Help and Support

Accidental Death & Dismemberment FAQs

Am I covered while my policy is inactive?
No, you’re not covered when your policy is inactive. Make a payment on your policy to reinstate your coverage.
Are death benefit proceeds taxable?
Accidental death and dismemberment insurance proceeds are not taxable. Any interest paid on the benefits is taxable.
Can a beneficiary designation be made online (via the Internet)?

If your policy allows the beneficiary to be updated online, that option will be provided to you in the Update Your Beneficiaries Online link on the Account Overview or Policy Details pages.

You may also download and print the Change of Beneficiary Request Form. When complete, return the form by mail or fax.  

How can I check the status of a death claim?

By Phone: Contact a Claim Professional at 1-800-779-5433, Monday through Friday, 7:00 a.m. to 7:00 p.m. CT. 

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

How can I contact a Claim Professional about my claim?

By Phone: Contact a Claim Professional at 1-800-779-5433, Monday through Friday, 7:00 a.m. to 7:00 p.m. CT. 

By Email: You may e-mail us at:  WavClaimsMail@cunamutual.com 

By Mail: Send a letter to:

CMFG Life Insurance Company

2000 Heritage Way

Waverly, IA 50677-9202

 

How can I determine the value of the policy?

Go to Account Overview and click on View Policy Details or View Contract Details. Please refer to your contract for additional features and benefits or call for friendly help and expert assistance.

How can I get help completing the claim form or get an answer to my question?

By Phone: Contact a Claim Professional at 1-800-779-5433, Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

 

By Email: You may e-mail us at: WavClaimsMail@cunamutual.com

 

By Mail: Send a letter to:

 

CMFG Life Insurance Company

2000 Heritage Way

Waverly, IA 50677-9202

 
How do I file a death claim?

By Phone: Contact a Claim Professional at 1-800-779-5433, Monday through Friday, 7:00 a.m. to 7:00 p.m. CT.

 

By Email: You may e-mail us at: WavClaimsMail@cunamutual.com

 

By Mail: Send information 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.

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.

How long will it take for me to receive the death benefit settlement after you receive all the information?

It normally takes 3-5 business days to process a claim. A letter, a statement of values and the settlement check are sent out through regular mail.

 

What does the beneficiary need to provide to CMFG Life Insurance Company upon settlement of the claim?

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.

What is Accidental Death and Dismemberment Insurance?
Accidental Death and 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.
What is the difference between life insurance and accidental death and dismemberment insurance?
Accidental death and dismemberment insurance only pays a benefit as the direct result of an accident. Life insurance pays no matter how a death occurs.
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. (Exact benefit features may vary by state.)
Where can I view and/or update my beneficiary?

For current beneficiary information, please call us.                                                                                            

 

To update your beneficiary:

• If your policy allows the beneficiary to be updated online, that option will be provided to you in the Update Your Beneficiaries Online link on the Account Overview or Policy Details pages.
• You may also download and print the Change of Beneficiary Request Form.
• When complete, return the form by mail or fax.

Where do I mail or fax my claim documents?

CMFG Life Insurance Company

2000 Heritage Way

Waverly, IA 50677-9202

 

Fax Number: 1-608-236-8030

Who can notify CMFG Life Insurance Company of a death?
Anyone can notify us of a death. However, only the named beneficiary(ies) can submit the necessary documentation or evidence to settle the claim.
Why is my complimentary coverage amount of AD&D insurance showing $0.00?
Your AD&D coverage amount may show $0.00 because your credit union no longer offers this benefit, or you are no longer a member of that credit union. In some cases, complimentary coverage can expire.

Customer Support

Questions?

1-855-591-9026
Phone Hours: 7:00 AM - 7:00 PM CT
Monday - Friday

Fax: 608-236-8030


We'll respond within one business day.