the percentage of the payments you want to be assigned to each beneficiary. If you need help with beneficiaries, click on the Chat icon when signed into your online account (chat availability varies) or give us a call.