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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 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.
  • 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 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.
  • 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 claim. A letter, a statement of values and the settlement check are sent out through regular mail.
  • 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.

  • 1) Proof of death

    Additional information is required:

    If Beneficiary is 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 (provide on claim form). If you do not have an ID #, one can be obtained by calling the IRS at 1-800-829-4933.

    • If there are not enough assets to probate an estate, please obtain a Small Estate Affidavit from the county court house – Probate division, where insured resided.

    If Beneficiary is Trust:

    • A copy of the trust agreement. The pages of the Trust required are: the title page, the appointment of trustees or successor trustees after 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 an ID #, one can be obtained by calling the IRS at 1-800-829-4933.

    If Beneficiary is a Minor:

    • Completed Claimant's Statement completed by an adult family member in behalf of the minor. The funds will be placed in an interest bearing account with our company until the minor reaches legal age.

    • To have the funds released prior to the time the minor reaches age of majority, copies of the court appointment papers for guardianship or conservatorship for the minor child must be received.

    If Beneficiary is Deceased:

    •Proof of death for the deceased beneficiary.

  • 1) Proof of death

    Additional information is required:

    If Beneficiary is 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 (provide on claim form).If you do not have an ID #, one can be obtained by calling the IRS at 1-800-829-4933.

    • If there are not enough assets to probate an estate, please obtain a Small Estate Affidavit from the county court house – Probate division, where insured resided.

    If Beneficiary is Trust:

    • A copy of the trust agreement. The pages of the Trust required are: the title page, the appointment of trustees or successor trustees after 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 an ID #, one can be obtained by calling the IRS at 1-800-829-4933.

    If Beneficiary is a Minor:

    • Completed Claimant's Statement completed by an adult family member in behalf of the minor. The funds will be placed in an interest bearing account with our company until the minor reaches legal age.

    • To have the funds released prior to the time the minor reaches age of majority, copies of the court appointment papers for guardianship or conservatorship for the minor child must be received.

    If Beneficiary is Deceased:

    • Proof of death for 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. However, only the named beneficiary(ies) can submit the necessary documentation or evidence to settle the claim.