Insurance and final expense claims FAQs

You’ve got so many demands on your time - filing a claim shouldn’t be one of them. Making a new claim or checking the status of an existing claim is simple. And you can always reach out to us by phone or email for more assistance.

A claims phone agent assisting customers.

When you are ready to file a disability, involuntary unemployment, or life claim, you can quickly and easily use our online claim portal listed below.

Online:

lendingclaim.trustage.com

Or other options to file your claim include:

Phone:

Dial 1-800-621-6323, Monday through Friday, 8:00 a.m. to 5:00 p.m. CST.

Email:

[email protected]

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.

Mail:

TruStage Insurance Company

PO Box 5010

Madison, WI 53705-0010

Fax:

Our fax number is 1-855-726-2513. Please address the fax to TruStage, Attn: Lending Claims.
You can check your claim status and find answers to your questions via:

Online:

lendingclaim.trustage.com

Phone:

Dial 1-800-621-6323, Monday through Friday, 8:00 a.m. to 5:00 p.m. CST.

Email:

[email protected]

Mail:

Claims

PO Box 5010

Madison, WI 53705-0010

Fax:

855.726.2513 (Toll-Free)

When you are ready to file a life insurance claim, you can do so via:

Online:

consumerclaim.trustage.com

Email:

[email protected]

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, 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.

Mail:

TruStage Insurance Company

PO Box 61

Waverly, IA 50677-9202

TruStage™ Insurance is issued by CMFG Life Insurance Company and is the marketing name for 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.
When you are ready to send in your completed claim documents, you can do so via:

Online:

consumerclaim.trustage.com/document-upload

Email:

[email protected]

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.

Fax:

Dial 1-608-236-8030

Mail:

TruStage Insurance Company

PO Box 61

Waverly, IA 50677-9202

TruStage™ Insurance is issued by CMFG Life Insurance Company and is the marketing name for 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 get help from our Claim Professionals by:

Email:

[email protected]

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.

Mail:

TruStage Insurance Company

PO Box 61

Waverly, IA 50677-9202

TruStage™ Insurance is issued by CMFG Life Insurance Company and is the marketing name for 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.
Life insurance death benefits can be disbursed through various settlement options as specified in the policy. Options that may be available to you, as a beneficiary, vary depending on the policy, death benefit value, age of the beneficiary, life expectancy and gender may factor in on the availability of the settlement options.

Lump Sum Payment
- Death proceeds are paid to you as a single payment.
- Your payment may be sent by check or electronic funds transfer to United States Bank account.
Interest Option
- Principal of the death benefit is held in an account where interest is accrued.
- You have the option of leaving the interest in the account to accumulate or have it paid out to you.
- Interest earnings are reportable each year.
- Interest rate is based on the policy.
- Withdrawals are allowed and you can surrender at any time.
Level Installments for a Fixed Period
- Payments are paid to you for the duration you select; minimum and maximum durations are stated in the life policy.
- Each payment consists of a taxable benefit and a nontaxable benefit and is reportable in the year payments are made.
- This option does not allow withdrawals or surrenders.
Level Installments Payments for Life
- Payments are paid to you for your lifetime.
- Proof of age is required (copy of birth certificate, passport or driver’s license).
- Each payment consists of a taxable benefit and a nontaxable benefit and is reportable in the year payments are made.
- This option does not allow withdrawals or surrenders.
Contact us for questions regarding any of the above settlement options. Please provide the insured's name, date of birth, date of death, and policy number(s).

Email: [email protected]

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: 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.

Mail: TruStage Insurance Company. PO Box 61, Waverly, IA 50677-9202

TruStage™ Insurance is issued by CMFG Life Insurance Company and is the marketing name for TruStage Financial Group, Inc.
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:
- Log in at the top of our website, or under the For Individuals option select I want to...Manage my account.
- Next log in to your personal account.
- View the Beneficiary Details section for your current beneficiary information.
- To make a change select the button to view your update options.
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, select the Chat icon when logged in to your online account (chat availability varies) or give us a call.

To start the claims process for a Funeral Preplanning Insurance or Final Expense Insurance policy, please download one of the following forms:

File a Claim as a Beneficiary

File a Claim as a Funeral Home

Release of Medical Records

Once you've filled in, printed, and signed the form, you can return it by email or fax with supporting documents:

Email: [email protected] (name and policy number in subject line)

Fax: 605-719-0601 (name and policy number on the cover page)

For assistance, or if you prefer to start your claim via phone, give us a call:

Funeral Preplanning Insurance policies, call 1-800-533-2220

Final Expense Insurance policies, call 1-800-621-7162

You can get help from our Claim Professionals by:
Email:

[email protected]

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 and is the marketing name for TruStage Financial Group, Inc.
When you are ready to file an AD&D death claim, you can do so via:

Online:

consumerclaim.trustage.com

Email:

[email protected]
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 and is the marketing name for 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 contact our Claim Professionals by:
Email:

[email protected]
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 and is the marketing name for TruStage Financial Group, Inc.
You can check the status of an AD&D death claim with our Claim Professionals by:
Email:

[email protected]
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 and is the marketing name for 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.
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.
When you are ready to file an AD&D dismemberment claim, you can do so via:

Online:

consumerclaim.trustage.com

Email:

[email protected]
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 and is the marketing name for 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 contact our Claim Professionals by:
Email:

[email protected]
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 and is the marketing name for TruStage Financial Group, Inc.
You can check the status of an AD&D dismemberment claim with our Claim Professionals by:
Email:

[email protected]
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 and is the marketing name for 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.
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:
- Log in at the top of our website, or under the For Individuals option select I want to...Manage my account.
- Next log in to your personal account.
- View the Beneficiary Details section for your current beneficiary information.
- To make a change select the button to view your update options.
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, select the Chat icon when logged in to your online account (chat availability varies) or give us a call.

You can file a claim by:

Email: [email protected]

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: [email protected]

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:

TruStage Insurance Company

PO Box 61

Waverly, IA 50677-9202
You can get help from our Claim Professionals by:
Email: [email protected]

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:

TruStage Insurance Company

PO Box 61

Waverly, IA 50677-9202
It normally takes 3-5 business days to process a claim once we’ve received the completed claim information from all beneficiaries. A letter and a statement of values will be mailed to you.

If you choose to receive a lump-sum payment by check, it will be mailed separately.
The beneficiary must provide proof of death of the policyholder. Additional documents must be summitted if the beneficiary belongs to any of the four categories below:

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.
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:
- Log in at the top of our website, or under the For Individuals option select I want to...Manage my account.
- Next log in to your personal account.
- View the Beneficiary Details section for your current beneficiary information.
- To make a change select the button to view your update options.
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, select the Chat icon when logged in to your online account (chat availability varies) or give us a call.

Claims Information FAQs