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Claims Information FAQs

  • Life insurance and accidental death and dismemberment insurance proceeds are not taxable. Any interest paid on the benefits is taxable.

    The gain portion of Variable Universal Life and 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.

  • 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 or MEMBERS Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

  • By Phone: Contact a Claim Professional at 1-800-778-6600, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST 

    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 1-800-798-6600, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST

    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: You can request a status update in writing by sending a letter to:

    CMFG Life Insurance Company or MEMBERS Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

  • By Phone: Contact a Claim Professional at 1-800-798-6600, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST 

    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: You can request a status update in writing by sending a letter to:

    CMFG Life Insurance Company or MEMBERS Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202

  • You can view and submit updates online.

    To view and submit an update: Log in, go to Account Overview or Policy Details, and click Beneficiaries.

    If you have questions about your beneficiaries, click on the Chat icon to get help right away or give us a call.

     
  • 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 or MEMBERS Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202


    Please provide the insured's name, date of birth, date of death, and policy number(s).

    If you are not the policy beneficiary, 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.

  • 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

    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.

    Fall - Please send the Police/Accident/Incident Report or the Attending Physicians' 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.

  • By Phone: Contact a Claim Professional at 1-800-798-6600, Monday - Friday, 7:00 a.m. - 7:00 p.m. CST

    By Mail: Send information to:

    CMFG Life Insurance Company

    2000 Heritage Way

    Waverly, IA 50677-9202


    Please provide the insured's name, date of birth, date of death, and policy number(s).

    If you are not the policy beneficiary, you may be asked for the beneficiary's address.

  • 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.

  • It normally takes 1-3 business days to process a life insurance claim and 3-5 business days to process an accidental death and dismemberment (AD&D) claim.

    A letter, a statement of values, and the settlement check will be mailed to you.

    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.
  • 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 CUNA Mutual Financial Group 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.
  • 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 CUNA Mutual Financial Group 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.
  • 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.