Skip to Main Content Skip to Internet Banking Skip to Sitemap
VyStar Credit Union VyStar Credit Union mobile view
  • Login
  • Locations
  • Become a Member
  • Contact Us
Search this site
  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Services
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Supporting Services
      • Small Business Resource Library
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • TruStage® Auto Insurance
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Text Banking
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Brochure Library
    • Video Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Our Military & Veterans
        • VyStar Branch Artwork
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership
Login
Search this site

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
      • Checking Accounts
        • Money Market
        • Magic*Touch
      • Savings Accounts
        • Holiday Savings Account
        • Certificates of Deposit (CD)
    • Lending
      • Auto & Recreational Loans
      • Personal Loans
      • Mortgages
      • Apply for a Loan
      • Make a Loan Payment
      • Adoption Line of Credit
      • Emergency Relief Loan
    • Business Services
      • Business Membership
      • Business Deposit Accounts
      • Business Lending
      • Supporting Services
      • Small Business Resource Library
    • Cards & Services
      • Credit Cards
      • Debit Cards
      • Visa Reloadable Prepaid Cards
      • Gift Cards
      • uChoose Rewards
    • Investments
      • VyStar Investment Services
    • Insurance
      • TruStage® Auto Insurance
      • Family Protection
        • Delta Dental®
    • Real Estate Services
      • VyStar Title Agency
  • Online Services
    • Mobile
      • Mobile Check Deposit
      • Text Banking
      • Touch ID/Fingerprint Recognition
      • Card Control App
    • Internet Banking Access
      • Bill Pay Services
      • Send Money with Zelle®
      • External Transfers
      • Email, Text and Push Alerts
      • Entitlements
      • Make a VyStar Payment
      • Internet & Mobile Security
      • Ways to Go Green
    • Protection Center
      • Reporting Fraud
      • How to Protect Yourself
        • FraudScout
      • How VyStar Protects You
        • Scam Warnings
  • Financial Tools
    • Advice & Planning
      • Financial Calculators
      • Money Management
      • Financial Counseling
      • Real Estate Tools
        • Should You Refinance?
      • Hurricane Resources
      • Loan Tools
    • Financial How-To
      • Money Makeover
      • Accounts Management
        • Setting Up Direct Deposit
      • Personal Finances
        • Create a Budget
        • Free Credit Report
    • Investments & Insurance Tools
      • Introduction to Insurance
      • Saving for Retirement
      • Investment Vehicles
      • History and Trends of the Stock Market
      • Compound Interest Mind Bend
      • Rule of 72
    • Brochure Library
    • Video Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
      • Holiday Closings
    • Newsroom
      • Current Promotions
      • VyStar Branch Artwork
    • Organization
      • Our Vision & Mission
      • Our History
      • Our Team
      • Financial Information
    • Community Involvement
      • Veterans Memorial Arena
      • High School Branch Programs
      • Sponsorship Requests
      • Get Involved with Community Events
      • Our Military & Veterans
        • VyStar Branch Artwork
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
      • Join Now - Open an Account
      • Why Join VyStar
      • Who Can Join
      • How To Join
      • VyStar Switch Kit
      • Apply for a Loan
      • Owner's Manual
    • Benefits of VyStar Membership

  • Login
  • Locations
  • Become a Member
  • Contact Us
Home > Products & Services > Insurance > Family Protection > TruStage® Life Insurance

TruStage® Life Insurance Plans

Family bike ridingTruStage offer our members TruStage Life Insurance Policies to help you protect the people who matter most in your life. With many different options in whole and term life policies, it makes sense to check rates and look into how these life insurance plans and policies fit your budget. TruStage Life Insurance is underwritten by CMFG Life Insurance Company.

Learn about this important coverage or call 1-855-612-7909 for more information.

Sign Up Today!


Review the features for each type of coverage:

Insurance Features
Term Life Insurance
  • High coverage amounts with affordable payments that fit your budget today
  • Flexibility for the future: Convert to whole life insurance at any time
  • Covers ages 25 to 69
  • Coverage options range from $5,000 to $100,000
Get term life insurance pricing here.
Whole Life Insurance
  • Permanent, lifelong protection with no rate increases
  • Fits most budgets
  • Covers ages 35 to 70
  • Comprehensive coverage ranges from $1,000 to $25,000
Get whole life insurance pricing here.
Guaranteed Acceptance Whole Life Insurance
  • All the benefits of whole life (limited in the first two years), plus no being turned down because of your health
  • Covers ages 45 to 80
  • Coverage ranges from $2,000 to $25,000
Get guaranteed acceptance insurance pricing here.
Children’s Whole Life Insurance
  • Coverage starts at about $5 a month
  • Rates are locked in and guaranteed for life
  • Your child can keep coverage and increase coverage amount as an adult
Get more information about children's whole life insurance here.

Frequently Asked Questions

Why should I consider buying life insurance?

  • Life insurance means you're preparing your loved ones for the unexpected-a thoughtful and appreciated gesture.
  • It's designed to help safeguard growing financial commitments like day-to-day expenses, a mortgage, debt payments, and even aspirational promises like college costs for your kids.
  • It can help your family cover financial expenses.
  • It can provide a way to leave money to charity.
  • Whole life policies build some cash value you can borrow against in the future. Any outstanding loan balance is subtracted from the payment your beneficiary receives.

What are the differences between term and whole?

