Accidental Death and Dismemberment Insurance FAQsLocated at:
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Frequently Asked Questions

  1. What is accidental death and dismemberment insurance?
  2. How do I know if I have a "family" or "single" plan of AD&D?
  3. Does my coverage automatically decrease at a certain age?
  4. Who can change the beneficiary and how can this be done?
  5. I received an insufficient funds notice from my financial institution. What should I do?
  6. How long will it take for me to receive my death benefit check?
  7. Are accidental death or accidental dismemberment benefit proceeds taxable?
  8. My father died and I don't know who is the beneficiary on his insurance policy. How can I find out who the beneficiary is and how to file a claim?
  9. How do I cancel my Accidental Death and Dismemberment Insurance?
  10. How do I change my beneficiary?
  11. Did you receive my payment?
  12. I did not receive a bill or notice of premium due.
  13. I would like to change the method of payment for my certificate.
  14. Where can I send in my payment(s)?
  15. Why did I receive an insufficient funds (NSF) fee? What do I need to do now?
  16. How do I change my method of billing to be sent to me in the mail versus automatic account deductions?
  17. What if I want to change how frequently I am billed?
  18. How do I change my billing to have deductions occur automatically from my checking account?
  19. What is the grace period for paying a bill?
  20. Can I make a single payment to pay my premium online or over the phone?
  21. I would like you to rebill my account for the current premiums due, as I now have funds available. How do I do this?
  22. May I have more than one beneficiary?
  23. If I sign up for automatic account deductions, when will the deduction occur from my account?
  24. I am currently having premiums charged to my credit card, and my card has expired. What do I need to do?

What is accidental death and dismemberment insurance?

Accidental Death and Dismemberment insurance provides a benefit if an injury resulting from an accident occurs that causes the death or other covered losses to the insured(s). [Return to Top]

How do I know if I have a "family" or "single" plan of AD&D?

Your certificate of insurance will reflect either the family or single plan type. [Return to Top]

Does my coverage automatically decrease at a certain age?

Yes, coverage amounts will decrease at a specified age. Please refer to your certificate of insurance or contact us for further information on your plan of insurance. You may contact our office at 1-800-779-5433 Monday through Friday - 7 a.m. to 7 p.m., CT. [Return to Top]

Who can change the beneficiary and how can this be done?

The owner of the certificate has the right to change the beneficiary designation.

A change can be made by completing the appropriate beneficiary change form. To obtain a beneficiary change form, please contact our Service Center at 1-800-779-5433. [Return to Top]

I received an insufficient funds notice from my financial institution. What should I do?

Wait until you receive a past due notice from us. Once we are notified by your financial institution, we will automatically send you a past due notice, which you can send in with your premium payment. [Return to Top]

How long will it take for me to receive my death benefit check?

It normally takes 3-5 days to process a claim. A letter, statement of values, and the settlement check are sent out through regular mail. [Return to Top]

Are accidental death or accidental dismemberment benefit proceeds taxable?

Accidental death and dismemberment insurance proceeds are not taxable. [Return to Top]

My father died and I don't know who is the beneficiary on his insurance policy. How can I find out who the beneficiary is and how to file a claim?

Call us at 1-800-779-5433, ext. 3351. We are here to assist you through this challenging time in your life. Or you can send a letter to us at:
CMFG Life Insurance Company
2000 Heritage Way
Waverly, IA 50677-9202       [Return to Top]

How do I cancel my Accidental Death and Dismemberment Insurance?

Call our contact center. Cancellations can be accepted by phone from the member who is insured under the certificate. The certificate can also be cancelled by a written request from the member. [Return to Top]

How do I change my beneficiary?

A Change of Beneficiary form can be downloaded from the Accident Insurance (AD&D) Services page. Send the original form, signed by the owner, to our office to be reviewed and recorded. You may want to keep a copy for your records. [Return to Top]

Did you receive my payment?

To find out when we processed your last payment, select the option to "View Billing/Payment Information". If you have recently sent in a payment, please allow 10 days for us to receive and process it. Your policy has a 31 day grace period. This means that if a premium is not paid on or before the due date, it may be paid during the 31 days following the due date. During the grace period, the insurance will stay in force. This grace period does not apply to the first premium payment, or if the policy is terminated by the policyholder, a participating association or by us. If you want to alleviate any worries of when we receive your payment in the future, you may want to setup an automatic deduction from your account. To do this, click on the option to "Setup/Change Automatic Payment Plan." [Return to Top]

I did not receive a bill or notice of premium due.

You will only receive a bill notice if you are on the direct bill method, (versus automatic account deductions), which sends a bill to your home. Our system bills approximately 20 days prior to when the premium is due. Please allow up to seven days for your notice to reach you. If after seven days you have still not received your bill, you may do one of the following:
  • Send a payment to us online by clicking on "Make a Payment". A deduction will occur from your checking account to pay the current premium due.
  • Sign up for automatic account deductions so you no longer have to worry about receiving a bill. To do this, just click on the option to "Setup/Change Automatic Payment Plan" and follow the instructions.
  • Send us a payment to the following address, making sure you have noted your policy number on your check stub.

    CMFG Life Insurance Company
    PO Box 61
    Waverly, IA 50677-0061
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I would like to change the method of payment for my certificate.

