Accidental Death & Dismemberment insurance: Enrolling is smart. It's also easy.

Your no-cost AD&D coverage: It's yours. All you have to do is claim it.

Your credit union membership may qualify you for complimentary AD&D coverage. If you have a fatal accident, or one that causes specific, catastrophic harm to you, you and your family could have better protection.

Your credit union always picks up the cost, and you get the benefit. Simply confirm your zip code and that you’re 18 or over to claim it.

We can't find your credit union. Please call us for assistance at 1-888-888-0375 or to service your policy.
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Contact Information

You are entitled to  of no-cost coverage. To accept this offer, simply complete this enrollment process.

Please be aware that if you are over 70, your benefit may be reduced by 50%.
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Beneficiaries

Naming a beneficiary means money can go directly to someone you choose. You can name more than one beneficiary and divide the funds. You may also add contingent beneficiaries: those who will collect benefits should each primary beneficiary be deceased. Or, you can select ‘No Thanks’ and we will pay benefits according to the policy. Click ‘View Product Details’ at the right for more information on coverage and beneficiaries.

Primary Beneficiaries

    Add Primary Beneficiary
    % Your list of primary beneficiaries and contingent beneficiaries must each add up to 100%.

    Contingent Beneficiaries

      Add Contingent Beneficiary
      % Your list of primary beneficiaries and contingent beneficiaries must each add up to 100%.

      Confirm Coverage

      You have accepted  of no-cost coverage.

      Did you know that you can add more TruStage AD&D coverage from CMFG Life Insurance Company? It can be just for you, or include your spouse and/or children. It could be a good idea to add coverage to an AD&D policy. Additional coverage could mean more resources for bills, debts, or even a mortgage payoff.

      And when you discover how inexpensive it can be to increase your coverage, you might realize that adding to your coverage now simply makes sense.

      Payment

      Choose your payment method below. Remember, we can conveniently deduct the premium right from your credit union account.

      You've selected as your financial institution. If this is incorrect, please re-enter the routing number.
      You will be billed directly
      On enrollment, you will be billed on  of the month, .
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      Summary

      Please review the information below carefully. To make a change, just click "Edit". Also, please review Important Information at the bottom of the page and click "Accept & Submit."

      My AD&D Coverage

      Edit
      • No-Cost Coverage:
      • Additional Coverage:
      • Monthly Premium:
      • Plan Type:

      Contact Information

      Edit
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      •   
      • Phone:
      • DOB:
      • E-mail:

      Beneficiary Information

      Edit

      Primary Beneficiary

      Contingent Beneficiary

      Payment Information

      Edit
      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Credit Card #:  ending in 
      • Expiration Date:
      • Cardholder:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will charge your account in the amount of  on day  of the month, on a  basis.

      AD&D Important Info

      Print
      Print

      Thank you for enrolling in AD&D coverage. You’ve taken an important step in protecting the achievements and aspirations of the people who matter most in your life. Please print out the following for your records. You will receive a policy in the mail officially verifying your coverage. If you have any questions call us at  .

      • Enrollment Summary


      • Your Confirmation Number: 

      My AD&D Coverage

      • No-Cost Coverage:
      • Additional Coverage:
      • Monthly Premium:
      • Plan Type:

      Contact Information

      •   
      •   
      • Phone:
      • DOB:
      • E-mail:

      Beneficiary Information

      Primary Beneficiary

      Contingent Beneficiary

      Payment Information

      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Account Type:
      • Financial Institution:
      • Account #:
      • Routing #:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will debit your account in the amount of  on day  of the month, on a  basis.
      • Credit Card #:  ending in 
      • Expiration Date:
      • Cardholder:
      • Payment Frequency:
      • Payment Date: After the effective date of coverage, we will charge your account in the amount of  on day  of the month, on a  basis.

      AD&D Important Info

      Accepted on 4/24/2014 4:17:22 PM E10f-014-2001-WEB

      My AD&D Coverage:

      No-Cost Coverage:
      Coverage**
      This product is not available for purchase online, but is available for purchase by phone.

      What Is TruStage?

      TruStage is the marketing brand for the insurance products issued by and programs made available through the companies of the CUNA Mutual Group, including CMFG Life Insurance Company and CUNA Mutual Insurance Agency, Inc. CMFG Life has worked with America’s credit unions and credit union members like you for more than 75 years. And true to the credit union mission, we believe "financial services" isn’t meant only for a small group of affluent people. We’re committed to empowering credit union members to protect the achievements and aspirations of the people who matter most in their lives.

      Over the years, we continue to win the confidence of people who are careful about choosing the companies with whom they entrust their future. And we’ve assembled a team of well-known, trusted companies who share our desire to help you prepare for – and most importantly, enjoy -- all the moments that matter in your life.

      We help credit union members like you do more with what they have. Learn how today.

      Benefits

      If you have an accident that causes serious injury, possibly your death, the financial impact on your family could be devastating. With AD&D Insurance coverage, they may have the funds to help handle bills and debts, maybe even pay off the mortgage. It doesn’t cost a lot. But if you ever need it, it could be priceless.

      FAQs

      What is AD&D insurance?

      Accidental Death & 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.

      Why should I consider AD&D coverage?

      If a serious accident occurs, AD&D could help your family in its time of need. It can be an affordable supplement to any life insurance you may have and features unique built-in benefits:

      • Acceptance is guaranteed. No one will ask you health questions or expect you to submit to a medical exam. If you're a credit union member over the age of 18, you can't be turned down.
      • Your coverage cannot be canceled as long as your premiums are paid, the group policy is not terminated, and you remain a member of a participating credit union.
      • There's a realistic inflation protection benefit. Every two years, on the anniversary of your coverage, additional coverage will be increased 5% at no added cost to you. Over the years, you can get up to a 25% increase maximum.

      What types of coverage are available?

      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.

      What do I need to know about beneficiaries?

      • A beneficiary is a person who receives insurance benefits at the time of the insured person's death. You can have more than one beneficiary.
      • You can choose anyone to be your beneficiary and it can be more than one person.
      • In general, benefits paid to your beneficiary, are not subject to federal income tax.