TruStage^® Life Insurance Plans

TruStage 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.

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.

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.

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.