Term life insurance Whole life insurance
  • can provide affordable, high-coverage protection for a specific period of time (or term).
  • pays a benefit if you die during the term.
  • could have benefits and premiums that change over time, depending on the specific policy.
  • offers coverage you can never outlive.
  • has rates that remain the same throughout your lifetime.
  • can provide a future source of money prior to your death, building cash value over time.
  • allows for loans (which incur interest) against the value, with unpaid amounts decreasing the death benefit.
Guaranteed acceptance whole life Compare whole and term life rates
  • offers all the benefits of whole life (limited in the first two years)
  • guarantees your acceptance, with no health questions or medical exam, regardless of your health.
  • provides instant coverage with your first payment.
  • Start with what you want to pay.
  • Use a simple two-step tool to see the options.

How much life insurance do I need?

Any amount of coverage can make a difference for your family. As a starting point, you may want to consider budgeting 1% of your annual income before taxes. Of course, everyone’s needs are different, and a licensed TruStage agent can help you decide what makes sense for your family.

Is a medical exam required?

To help ensure we can offer you our best possible rates, more medical information is required as your coverage amount increases. For lower amounts, it could be as easy as a few simple questions.

Regardless, in most cases, no physical exams or medical tests are required. In rare cases, a paramedical exam is required to verify information received during underwriting.


Life Insurance and ADD infographic: Life Insurance and Accidental Death Insurance simplified, Enjoy life to the fullest knowing your loved ones are protected. Protection can be less expensive than you may think. Perceived cost is higher than actual cost. 80%25 of people overestimate the cost of life insurance by 250%251  -- TruStage is here to shine a little light on life insurance and AD&D. Three Types of coverage: Whole Life, Term Life, Accidental Death & Dismemberment (AD&D) - Whole life, when it pays: pay no matter how or when you die, Cost $$$, Unique Feature: Builds some cash value over time, Core Advantage: helps provide lifelong peace of mind. Term Life: When it pays, pays no matter how you die, within a time period, Cost $$, Unique feature: Can convert to whole life, Core Advantage: Affordability today, flexibility tomorrow. AD&D: When it pays, pays only in event of an accident, no matter when. Cost $, Unique feature: No health questions asked, Core Advantage: Lower-cost accident coverage for as long as you like. Which is right for you? Everyone's different. But everyone has something or someone to protect. So ask yourself: What do you value? What concerns you the most? -- This is Jane. She is considering Guarantee, Consistency and Permanence. She chose whole life. She appreciates security and predictability above all else. Uncertainty makes her uncomfortable. That's why Jane chose Whole Life. This is Paul. He considers Flexibility, Coverage for big expenses and lower cost. He chose Term Life. He loves value. And while he has big responsibilities ahead of him, he doesn't think his insurance needs will last forever. That's why Paul chose Term Life. This is Mary. She considers Accident Protection, Extra Coverage and Lowest Cost. She chose AD&D. She's like to add coverage, but cost is an issue, and accidents are a big concern. That's why Mary chose AD&D. Why choose TruStage? We provide trusted insurance protection designed for credit union members. Serving 15,000,000 Members & Endorsed By 4,000 Credit Union. We make life insurance easier for your family, too. TruStage processes most claims in four days or less.2 -- Now that you've got it, it's time to act Call us now. Start now with a few simple questions. Coverage may never be more affordable than it is today. Phone 888-888-0375. Visit us online: trustage.com/life  1: Source: 2014 Insurance Barometer, LIMRA and LIFE Foundation, 2014. DTCG-965818.1-0714-0816 2: Source: Process time for non-contestable life claims, CUNA Mutual Group claims reporting, 2013. Like other insurance policies, TruStage™ Life Insurance and Accidental Death & Dismemberment Insurance policies contain charges, limitations, exclusions, termination provisions and terms for keeping them in force. Contact us for complete details. TruStage™ Life Insurance and Accidental Death & Dismemberment Insurance are 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.

Compare Insurance
Compare Insurance
Choose your budget, answer two basic questions and receive your options in seconds.
Compare Now

TruStage Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. LIFE-1112-8F55

Restrictions and limitations may apply.

TruStage® Life Insurance
Family Protection
  • Delta Dental®
  • TruStage® Accidental Death
  • TruStage® Life Insurance
Related Resources

Credit Unions vs. Banks

Financial Calculators

  • Rates
    • Business Deposit & Loan Rates
    • Certificate Account Rates
    • Consumer Loan Rates
    • Credit Card Rates
    • Deposit Account Rates
    • Home Equity Loans & Lines Rates
    • Mortgage Loan Rates
  • Products & Services
    • Checking & Savings
    • Lending
    • Business Services
    • Cards & Services
    • Investments
    • Insurance
    • Real Estate Services
  • Online Services
    • Mobile
    • Internet Banking Access
    • Protection Center
  • Financial Tools
    • Advice & Planning
    • Financial How-To
    • Investments & Insurance Tools
    • Video Library
    • Brochure Library
    • VyStar University
  • About Us
    • Blog
    • Calendar
    • Newsroom
    • Organization
    • Community Involvement
    • Credit Unions vs. Banks
  • Membership & Benefits
    • Becoming a New Member
    • Benefits of VyStar Membership
  • Like our page on Facebook
  • See our photo stream on Instagram
  • Follow us on Twitter
  • Subscribe to our YouTube channel
  • Check us out on LinkedIn
  • Explore our Pins
  • Sitemap
  • Careers
  • Disclosures
  • Privacy
  • Security
  • Accessibility

VyStar Credit Union
P.O. Box 45085
Jacksonville FL 32232
904-777-6000 or 1 (800) 445-6289
Routing Number 263079276

  • Federally Insured by NCUA
  • Equal Housing Lender
  • Verified by Visa