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Accidental Death and Dismemberment Coverage

Accidental Death and Dismemberment Coverage

One of the exclusive benefits of your credit union membership is access to TruStage™ Insurance products like Accidental Death and Dismemberment (AD&D) coverage. Accidents are the leading cause of death for people under 44.1 That’s why we offer members an AD&D policy at no cost. You automatically qualify for this complimentary coverage—all you have to do is claim it. Just visit or call 1.800.798.8798 to speak with a licensed TruStage insurance representative.

In addition to your no-cost coverage, you may want to consider strengthening your protection with higher levels of AD&D insurance. Why? Because $100,000 in coverage can cost about $10 a month2 which can be an affordable way to help protect your family from the lasting impact of an accidental death or serious, permanent injury. And, acceptance is guaranteed. There are no medical questions or health exam. FastApply online and claim your no-cost AD&D coverage in just minutes. Learn more at

We make TruStage Insurance programs available because they’re founded in value, honesty and knowledgeable support. The companies behind TruStage were formed by credit unions, for credit unions and their members. As part of your financial planning, we invite you to work with TruStage to discover how these products and programs might be right for you.

TruStageTM 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.

1 Accident statistic from CDC/National Center for Health Statistics, Deaths: Final Data for 2013, Table 9.

2 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.

Insurance products:

  • Are not NCUA/NCUSIF insured
  • Are not obligations of HVFCU
  • Are not guaranteed by HVFCU