Help protect yourself financially from the unexpected
As a credit union member, you are entitled to a valuable combination of benefits that can help you prepare financially for some of today’s most serious health risks.
Coverage for Accidents
It starts with $1000 of no-cost TruStage® Accidental Death and Dismemberment (AD&D) Insurance—an exclusive member benefit fully paid for by Credit Union 1. All you have to do is claim it.
In the event of a covered accident, it pays a cash benefit to your family at a critical time. It’s money your loved ones can use for monthly bills, debts or anything else. If you choose, additional AD&D insurance is available for you or your entire family starting at around $1 a month.* Your acceptance is guaranteed—with no health questions or medical exam.
Add Coverage for Cancer, Heart Attack & Stroke
If you choose to purchase additional AD&D coverage, you can now add Cancer, Heart Attack & Stroke Coverage for more complete protection. This is a living benefit that pays you $5,000 upon a covered diagnosis. The money you receive can help pay for out-of-pocket medical bills and daily expenses, helping to relieve financial stress while you focus on getting well.
Get started today by claiming your no-cost AD&D insurance, a benefit of your credit union membership. Enrolling is quick and easy. Simply go to TruStage.com/ADD or call toll-free 1-800-798-8798.
*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance.
TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
Base Policy Series ADD-2018-POL, 2018-ADD-POLRDR-CR, 2018-ADD-POLRDR-CNR.
© TruStage Insurance Agency
ADI-3469852.1
It’s free for Summit Credit Union members Get $1,000 of AD&D coverage at no cost plus the opportunity to add additional coverage. All you have to do is sign up. Covers you in case of an accident Coverage provides you or your family with a cash benefit after an accident that results in a covered injury or death.
Claim your no-cost AD&D coverage now.
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HomeInsuranceAccidental Death & Dismemberment Insurance $1000 of TruStage® Accidental Death and Dismemberment Insurance Coverage Is Yours. One of the exclusive benefits of credit union membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life. You can get $1000 of coverage, paid for by your credit union, and provided by CMFG Life Insurance Company. And $100,000 in additional AD&D coverage from CMFG Life
can cost about $10** a month. Acceptance is guaranteed, and there are no health questions or medical exam. Sign up for your no-cost or additional protection today. TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit
union. **AD&D insurance costs between $10 & $15 per month for 100k of coverage. AD&D Base Policy Series E10-ADD-2012 and E10a-014-2012 ADD-1366257.1
AD&D pays a cash benefit in the event of an accidental death or if an accident causes specific permanent injuries.
Benefits of coverage
- Guaranteed acceptance - no health questions or medical exams.
- Coverage available at a cost-effective, monthly rate.
- Cash payout is often not subject to income-tax.
- You’re protected whether at home, at work, on vacation or during travel.
benefits of additional coverage
- The Increasing Benefit: The longer you keep the coverage, the value of your Additional Coverage automatically increases by up to 5%—up to a total of 50% over 10 years—at no added cost to you.
- Hospital Benefits: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than seven consecutive days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 1% of the Additional Coverage for that person for each full month of confinement, up to $1,000 a month or $12,000 a year.
Product and features may not be available in all states or with all credit unions.
Real Statistics
Accidents are the third-leading cause of death In America.1
1 Centers for Disease Control and Prevention, National Center for Injury Prevention and Control, 2020.
There would not be any benefits paid out under TruStage AD&D due to hospitalization related to an infectious disease. Hospitalization benefits under AD&D are limited to those that are related to a covered accident under the policy.
TruStage AD&D does not cover deaths due to natural causes, including viruses.
Accidental Death & Dismemberment insurance pays a cash benefit if you die in a covered accident. It also pays benefits for covered injuries caused by an accident, including loss of eyesight, hearing, or speech, or the loss of a hand, foot, eye, thumb or index finger. You can use this money to cover any expenses you have while you focus on recovery.
AD&D is not life insurance, but it can be a good complement to life insurance, enhancing your overall protection and adding coverage for specific injuries from accidents. You can choose coverage amounts between $10,000 and $300,000.Yes! If you opt to pay the monthly premium for an Additional Coverage amount, you can also protect your spouse and dependent children at a slightly higher cost when you add the Family Plan.
The Family Plan can cover your spouse at 50% of the coverage level you choose. Dependent children will be covered for 20%. If you have no dependent children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose. Some features may vary by state.Your no-cost AD&D insurance lasts as long as you remain a member of a participating credit union or until you decide to terminate it.
Your Additional Coverage lasts as long as your payments are made.Purchasing Additional Coverage includes the Increasing Benefit, which means the longer you have the coverage, the value of the Additional Coverage could increase each year by 5 percent for up to a total of 50 percent over 10 years, at no added cost to you. For example, a $100,000 Additional Coverage amount could be $150,000 after 10 years of being active.
From age 18 to 69, your coverage can’t decrease for any reason. At age 70, however, the full amount of coverage you have will decrease by 50 percent. Some features may vary by state.