If the unexpected happens, will you be ready?

Take care of those who matter most with no-cost Accidental Death & Dismemberment insurance.

Accidental Death & Dismemberment (AD&D) Insurance

Your accidental death can leave your family with a significant financial burden. Don’t leave them unprepared. Accidental Death & Dismemberment insurance offers your family a safety net—and gives you a little more peace of mind.

What is it?

One of the benefits of your Citadel membership is a no-cost $1,000* TruStage Accidental Death and Dismemberment (AD&D) insurance policy underwritten by A.M. Best “A”-rated CMFG Life Insurance Company.

How does it work?

Once you’re enrolled, your AD&D Insurance pays a cash benefit to your beneficiary due to your loss of life in a covered accident. It also pays benefits if you suffer a covered injury (including loss of limb(s), sight, hearing or speech).

Can I increase my coverage?

Citadel members over the age of 18 can purchase up to $300,000 of additional AD&D coverage or even choose to add another family member.

Sign up now for your no-cost AD&D protection—it only takes two minutes. The extra financial security for your family is worth it.

Sign up now for your no-cost AD&D protection!

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Best For...
Ensuring your family is financially protected in case the unexpected happens.
Covering yourself or a family member in case a serious injury occurs.

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*Accidental Death & Dismemberment Insurance Agreements and Disclosures

View *Accidental Death & Dismemberment Insurance Agreements and Disclosures

Insurance Products: Are not deposits of, guaranteed by or insured by Citadel, the NCUA or any Federal Government Agency. Are obligations of the issuing insurance company, which is not affiliated with Citadel.


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.


Other coverage amounts are available.


One no-cost coverage offer per credit union member.


Additional coverage can only be purchased by those over the age of 18. Once you or your insured spouse reach age 70, the no-cost and additional coverage amount is reduced by 50%.


CMFG Life Insurance Company is rated “A” (Excellent) as of February 2017 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third-highest of 16 ratings.