AD&D Living Benefits

New Living Benefit Riders*

In today’s highly commoditized marketplace, AD&D insurance that covers the most relevant and burdensome illnesses can be critically valuable for your members and your credit union.

With cancer and other critical illnesses — like heart attacks and strokes — on the rise, it’s become increasingly important to offer your members more meaningful insurance solutions.


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

New Living Benefits benefit the living

To help offset these real-life challenges, we’ve made some notable updates to our AD&D product, including optional living benefit riders.

  • Cancer
  • Cancer, Heart Attack and Stroke

These two optional riders on contributory AD&D insurance policies benefit your members because neither requires underwriting and both are paid upon diagnosis* to help ensure your members are better protected against serious financial burdens during these critical times.

New Living Benefits foster growth

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, the new product includes increasing benefits as well as these living benefit enhancements to help you better serve your members — and set your credit union apart.

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 daughter

Protecting Today’s Members

New AD&D product with increasing benefits delivers more value for you and your members.

people meeting

Discovery™ Conference 2019

Bring innovations to life and drive your credit union business forward
1 American Cancer Society, “Cancer Facts & Figures 2019,” p. 2
2 American Heart Association, “Heart Disease and Stroke Statistics-2019-At-A-Glance” 
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.
*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-2946012.1-0220-0322