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* 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.

38% of people in the U.S. will develop cancer during their lifetime.¹

Someone has a stroke every 40 seconds in the U.S., on average. ²

More meaningful protection for your members

The number of preventable, injury-related deaths in the U.S. has increased 96% over the last 25 years.3 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.

father and son

Better Protection for Today’s Members

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

1 American Cancer Society, “Cancer Facts & Figures 2019,” p. 2
2 American Heart Association, “Heart Disease and Stroke Statistics-2019-At-A-Glance”
3 National 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.
CORP, ADI-845627.4-0220-0322

© CUNA Mutual Group, 2020 All Rights Reserved.