Bringing Awareness to the Need for AD&D Protection

In the United States, accidents are the leading cause of death for those under age 44. And across all age groups, an accident claims a life every four minutes.*

These eye-opening statistics help illustrate why many credit unions make a “starter coverage” accidental death and dismemberment (AD&D) policy available as a no-cost benefit of membership. While the coverage amount is relatively small—typically, credit union members can receive $1,000 to $3,000 of complimentary coverage—it helps bring awareness to the need for protection. In many cases, members evaluate their needs for coverage and choose higher amounts.

An important part of making complimentary AD&D insurance available to members is the ease and speed of the AD&D application. It’s no surprise that members are often busy during the day with full schedules that stretch into evenings and weekends. In addition, more time is spent online than ever before. This means a quick and entirely online application becomes a key part of the application process.

As an example, TruStage™ has recently introduced FastApply AD&D™ to credit unions that are part of CUNA Mutual Group’s MemberCONNECT Program®. It’s an application process that specifically avoids time-consuming applications and paper forms. It offers members the ability to apply for their complimentary AD&D coverage in three minutes or less, completely online. And as an additional part of the process, members can also apply for higher levels of AD&D protection if they choose.

When the application process functions in this way, not only does it provide fast and easy access to an important benefit of being a credit union member, but fosters quick comprehension by the credit union staff. When new members join or existing members visit the branch, it’s easy for a frontline staff person to remind them to sign up for the complimentary membership benefit.

Care and concern for member well-being has been a hallmark of the credit union movement since it began. Complimentary AD&D policies, combined with fast and easy online applications, continue to build on this tradition. For members, it’s an opportunity to take an empowering look at what types and amounts of insurance protection are appropriate. For credit unions, it means serving as a financial resource for members in ways that extend beyond core products services.

As unfortunate as it is, accidents are fact of life. But with easy access to AD&D coverage and fast online applications, credit union members can take one more step in helping protect what matters most.

For more information about AD&D coverage for credit union members and the FastApply AD&D application process, visit

For more information about TruStage, see

*Centers for Disease Control and Prevention, Death in the United States, 2010, NCHS Data Brief #99, July 2012, and National Safety Council®, Injury Facts®, 2012 Ed.

FastApply AD&D is available now to eligible members, Currently, members in Georgia, Minnesota, New York and Puerto Rico are not eligible.

TruStage Insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are 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.


Strategic Link is the NWCUA’s wholly-owned service corporation, using the power of aggregation to provide the Association’s member credit unions with exclusive high-quality, competitively-priced products and discounted services. Contact Director of Strategic Partnerships Craig Reed today to find out how Strategic Link can help your credit union save money while meeting its goals in 2013 and beyond: 206.340.4789,

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