Trusted by your You trust your credit union to provide value. It endorses ad&d TruStage products and programs because for more than 75 years we’ve been providing exceptional value and superior service exclusively to credit unions and their members. We’ll strive to exceed your expectations every day – with every call, every question, and every claim. We’re here to protect you and the people who matter most in your life.

For more information on these benefits or if you have questions: visit TruStageADD.com or call toll-free 1-855-612-7910 Monday - Friday ...... 7am - 9pm CT Saturday ...... 8am - 4pm CT Product availability, benefit features and exclusions may vary by state.

TruStage products and programs are made available through the companies of the CUNA Mutual Group. They have been providing insurance and designed for credit unions and their members for more than 75 years, serving more than 13 million credit accidents can happen. union members. $1,000 of insurance coverage at absolutely The total amount of Accidental Death & Dismemberment additional coverage you may have with us, for all certificates, is $500,000. Other coverage amounts are available. TruStage™ is the marketing brand for AD&D Insurance issued by CMFG no cost Company. This insurance is not federally insured or guaranteed or sold by your credit union. Products may not be available in all states. Be sure to understand the complete details of Exclusively for coverage, including any exclusions and limitations. credit union members

Universal 1 Credit Union U1iMPu1cu.orgrint area 800.762.9555 MC2264B_STD1-0812 Base Policy Series E10a-014-2001 AD&D insurance

Your credit union has made $1,000 Benefits you’ll receive with of TruStage™ Accidental Death and additional protection Dismemberment Insurance available to Exclusive “Cost of Living” benefit you. This no-cost coverage, fully paid for TruStage AD&D coverage will be increased by 5% every by your credit union, is underwritten by two years on the anniversary of your coverage at no added cost to you. Keep your coverage in sync with the CMFG Life Insurance Company. Please cost of living up to a maximum 25% increase. go online or call to activate this coverage. Hospital benefit If you or your covered spouse or child are hospitalized within one year due to injuries caused by a covered This can be a valuable and affordable supplement to accident and are confined for more than 7 days, we will life insurance and pays a cash benefit in the event of a pay a hospital benefit from the first day of confinement. covered injury or death due to an accident. Double accidental death benefit Here are just a few reasons you may wish to accept If you die within one year of an accident while traveling this offer. on public transportation as a ticketed passenger, your Acceptance is guaranteed additional coverage doubles. No medical exam or health questions are required. Members age 18 and older cannot be turned down. Family plan option You are protected 24/7 Family protection Your coverage is always in effect no matter if you are The Family Plan can put your entire family under an at home, at work, or traveling. That’s protection your umbrella of protection by covering your spouse at 50% family can count on! of your coverage level and dependent children at 20% of your coverage amount. It also includes benefits for child care and college education, as well as a child Choice of benefit amounts savings fund benefit. Your no-cost coverage may not be enough in the event of a covered accident. Eligible members have the option of choosing from $10,000 to $300,000 additional accident insurance protection at affordable rates. At age 70, coverage (no-cost and additional) is Activate your NO-COST reduced by 50%. insurance now

Contact us to start your insurance and consider adding additional coverage: visit TruStageADD.com or call toll-free 1-855-612-7910 Monday - Friday...... 7am - 9pm CT Saturday...... 8am - 4pm CT PRODUCT OVERVIEW TruStage ®

Program ACCIDENTAL DEATH &

TruStage InsuranceTruStage DISMEMBERMENT INSURANCE

PROTECTION FOR THE UNEXPECTED When it comes to accidents, members often think, “It will never happen to me.” But the fact of the matter is, accidents do happen. With TruStage AD&D Insurance, it’s easy to make sure your members have coverage when it comes to the unforeseen.

ACCIDENTS ARE THE #1 CAUSE OF DEATH FOR THOSE UNDER 44 1 IN 3 CREDIT UNION and are among the top 5 MEMBERS NATIONWIDE causes for every age group.1 are protected by TruStage AD&D Insurance.2

Making complimentary accidental death insurance available to your members provides guaranteed coverage in the event that a real danger occurs. And it sets them on a pathway to additional coverage that builds value to you over the long term. TruStage AD&D Insurance offers important protection for your members. And it aligns with your credit union values while generating non-interest income for your credit union.

Guaranteed coverage for every credit union member

Member-only Knowledgeable Supplement to Fast online rates guidance life insurance application

Proven value for one and all

120% $52 median growth MILLION in noninterest income in member benefits after three years3 paid in 20154

With $47 million in noninterest income paid to credit unions in 2015,4 you can count on TruStage to strengthen your credit union and help safeguard your members. Learn more at www.cunamutual.com/ADD or contact your CUNA Mutual Group Sales Executive at 800.356.2644

TruStage AD&D Insurance is part of the TruStageTM Insurance Program, which consists of auto and home, life, AD&D and health insurance. The program provides built-in marketing support across multiple channels, ensuring your members’ insurance experience is aligned with your credit union’s values.

