AD&D Insurance

With cancer and other critical illnesses affecting more people today, consumers are seeking greater financial protection from these serious burdens. In addition to traditional accidental death and dismemberment protection, new living benefit enhancements(opens in a new window)* offered through TruStage AD&D Insurance can help you better serve your members — and set your credit union apart.

Today’s members need Accidental Death & Dismemberment (AD&D) insurance that addresses the most serious burdens they could face: cancer and other critical illnesses, like heart attack and stroke.

More meaningful protection for your members

The number of preventable, injury-related deaths in the U.S. has increased 93% over the last 26 years.1 With deaths from falls and vehicle crashes affecting more people today than the industrial-related accidents of the past, your members need greater financial protection from these serious burdens.


TruStage helps you help your members when they need it most with insurance tailored to their needs.

Access to new living benefits: cancer, heart attack, and stroke rider

Increasing benefit helps guard against inflation

Seatbelt and airbag benefit now included in base policy

Added value for your credit union

Our new AD&D product is deeply rooted in understanding where members place value. And, when you can offer your members more meaningful AD&D benefits, your credit union can stand out in a crowded, highly commoditized marketplace and continue to build long-term growth through long-lasting member relationships.

Individuals Looking for AD&D Insurance

Find out if your credit union currently offers the new TruStage AD&D product with increasing benefits and/or optional living benefit riders.

Credit Unions Looking for Licensed Professionals

Today’s most serious illnesses can cost members a lot.
Find out if your credit union is domiciled in an approved state to offer your members the new TruStage AD&D product with enhanced benefits.

Learn more about the TruStage Insurance Program.

Support Center: AD&D

Could the Right Coverage Help Your Credit Union Stand Out?

5 features that could set you apart – and build relationships.

Devastating Illnesses More Common than Members Think

Help protect their financial security with Accidental Death & Dismemberment (AD&D) riders.

Accidents Happen

Show younger members why Accidental Death & Dismemberment (AD&D) coverage matters.

Be There When Members Need You Most

Increasing benefit feature helps protect members’ financial security.

Cancer Changes Everything

Accidental Death & Dismemberment (AD&D) riders give members one less thing to worry about.
Build Connections on their Terms

Build Connections on their Terms

Serving each member personally with what they need for where they are at in their lives.

father and son

Better Protection for Today’s Members

New AD&D product with optional living benefit riders delivers more meaningful protection.

1National Safety Council Injury Facts, All Injuries Overview, 2018.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Base policy form 2018 ADD-POL. Base rider policy numbers 2018-ADD-POLRDR-CI & 2018-ADD-POLRDR-CNR.
* Not available in all states. Level of benefits may also vary. Product availability, riders and benefits for this product may vary by state. Further reproduction, adaptation or distribution prohibited. Benefits are not payable for the riders during the 12-month period that begins on the Rider Effective Date for illness that is diagnosed within 12 months after the Rider Effective Date and is caused by, contributed by, or results from a pre-existing condition.