Help and Support

Claims Information FAQs

Are death benefit proceeds taxable?

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.

Can a beneficiary designation be made online (via the Internet)?

No. However, you may download and print the Change of Beneficiary Request Form.

 

For policies starting with 21, download and print this Change of Beneficiary Request Form.

 

When complete, you may return the form by mail or fax.

How can I check the status of a life insurance or accidental death and dismemberment 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 check the status of an annuity death claim?

By Phone: Contact a Claim Professional at 1-800-778-6600, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT. 

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 annuity claim?

By Phone: Contact a Claim Professional at 1-800-798-6600, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

 

By Mail: Send a letter to:

CMFG Life Insurance Company

2000 Heritage Way

Waverly, IA 50677-9202

How can I contact a Claim Professional about my life insurance or accidental death and dismemberment 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 get help completing the claim form or get an answer to my question on my annuity claim?

By Phone: Contact a Claim Professional at 1-800-798-6600, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

By Mail: Send a letter to:

CMFG Life Insurance Company

2000 Heritage Way

Waverly, IA 50677-9202

How can I get help completing the claim form or get an answer to my question on my life or accidental death and dismemberment 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 do I file a life insurance 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

 

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.

How do I file an accidental death and dismemberment 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 do I file an annuity death claim?

By Phone: Contact a Claim Professional at 1-800-798-6600, Monday through Friday, 7:30 a.m. to 5:00 p.m. CT.

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.

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

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.

How long will it take for me to receive the life insurance or accidental death and dismemberment death benefit settlement after you receive all the information?

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.

 

What does the beneficiary need to provide to CMFG Life Insurance Company upon settlement of the accidental death and dismemberment 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 does the beneficiary need to provide to CMFG Life Insurance Company upon settlement of the annuity claim?

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.

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

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.

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.

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.