TruStage Insurance
Accidental Death & Dismemberment and Life Insurance
Accidental Death & Dismemberment (AD&D) Coverage
View Insurance Benefits
Why do I need AD&D?
- AD&D insurance is a great supplement to life insurance
- $2,000 in free coverage, more options available
- Acceptance guaranteed
- Receive a cash benefit for loss of life, limb, eye, speech or hearing as a result of an accident
What’s the process like?
- Activating coverage is quick— most members take 3 minutes
- No health questions or medical exam required
- No employment necessary
- Only offered to credit union members
- Credit Union members age 18 and over are eligible
- Remains in effect as long as coverage is not terminated by you and you remain a member of DFCU
Added Coverage
Contributory Coverage benefits:
- Starts as low as $1-$1.50 per month
- Choose from single or family plans, credit union members ages 18 and over, their spouses, and their dependent children are eligible
- Coverage increases every year with Cost of Living Benefit up to a maximum of 10 consecutive increases at no additional cost to you
- Optional coverage for cancer or for cancer, heart attack, and stroke, this will be paid in a lump sum after diagnosis
- Hospital Confinement Benefit which could pay expenses related to a hospital stay
- Double Accidental Death Benefit includes double coverage if death occurs from an accident while traveling on public transportation
- Seat Belt and Airbag Benefit increases the amount paid if injured while driving or riding in a private passenger vehicle and wearing a properly fastened seat belt or sitting in a seat protected by an airbag
- Family plan includes you, your spouse, dependent children or children with disabilities
- Benefits available for child care, college education, child savings fund, and grief counseling
- Remains in effect as long as you pay your premiums
- No employment necessary
- 30-day satisfaction guarantee. If you are not completely satisfied, cancel within the first 30 days for a full refund
What does AD&D cover?
Benefits & Features:
Ages 18+ cannot be turned down
No medical exam or health questions
24/7 Protection
Coverage continues past age 70**
*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 Deseret First or NCUA. Base Policy Series E10a-014-2012, E10a-ADD-2012 and E10a-015-2012. ADD-1607689.1 Limitations apply, see TruStage for details.
**Coverage limits are reduced. For more information, to file a claim, or to find out if a family member had coverage, visit TruStage.com. You may also call 855-672-8068.Life Insurance Options
If you value security and predictability, we can help give you lifelong peace of mind!
You’ve always done what’s right for your family. Taking steps to ease the burden of final expenses with life insurance is just one more way to show you care. After you’re gone, TruStage® Whole Life Insurance pays an income-tax free, cash benefit. Your family can use this for any reason including funeral expenses, mortgage payments or unpaid debts. Not to mention, it’s permanent coverage that never decreases. The price never goes up, as long as you’re approved and make your payments. If you have big responsibilities now and need high coverage at an affordable rate, TruStage Term Live coverage can be a great option for you.
Certain limitations may apply with the following life insurance options. Visit TruStage Life for more information. Otherwise you can contact TruStage by calling 855-318-0753. 30-Day Satisfaction Guarantee. If you are not completely satisfied, cancel within the first 30 days for a full refund.
TruStage Whole Life Insurance
- Available for ages 18-85
- Coverage amounts from $1,000 to $100,000
- Permanent, lifelong protection and guaranteed pricing for as long as you make payments
- No medical exam & only a few questions
- Customize your coverage based on your budget
- Builds cash value
- A good choice if you value certainty and want a plan for final expenses
- Buy online in about 10 minutes
TruStage Guaranteed Acceptance Whole Life Insurance
- Available for ages 45-80
- Coverage amounts from $2,000 to $25,000
- Can’t be turned down due to health or any other reason
- Permanent, lifelong protection as long as you continue making payments
- No health questions or exams
- Rates locked for life
- Coverage never decreases
- Customize your coverage based on your budget
- A good choice if you value predictability and want a plan for final expenses
TruStage Term Life Insurance
- Affordable coverage for ages 18-80
- Coverage amounts from $5,000 to $300,000
- No medical exam & only a few questions
- No waiting–if approved, caoverage begins when your first payment processes
- Immediate lump sum paid to beneficiaries, which is generally income-tax free
- Coverage never decreases
- A good choice if you appreciate value and have big obligations right now
- Buy online in about 10 minutes