Accidental Death and Dismemberment (AD&D)
Help protect yourself financially from the unexpected
As a credit union member, you are entitled to a valuable combination of benefits that can help you prepare financially for some of today’s most serious health risks.
Coverage for Accidents
It starts with $1000 of no-cost TruStage® Accidental Death and Dismemberment (AD&D) Insurance—an exclusive member benefit fully paid for by Red River Federal Credit Union. All you have to do is claim it.
In the event of a covered accident, it pays a cash benefit to your family at a critical time. It’s money your loved ones can use for monthly bills, debts or anything else. If you choose, additional AD&D insurance is available for you or your entire family starting at around $1 a month.* Your acceptance is guaranteed—with no health questions or medical exam.
Add Coverage for Cancer, Heart Attack & Stroke
If you choose to purchase additional AD&D coverage, you can now add Cancer, Heart Attack & Stroke Coverage for more complete protection. This is a living benefit that pays you $5,000 upon a covered diagnosis. The money you receive can help pay for out-of-pocket medical bills and daily expenses, helping to relieve financial stress while you focus on getting well.
Get started today by claiming your no-cost AD&D insurance, a benefit of your credit union membership. Enrolling is quick and easy. Simply go to TruStage.com/ADD or call toll-free 1-800-798-8798.
*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance.
TruStage® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
Base Policy Series ADD-2018-POL, 2018-ADD-POLRDR-CR, 2018-ADD-POLRDR-CNR.
© TruStage Insurance Agency
Credit Disability & Life (CD & CL)
Credit Disability and Credit Life Insurance are ways to help protect your loan. There’s no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen to you. Credit Disability and Credit Life Insurance may help to make your loan payment to make life easier for you and your loved ones.
Credit Disability Insurance
Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.
Credit Life Insurance
Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away.
Your purchase of MEMBER’S CHOICE®
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.
Guaranteed Asset Protection (GAP)
You could owe more on your car than the amount your primary insurance company will pay in the event of a total loss. The GAP program pays the difference between your primary insurance settlement and the outstanding balance of your vehicle at the time of loss. Coverage pays up to 150% of your vehicle's value.