<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/ncen" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:sccom="http://www.sec.gov/edgar/sccommon" xmlns:ncom="http://www.sec.gov/edgar/ncencommon" xmlns:iso="http://www.sec.gov/edgar/iso_statecodes" xmlns:exch="http://www.sec.gov/edgar/iso_exchangelist" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <schemaVersion>X0201</schemaVersion>
  <headerData>
    <submissionType>N-CEN</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <issuerCredentials>
          <cik>0000732726</cik>
          <ccc>XXXXXXXX</ccc>
        </issuerCredentials>
      </filer>
      <investmentCompanyType>N-6</investmentCompanyType>
    </filerInfo>
    <seriesClass>
      <reportClass>
        <classInfo>
          <classId>C000060833</classId>
          <!--Field: Pseudo-Tag; ID: Class Name; Data: MEMBERS Variable Universal Life-->
        </classInfo>
        <classInfo>
          <classId>C000060834</classId>
          <!--Field: Pseudo-Tag; ID: Class Name; Data: MEMBERS Variable Universal Life II-->
        </classInfo>
        <classInfo>
          <classId>C000060838</classId>
          <!--Field: Pseudo-Tag; ID: Class Name; Data: Ultra Vers%2DALL LIFE-->
        </classInfo>
      </reportClass>
    </seriesClass>
  </headerData>
  <formData>
    <generalInfo reportEndingPeriod="2019-12-31" isReportPeriodLt12="N"/>
    <registrantInfo>
      <registrantFullName>CMFG VARIABLE LIFE INSURANCE ACCOUNT</registrantFullName>
      <investmentCompFileNo>811-03915</investmentCompFileNo>
      <registrantCik>0000732726</registrantCik>
      <registrantLei>00000000000000000000</registrantLei>
      <registrantstreet1>2000 Heritage Way</registrantstreet1>
      <registrantcity>Waverly</registrantcity>
      <registrantzipCode>50677-9202</registrantzipCode>
      <registrantstate>US-IA</registrantstate>
      <registrantcountry>US</registrantcountry>
      <registrantphoneNumber>800-798-5500</registrantphoneNumber>
      <websites>
        <website webpage="www.cmannuities.com"/>
      </websites>
      <locationBooksRecords>
        <locationBooksRecord>
          <officeName>Ross Hansen</officeName>
          <officeAddress1>5910 Mineral Point Road</officeAddress1>
          <officeCity>Madison</officeCity>
          <officeStateCountry officeState="US-WI" officeCountry="US"/>
          <officeRecordsZipCode>53705</officeRecordsZipCode>
          <officePhone>608-665-7416</officePhone>
          <booksRecordsDesc>corporate records</booksRecordsDesc>
        </locationBooksRecord>
      </locationBooksRecords>
      <isRegistrantFirstFiling>N</isRegistrantFirstFiling>
      <isRegistrantLastFiling>N</isRegistrantLastFiling>
      <isRegistrantFamilyInvComp>N</isRegistrantFamilyInvComp>
      <registrantClassificationType>N-6</registrantClassificationType>
      <isSecuritiesActRegistration>Y</isSecuritiesActRegistration>
      <chiefComplianceOfficers>
        <chiefComplianceOfficer>
          <ccoName>John Monroe Landers, Jr.</ccoName>
          <crdNumber>006494292</crdNumber>
          <ccoStreet1>5910 Mineral Point Road</ccoStreet1>
          <ccoCity>Madison</ccoCity>
          <ccoStateCountry ccoState="US-WI" ccoCountry="US"/>
          <ccoZipCode>53705</ccoZipCode>
          <ccoPhone>XXXXXX</ccoPhone>
          <isCcoChangedSinceLastFiling>N</isCcoChangedSinceLastFiling>
          <ccoEmployers>
            <ccoEmployer ccoEmployerName="N/A" ccoEmployerId="N/A"/>
          </ccoEmployers>
        </chiefComplianceOfficer>
      </chiefComplianceOfficers>
      <isRegistrantSubmittedMatter>N</isRegistrantSubmittedMatter>
      <isPreviousLegalProceeding>N</isPreviousLegalProceeding>
      <isPreviousProceedingTerminated>N</isPreviousProceedingTerminated>
