The Truth About TruStage Life Insurance Reviews For 2022

Unveiling the Reality Behind TruStage Life Insurance Reviews

September 26, 20237 min read

When seeking life insurance, it's essential to conduct thorough research and compare policies to ensure your family receives the full death benefit.

To aid you in selecting the best life insurance provider, offers reviews of top providers.

It's important to note that TruStage Guaranteed does not meet our vetting standards, so we do not offer it.

TruStage Guaranteed Whole Life Insurance, an online life insurance provider, simplifies the process by eliminating the need for a medical exam or questionnaire.

In this article, we'll explore the pros and cons of TruStage Guaranteed life insurance, including its term life insurance, guaranteed issue life insurance, and permanent life insurance plans.

While their plans may come at a higher cost compared to other life insurance companies, they offer added convenience by waiving tests or questions typically associated with life insurance products, albeit at a higher price point.

Continue reading to discover more!

Is TruStage a Legitimate Company?

TruStage Insurance Agency is the consumer-facing brand of CMFG Life Insurance Company, a wholly-owned subsidiary of CUNA Mutual Group. It's important to note that TruStage is an agency, not an insurance provider itself.

Presently, TruStage exclusively partners with credit unions and doesn't seem poised to collaborate with traditional banks in the foreseeable future. This unique position limits their partnerships to credit unions only.

However, non-credit union members can still purchase term life insurance through TruStage.

Trustage Whole Life Insurance Ratings

BBB and AM Best Ratings

  • TruStage has received an excellent "A" grade from AM Best. However, it's important to note that it holds a low customer review rating of 2.33/5 and is not accredited by the Better Business Bureau (BBB).

    Typically, the most reliable insurance companies maintain a Customer Complaint Index close to 1.00, whereas TruStage's rating may not meet this standard.

The Truth About TruStage Life Insurance Reviews For 2022

What Products Are Offered by TruStage?

TruStage's products address the life insurance needs of individuals aged 18 to 85.

The company offers three distinct types of plans, each with unique features and benefits.

  • You can opt for Guaranteed Acceptance Whole Life Insurance, which doesn't require a medical exam and guarantees approval, even if previous applications were denied.

  • The Simplified Issue Whole Life plan provides whole-life insurance at a fixed price.

  • Lastly, the Increasing Premium Term plan ensures ongoing financial security until automatic renewals occur after each anniversary date.

What to Understand About TruStage Guaranteed Acceptance Whole Life Insurance Review

TruStage's Guaranteed Acceptance coverage offers a straightforward whole-life policy, with no or minimal health-related concerns. Regardless of your circumstances, rejection is never a concern!

With TruStage's Guaranteed Acceptance whole-life coverage, premiums are refunded if a person passes away during the waiting period due to illness.

However, accidents are paid out immediately, albeit with a 10% interest. Plus, there's ample time to secure this insurance!

What Exactly Is TruStage Whole Life Insurance?

Policy Highlights, Features, and Value

This policy shares common characteristics with its competitors:

  • Available for ages 45 to 80

  • Coverage limits range from $2,000 to a $20,000 minimum

  • Premiums never increase, and coverage remains constant

  • It's a true lifetime policy, meaning it never expires

  • Our life insurance providers waive medical examination requirements

  • No health-related questions asked

  • Cash accumulation feature

  • Payday One: includes a two-year waiting period, Return of Premium (ROP) on illness-related deaths, and coverage for accidental deaths

Please note that we do not offer TruStage Guaranteed Whole Life insurance as it doesn't surpass its competitors in any scenario. In fact, we frequently transition clients still within the two-year waiting period to alternative coverage.

Feel free to read our customer reviews to learn more about us.

The Truth About TruStage Life Insurance Reviews For 2022

Is this policy worth the investment?

Purchasing TruStage Guaranteed Whole Life Insurance isn't advisable.

Primarily, most individuals seeking life insurance can qualify for policies from companies that inquire about their health, often at lower rates compared to guaranteed acceptance plans.

Additionally, it's important to note that only about 1 in 10 applicants genuinely necessitate this type of coverage.

What about reviews of other TruStage Whole Life Insurance plans?