P.O. Box 391 | 5910 Mineral Point Road | Madison, WI 53701-0391

1 National Vital Statistics Report, National Center for Health Statistics, December 2014. 2 CUNA Mutual Group Internal Analysis of members of credit unions participating in the TruStage Insurance Program for AD&D, 2015. 3 CUNA Mutual Group Internal Study of AD&D Takeovers, 2015. 4 TruStage Internal Reports, 2013. TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies. CUNA Mutual Group Proprietary and Confidential. Further Reproduction, Adaptation or Distribution Prohibited. ADD-1501007.1-0516-0618 CUNA Mutual Group © 2016 PRODUCT OVERVIEW TruStage ® AUTO & HOME Program INSURANCE PROGRAM TruStage InsuranceTruStage Proven. Predictable. Immediate.®

PROTECTION FOR MEMBER RELATIONSHIPS In a world where six of the top 10 insurance companies are affiliated with banks,1 the TruStage Auto & Program empowers you to meet the needs of your members. All while aligning with your credit union values and complementing, not competing, with your core products.

83% $509 OF CONSUMERS IS THE AVERAGE AMOUNT SAVED trust recommendations from by members who switched to the people they know.2 TruStage Auto & Home Insurance Program.3

You’re the key to helping your members get the insurance they need with the member experience they expect. And the TruStage Auto & Home Insurance Program is proven to help protect your members with secure coverage provided by nationally known industry leaders Liberty Mutual and Esurance. With the TruStage Auto & Home Insurance Program, you build stronger member relationships and help your members secure the right protection at the right time.

An opportunity to serve your members even better

NEARLY OUT 63% 80% 3 OF 5 OF CONSUMERS OF CONSUMERS CONSUMERS have seriously considered say their credit union does shop for auto insurance what’s best for them.4 using direct channels.5 switching their auto insurer.5

Results you can count on

PROVEN PREDICTABLE IMMEDIATE Coverage provided by Consistent results with You earn bottom line nationally known marketing media backed by income as soon as industry leaders. refined segmentation and a policy is sold. analytics.

Changing needs—like moving or getting a new car—prompt consumers to shop for insurance.2 You’ve helped your members these purchases, now you can also help protect them. Learn more at www.cunamutual.com/auto or contact your CUNA Mutual Group Executive at 800.356.2644

The TruStage Auto & Home Insurance Program is part of the TruStageTM Insurance Program, which consists of auto and home, life, AD&D and health insurance. The program provides built-in marketing support across multiple channels, ensuring your members’ insurance experience is aligned with your credit union’s values.

P.O. Box 391 | 5910 Mineral Point Road | Madison, WI 53701-0391

1 S&P Global Market Intelligence, 2016 Data for Private Auto. 2 Nielsen, Global Trust in Advertising, September 2015. 3 Average annual savings based on countrywide survey of new customers from 8/1/15 to 8/1/16 who reported savings from prior premiums when they switched to Liberty Mutual. Savings comparison does not apply in MA. 4 CUs Tops in Forrester Customer Advocacy 2014 Study, NAFCU News, Dec 15, 2014. 5 comScore’s 2015 Online Auto Insurance Shopping Report. TruStagew Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. TSIP-1825681.1-0617-0719 CUNA Mutual Group © 2017 PRODUCT OVERVIEW TruStage ® Program LIFE INSURANCE TruStage InsuranceTruStage Proven. Empowering. Member-Centric.

EMPOWER YOUR MEMBERS TO GET THE PROTECTION THEY NEED Though they know they need it, members say committing to life insurance can be daunting because of tedious processes or seemingly unattainable coverage expectations. You can be the one who helps empower your members to get the protection they need.

83% OF CREDIT UNION MEMBERS 8.5 OUT OF 10 SAY THEY ranked their credit union NEED LIFE INSURANCE, endorsement as important when yet 43% of them considering life insurance.2 have none at all.1

Help your members tackle life insurance and give them the confidence they seek with TruStage Life Insurance.3 Through TruStage’s straightforward guidance and budget-first approach, we help empower them to make this important decision. TruStage Life Insurance encompasses a full portfolio of term life and whole life products to meet your members’ unique needs while generating noninterest income for your credit union.

The proven, empowering and member-centric way to help your members get protected

PROVEN EMPOWERING MEMBER-CENTRIC multimedia marketing members through approach puts program knowledgeable guidance needs first and a budget-first approach

Customer Satisfaction

89% 99% OF NEW POLICYHOLDERS CREDIT UNION gave a customer RETENTION RATE 4 satisfaction rating of 6 or 7 out of 7.4

Members trust you for sound advice. Help them find the life insurance protection they need to build financial security with a program that drives results. Learn more at www.cunamutual.com/life or contact your CUNA Mutual Group Sales Executive at 800.356.2644

TruStage Life Insurance is part of the TruStageTM Insurance Program, which consists of auto and home, life, AD&D and health insurance. The program provides built-in marketing support across multiple channels, ensuring your members’ insurance experience is aligned with your credit union’s values.

P.O. Box 391 | 5910 Mineral Point Road | Madison, WI 53701-0391

1 2015 Insurance Barometer Study, Life Happens and LIMRA. 2 TruStage Life Creative Concept Test, 2014. 3 TruStage Life Insurance underwritten by CMFG Life Insurance Company. 4 CUNA Mutual Group Program. Reporting, 2015. TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies. The insurance offered is not a deposit and is not federally insurance, sold or guaranteed by your credit union. CUNA Mutual Group Proprietary and Confidential. Further Reproduction, Adaptation or Distribution Prohibited. TSIP-1494207.1-0516-0518 CUNA Mutual Group © 2016