  • If you would like to begin having automatic account deductions from your checking account, or change the financial institution/account deductions were occurring from, you may click on the option to "Setup/Change Automatic Payment Plan" and follow the instructions.
  • If you were previously having automatic account deductions, are now receiving billings to your home, and would like to resume automatic account deductions with your previous account, click on "Resume/Rebill Automatic Payment Plan". If there is a current payment due, we will then rebill this account.
  • If you are currently having premiums automatically deducted from your account or a credit/debit card, and would like to stop these account deductions and begin receiving your bills through the mail to your home, please click on the option to "Stop Automatic Payment Plan".
[Return to Top]

Where can I send in my payment(s)?

If you have your billing notice, please send your payment with your billing notice to the following address:

CMFG Life Insurance Company
PO Box 3185
Milwaukee, WI 53201-3185

If you cannot find your billing notice, please wait for it. If your payment due date is here and you have still not received your notice, you need to write your certificate number on your check, and send in your payment to our office at:

CMFG Life Insurance Company
PO Box 61
Waverly, IA 50677-0061

[Return to Top]

Why did I receive an insufficient funds (NSF) fee? What do I need to do now?

If you didn't have sufficient funds available in your account when we attempted to collect the premium due on your certificate, your financial institution may impose an insufficient funds fee and notify you. (CUNA Mutual Group does not impose an NSF fee.) Shortly after you are notified, our company will receive an electronic notification from your financial institution if they were unable to deduct/pay the premium from your account. We will then mail you a past due notice. This notice will request payment due within 20 days to our office. If you choose not to send the payment, your policy will lapse for non-payment of premiums and will no longer be in force. [Return to Top]

How do I change my method of billing to be sent to me in the mail versus automatic account deductions?

Click on the option to "Stop Automatic Account Deductions", and follow the steps. [Return to Top]

What if I want to change how frequently I am billed?

  • If you are currently having your premiums automatically deducted from your account, you can change how frequently premiums are deducted by clicking on the option to "Setup/Change Automatic Payment Plan". You can then select the frequency to monthly, quarterly, semi-annual or annual in the drop down box beside "Billing Frequency".
  • If you are currently receiving your bills through the mail to your home, you will need to call our office to change how frequently you are being billed. Please call us at 800-779-5433.
[Return to Top]

How do I change my billing to have deductions occur automatically from my checking account?

To setup automatic account deductions from your checking account, just click on the option to "Setup/Change Automatic Payment Plan" and follow the steps. [Return to Top]

What is the grace period for paying a bill?

Your policy has a 31 day grace period. This means that if a premium is not paid on or before the due date, it may be paid during the 31 days following the due date. During the grace period, the insurance will stay in force. This grace period does not apply to the first premium payment, or if the policy is terminated by the policyholder, a participating association or by us.

  • If it is getting close to your grace period expiring, you may want to click on "Make a Payment" to initiate a single payment to pay your premium due from your checking account, and follow the instructions.
  • You may also use our automated phone system to make a payment by calling 1-866-284-7748. Select option 1 to make a payment, enter your policy number located on the top right corner of your Notice. You will then hear the status of your insurance contract. Then select option 1 to make a payment from your checking account, or option 2 to make a payment from your debit/credit card.
[Return to Top]

Can I make a single payment to pay my premium online or over the phone?

Yes, you can either make a single payment online from your checking account or by phone from either your checking account or a debit/credit card. Please have your policy number available, which is located in the top right corner of your notice of premium due, or in the regarding section of a letter.

  • To make a single payment from your checking account online, click on the "Make a Payment" option and complete the steps.
  • To make a single payment via our automated phone system, call us at 1-866-284-7748. Select option 1 to make a payment, enter your policy number located on the top right corner of your Notice of Premium Due. You will then hear the status of your insurance contract. Then select option 1 to make a single payment from your checking account, or option 2 from your debit or credit card and follow the steps.
[Return to Top]

I would like you to rebill my account for the current premiums due, as I now have funds available. How do I do this?

If you were previously having automatic account deductions and would like us to rebill that same account for the current premium due, you can do one of the following:

  • Use our automated phone system to easily rebill your account and resume automatic account deductions. Just call 1-800-779-5433, and when it asks for an extension, enter ext 1708. Please have your certificate number available which is located in the top right corner of your Notice.
  • Rebill your account online by selecting the option to "Resume/Rebill Automatic Payment Plan" and follow the instructions.
[Return to Top]

May I have more than one beneficiary?

Yes, if more than one beneficiary is named, proceeds will be split equally among the named beneficiaries unless otherwise indicated. Benefits can be designated in varying amounts. Please call us at 1-800-779-5433 (if your policy was purchased by mail or phone) or 1-800-798-6600. (if your policy was purchased through a local representative) Monday through Friday - 7 a.m. to 7 p.m., CT. [Return to Top]

If I sign up for automatic account deductions, when will the deduction occur from my account?

The first deduction may not occur on the day you selected. We will send you a confirmation letter notifying you before the first deduction occurs. Thereafter, a draft will be sent on the specific day of the month you requested account deductions. If no draft day is designated, we will determine the date deductions will be sent based on the policy due date. Actual deduction from your account will occur 2 business days after the draft is sent, or longer if a holiday. Ex: you selected the 1st of the month for account deductions; if the 1st falls on a weekend, we will send the draft on the next business day, and the deduction will occur 2 business days later. [Return to Top]

I am currently having premiums charged to my credit card, and my card has expired. What do I need to do?

We will send you a notification letter 60 days prior to the expiration month, to obtain new card information. If you have misplaced this letter, you may send or fax us the information. Just provide the insured's name, policy number, 16 digit card #, and new expiration date. Please have the account holder sign under the information. You may fax this information to us to 1-608-236-8030. Or you may send this information to:

CMFG Life Insurance Company
PO Box 61
Waverly, IA 50677-0061
ATTN: Billing Services

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Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.

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