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Practical Insurance to Cover Unexpected Accidents

When the unexpected happens, make sure you’re prepared. Get true peace of mind with Accidental Death & Dismemberment (AD&D) insurance through MCU’s trusted partner TruStage®.


Claim Your No-Cost AD&D Insurance—It’s Already Yours!

You’re entitled to $1,000 of no-cost TruStage® Accidental Death & Dismemberment Insurance—an exclusive member benefit paid for by Municipal Credit Union. All you have to do is claim it.

What’s Covered?

AD&D insurance often acts as a supplement to life insurance and can pay a cash benefit for loss of life, hand, foot, eye, thumb, speech, or hearing as the result of an accident.


Loss of Eyesight, Hearing, or Speech

TruStage® Accidental Death & Dismemberment Insurance covers accidents that lead to the loss of your eyesight, hearing, or speech. This may include injuries incurred at work.


Accident Leading To Paralysis

If you don’t have someone close to you who has limited mobility, it’s hard to imagine how to live with a paralyzing injury. AD&D covers paralysis, including paraplegia and quadriplegia, when it’s the result of an accident that affects all or some mobility.


On-the-Job Injury

TruStage® Accidental Death & Dismemberment Insurance covers on-the-job accidents leading to physical injury. You can expect a cash payout to cover treatment, so you can have financial peace of mind while you recover.


Loss of Limb or Vital Function

Our members are a diverse group of hardworking Americans. MCU chooses to embrace that by covering injuries that are the result of an accident, such as in the workplace, in the field, and in dangerous environments.


Loss of Life

In the case of a deadly accident, a standard life insurance policy may not cover all the unexpected expenses. Associated costs can be partially or even completely subsidized by an AD&D policy.

Add More Coverage Starting at $1 per Month* as Soon as You Activate.

You can add additional coverage up to $300,000 to your current AD&D insurance. The money you receive is not subject to income tax and can help pay for out-of-pocket medical expenses.

The longer you keep your coverage, the more coverage you get—increasing up to a total of 50% over 10 years!


Serving All the Heroes in Our Community with Better Banking

Whether you want to start building credit, or start growing your savings, your assets, or your family, MCU has a variety of products with competitive rates, member-friendly terms, and the tools you need to build an exceptional financial future.

No Matter Where You Are in Life, We’re Right There with You.

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.

That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.

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Get the Most Out of Your MCU Membership.

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Get Answers to Our Most Frequently Asked Questions.

Can my spouse or children receive coverage?

The Family Plan can cover your spouse at 50% of the coverage level you choose for yourself. Dependent children will be covered for 20%. If you have no dependent children, your spouse will be covered for 60%. If you do not have a spouse, each of your dependent children will be insured for 25% of the coverage level you choose. Some features may vary by state.

Does my coverage ever end?

Your no-cost AD&D insurance lasts as long as you remain a member of MCU or until you decide to terminate membership. If you opt into additional coverage, you’ll maintain that coverage as long as payments are made on it.

Do I get a payout if I’m hospitalized?

Hospitalization benefits under AD&D are limited to those that are related to a covered accident under the policy. Similarly, there would not be any benefits paid out under TruStage® AD&D due to hospitalization related to an infectious disease. TruStage AD&D does not cover deaths due to natural causes, including viruses.

Is AD&D the same as Life Insurance?

AD&D is not the same as traditional life insurance, but it can be a good complement to life insurance, enhancing your overall protection—even adding coverage for specific injuries from accidents that don’t lead to death. For instance, TruStage® offers additional Cancer Heart Attack & Stroke Coverage to MCU members who activate coverage, but TruStage AD&D does not cover deaths due to natural causes.

Can the amount of coverage I get change?

Purchasing Additional Coverage includes the Increasing Benefit, which means the longer you have the coverage, the value of the Additional Coverage could increase each year by 5 percent for up to a total of 50 percent over 10 years, at no added cost to you. For example, a $100,000 Additional Coverage amount could be $150,000 after 10 years of being active.

From age 18 to 69, your coverage can’t decrease for any reason. At age 70, however, the full amount of coverage you have will decrease by 50 percent. Some features may vary by state.

Ready to Join the MCU Community?

Apply now to get access to the competitive rates, personalized service, and educational resources you need to create a foundation for an exceptional financial future.



*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage® AD&D Insurance.

Product availability, features, benefits and discounts may vary by state. All insurance products have limitations, exclusions and terms for keeping them in force. The insurance product(s) referenced above and offered for sale at the credit union is not a deposit, is not insured by The National Credit Union Share Insurance Fund, the NCUA, or any other governmental agency or deposit insurance program and is not sold, underwritten or guaranteed by the credit union or any affiliated entity. Municipal Credit Union and TruStage are separate and distinct organizations.

TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. TruStage is not owned in whole or in part by Municipal Credit Union or any of its affiliates or subsidiaries. Municipal Credit Union disclaims any and all responsibility for any claim, right, demand or cause of action which may arise out of, or by reason of, TruStage or any other Insurance program or plan, and/or any act or omission of TruStage, its underwriters, agents, servants, employees and assigns.


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