What to do when an IMCU account holder dies
Report the death to IMCU's TruStage Payment Protection claims at 1-844-707-4964
After a member of IMCU dies, the TruStage Payment Protection claims manages the transfer of accounts. POD-designated and trust-owned accounts pass directly to beneficiaries. Accounts held solely in the member's name may require probate court documents—Letters Testamentary or Letters of Administration—before funds can be released.
The first step is contacting IMCU at 1-844-707-4964 with the account holder's full name, account numbers, and the death certificate in hand.
Death claim process
Follow these steps to file a death claim with IMCU:
Filing a claim
- Covered claim types include Life, Terminal Illness and Loss of Life of a Dependent
- Fill out the claim form through the claims portal, or call 1.844.707.4964 and a TruStage Claims Specialist guides the process
- IMCU states that the claims processing timeframe varies based on documentation and review
Required Documents
- TruStage Payment Protection claim form, for a loan with Payment ProtectionCompleted through the claims portal or started by phone.
Claims Contact
Website: Online portal →
Accounts handled elsewhere2
- TruStage
Payment Protection claims on IMCU loans1
Phone: 1-844-707-4964
- CMFG Life Insurance Company
Underwrites the "MEMBER'S CHOICE" credit life and credit disability insurance offered through IMCU1
Not in IMCU's published guidance5
- A procedure for reporting a death, for deposit accounts
- A claim form, for deposit accounts
- A list of required documents, for deposit accounts
- How long a claim takes, for deposit accounts
- Terms in its agreements for a customer's death
Sources1
IMCU's TruStage Payment Protection claims can be reached by phone at 1-844-707-4964 for questions throughout the claims process.
Sources
(2)·
Data sourced from IMCU primary sources (21 pages reviewed). How we research.
IMCU death claims support
TruStage Payment Protection claims (IMCU loans with Payment Protection)
Phone
Website
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Forms for Settling an Estate
Free forms for settling an estate: probate petition, small estate affidavit, creditor notice and closing forms. Prepare each form for your state.
Affidavit of Death
Put a joint owner's or a transfer on death deed owner's death on the land records with the affidavit your state's statute names, laid out for recording.
IRS Form 56
Notify the IRS that you are the fiduciary of an estate, a trust or a person, or end a notice filed before, on the official form.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines and taxes. Run each tool for your state.
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Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
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What Happens to Jointly Owned Property When an Owner Dies?
See what your state records when a joint tenant with right of survivorship dies: an affidavit, the death certificate or a new deed.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