      <isFinancialSupportDuringPeriod>N</isFinancialSupportDuringPeriod>
      <isExemptionFromAct>N</isExemptionFromAct>
      <principalUnderwriters>
        <principalUnderwriter>
          <principalUnderwriterName>CUNA Brokerage Services, Inc.</principalUnderwriterName>
          <principalUnderwriterFileNumber>008-30027</principalUnderwriterFileNumber>
          <principalUnderwriterCrdNumber>000013941</principalUnderwriterCrdNumber>
          <principalUnderwriterLei>N/A</principalUnderwriterLei>
          <principalUnderWriterStateCountry principalUnderWriterState="US-IA" principalUnderWriterCountry="US"/>
          <isPrincipalUnderwriterAffiliatedWithRegistrant>Y</isPrincipalUnderwriterAffiliatedWithRegistrant>
        </principalUnderwriter>
      </principalUnderwriters>
      <isUnderwriterHiredOrTerminated>N</isUnderwriterHiredOrTerminated>
      <publicAccountants>
        <publicAccountant>
          <publicAccountantName>Deloitte &amp; Touche LLP</publicAccountantName>
          <pcaobNumber>34</pcaobNumber>
          <publicAccountantLei>N/A</publicAccountantLei>
          <publicAccountantStateCountry publicAccountantState="US-IL" publicAccountantCountry="US"/>
        </publicAccountant>
      </publicAccountants>
      <isPublicAccountantChanged>N</isPublicAccountantChanged>
      <isOpinionOffered>N</isOpinionOffered>
      <isMaterialChange>N</isMaterialChange>
      <isAccountingPrincipleChange>N</isAccountingPrincipleChange>
    </registrantInfo>
    <unitInvestmentTrust>
      <depositors>
        <depositor>
          <depositorName>CMFG Life Insurance Company</depositorName>
          <depositorCrdNo>N/A</depositorCrdNo>
          <depositorLei>N/A</depositorLei>
          <depositorStateCountry depositorState="US-IA" depositorCountry="US"/>
          <depositorUltimateParentname>CMFG Life Insurance Company</depositorUltimateParentname>
        </depositor>
      </depositors>
      <isUitAdminHiredTerminated>N</isUitAdminHiredTerminated>
      <registrantSeparateInsuranceAccount isRegistrantSeparateInsuranceAccount="Y" separateAccountSeriesId="S000010316"/>
      <numOfContracts>11031</numOfContracts>
      <contractSecurities>
        <contractSecurity separateAccountSecurityName="MEMBERS Variable Universal Life" separateAccountContractId="C000060833" separateAccountTotalAsset="181300000" numContractsSold="0" grossPremiumReceived="6183379.45" grossPremiumReceivedSection1035="0" numContractsAffected="0" contractValueRedeemed="6275234" contractValueRedeemedSection1035="1603768" numContractsAffectedRedeemed="43"/>
        <contractSecurity separateAccountSecurityName="MEMBERS Variable Universal Life II" separateAccountContractId="C000060834" separateAccountTotalAsset="60800000" numContractsSold="0" grossPremiumReceived="2167649.15" grossPremiumReceivedSection1035="0" numContractsAffected="0" contractValueRedeemed="5259176" contractValueRedeemedSection1035="474228" numContractsAffectedRedeemed="14"/>
        <contractSecurity separateAccountSecurityName="Ultra Vers-ALL LIFE" separateAccountContractId="C000060838" separateAccountTotalAsset="14000000" numContractsSold="0" grossPremiumReceived="304898.21" grossPremiumReceivedSection1035="0" numContractsAffected="0" contractValueRedeemed="255645" contractValueRedeemedSection1035="10888" numContractsAffectedRedeemed="1"/>
      </contractSecurities>
      <isRule6C7Reliance>N</isRule6C7Reliance>
      <isRule11A2Reliance>N</isRule11A2Reliance>
    </unitInvestmentTrust>
    <signature registrantSignedName="CMFG Variable Life Insurance Account" signedDate="2020-03-09" signature="/s/Thomas J. Merfeld" title="Thomas J. Merfeld, Executive Vice President*"/>
  </formData>
</edgarSubmission>
