AD&D Insurance

AD&D insurance coverage matters more to your members than ever before.

The TruStage® Accidental Death & Dismemberment Insurance Program offers important coverage to help protect your members from today's real-life challenges, like accidents and critical illnesses, at a time when they need it most.

AD&D insurance is essential, complementary coverage for the unexpected.

When it comes to AD&D coverage, people tend to underestimate their risk. Many believe AD&D is only important for someone with a physically dangerous job. They might be inclined to reconsider if they knew:

  • Unintentional injury deaths are the fourth leading cause of death in the U.S.1
  • Almost 40% of people in the U.S. will develop cancer during their lifetime2

Not all AD&D insurance options are created equal.

The TruStage AD&D product has been overhauled with first-of-its-kind features with optional living benefit riders. Every improvement is based on in-depth member research and collaboration with credit unions to discover what members value, including increasing benefits.

AD&D insurance for all life stages.

A “voice of member” coverage with an enhanced increasing benefit feature. Members may have peace of mind seeing the value of their policy grow over time to help guard against inflation.

Resonates with today’s members by addressing today’s real-life challenges, beyond accidents.


Added reinforcement with innovative living benefit rider options. Members can concentrate on overcoming a critical illness rather than worrying about paying for it.


Seamless digital process and member support across every channel.

Offer your members more coverage.

Your members are counting on you to offer them exceptional coverage and strong value for their dollar. Your credit union can offer additional coverage to your members that can help provide stability when accidents happen, or critical illness strikes.

Credit Unions looking for Licensed Professionals.

Are you looking to purchase life insurance for yourself or your family?

Learn more about the TruStage Insurance Program.

A father and daughter playing in their home

Members Forever.

Joining forces for a brighter tomorrow.

father and son

Better Coverage for Today’s Members

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

CDC - National Center for Health Statistics - Leading Causes of Death. August 11, 2022.
American Cancer Society, May 12, 2022. Statistics, 2016-2018 data.
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 numbers E10a-014-2012(OR), E10a-014-2012, E10a-ADD-2012, E10a-015-2012 & F10a-015-2012-1 (WA). Base policy form 2018 ADD-POL & 2018-ADD-POL(OR). Base rider policy numbers 2018-ADD-POLRDR-CI & 2018-ADD-POLRDR-CNR. 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.
CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates.