Los Angeles and Orange County Disability Insurance and ERISA Claim Attorneys Fight CMFG Claim Denials

At McKennon Law, we represent clients across the country in disputes involving life insurance, disability insurance, health insurance, and ERISA-governed employee benefit plans. One of the insurers we frequently encounter is CMFG Life Insurance Company (also known as CUNA Mutual), which provides life and disability insurance products to credit union members and other consumers. We have successfully handled numerous cases involving wrongful denials by CMFG, particularly in disputes involving accidental death and dismemberment (AD&D) policies and group life insurance claims. Our firm’s deep knowledge of insurer tactics — gained from decades of experience, including time spent representing insurance companies — allows us to effectively challenge denials and recover benefits for our clients.

CMFG Life Insurance Company is part of the CUNA Mutual Group, a large financial services organization headquartered in Madison, Wisconsin. It primarily markets insurance and investment products to credit union members and their families. While CMFG promotes a consumer-focused image, we often find that its claims handling can be overly restrictive, particularly when it denies claims based on narrow interpretations of policy exclusions or technical application issues. At McKennon Law, we know how to push back against CMFG’s tactics — whether under ERISA or state law — and force the company to honor the promises made in its policies.

CMFG has been known to deny claims based on ambiguous policy language or procedural technicalities, especially in AD&D and life insurance disputes. In individual (non-ERISA) cases, we have seen CMFG attempt to avoid liability by asserting questionable exclusions without conducting a thorough investigation — conduct that may rise to the level of bad faith under California law. Our firm is experienced in pursuing both contractual benefits and extra-contractual damages when an insurer like CMFG places its own financial interests above its duties to the insured. If CMFG fails to pay what it owes, we are fully prepared to take them to court to enforce our clients’ rights.