TruStage's guaranteed whole life insurance isn't your standard policy. Before providing coverage, you must pass medical qualification and disclose your previous health history.

Initially, they ask basic questions like "Have I undergone major surgery?" or "What medications am I currently taking?" They gather information about potential future issues stemming from untreated conditions, ensuring comprehensive protection.

Once coverage is approved, there's no waiting period, so you're instantly covered.

Features of TruStage Whole Life Policy

Standard whole life insurance with immediate coverage upon approval

Premiums remain constant, and coverage doesn't decrease

  • Lifetime policy—never expires

  • Cash value accumulation

  • Available for individuals aged 18 to 85

Coverage amounts vary based on current age:

  • Ages 18 to 70: $5,000–$100,000

  • Ages 71 to 75: $5,000 to $50,000

  • Ages 76 to 85: $5,000 to $25,000

What is the VALUE of TruStage Whole Life?

To begin with, they offer comprehensive coverage for burial insurance. Considering higher coverage amounts or simply the need for coverage at all, TruStage Insurance is a viable option worth exploring!

It's undeniable that other insurance companies may offer more competitive deals in terms of pricing—consider lower premiums for whole-life final expense insurance elsewhere in the market.

Advantages of TruStage Life Insurance Reviews:

No need for a medical examination.

It's a major advantage that TruStage doesn't mandate applicants to undergo a medical examination. With this life insurance policy, coverage is still attainable even without health insurance.

Policies starting from $10,000:

TruStage insurance plans are affordable and within reach for everyone. Explore their online application process to find the best available rate.

Quick and Easy Online Application:

Every step of the application process is straightforward and takes just a few minutes.

Whether you're new to applying for life insurance or new to online applications, this process will be seamless for you.

Instant Approval:

Within 24 hours of submitting your TruStage application, you'll receive an instant approval notice via email! This means you could potentially have life insurance coverage right away!

Furthermore, they provide you with a 30-day grace period from when they receive your application to pay the premium before canceling your policy. And remember, this company never imposes cancellation fees when you purchase from them!

Compare life insurance rates now!

What is TruStage Term Life Insurance?

Review Ratings for TruStage Term Life Insurance

TruStage Term Life Insurance is the perfect coverage for those seeking protection regardless of life's uncertainties.

While the cost increases every five years, this coverage expires entirely on your 80th birthday, so be sure to purchase it before then!

The Truth About TruStage Life Insurance Reviews For 2022

TruStage Term Life Features and Value

When considering purchasing a term life insurance policy through TruStage, it's essential to grasp the benefits. This product mirrors Globe Life's term insurance.

  1. Minimum coverage of $5,000; maximum coverage of $300,000

  2. Available age range: 18 to 69

  3. Coverage expires at 80 years old.

  4. Cost increases every five years.

  5. No need for a physical exam, but you'll need to answer basic health questions.

  6. If accepted, coverage starts immediately.

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For those in need of immediate coverage, TruStage life insurance is an excellent option. It's affordable and doesn't require an exam, but be sure to carefully review the terms and conditions before purchasing, as there may be some exclusions to consider.

TruStage offers a term life insurance product that can meet your coverage needs.

However, if you require coverage exceeding $300K and need it urgently for an imminent event or decision, it's advisable to explore other options, such as the American Amicable Term Made Simple policy.

Obtaining life insurance for seniors can be a costly and challenging process. Term life insurance policies may not be the best fit, as there's always a possibility of outliving the coverage period, leaving you without funds for final expenses in the event of an unforeseen circumstance.


Regardless of your health or current circumstances, the team of experienced, certified insurance agents at is committed to assisting you in finding the best life insurance coverage.

With extensive expertise in the field, we are dedicated to providing our clients with the highest level of support.

Our company's founder boasts over 16 years of experience in helping clients with their insurance needs. We exclusively represent top-rated A+ insurance providers and hold licenses in 49 states.

While TruStage insurance coverage may be a suitable choice for some individuals, there are superior life insurance products available on the market. We recommend obtaining life insurance quotes from us if you're seeking Trustage coverage that offers more coverage for less money.

Please don't hesitate to contact us immediately so that we can help you find the right insurance for your needs and financial situation.

TruStage Life Insurance Coverage Options
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