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Life insurance for your budget

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Life insurance that fits your budget

Receive an instant decision and buy online

Life insurance that fits your budget

Receive an instant decision and buy online
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Your whole life insurance quote:

Get a lifetime of protection at a rate that's locked-in upfront. No physical exams required.

Your term life insurance quote:

Term life can help guard your family against major costs with coverage that never decreases.

Your Guaranteed Acceptance Whole Life insurance quote:

You won't be denied because of health. Help protect your family without the hassle.
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What is term life insurance?

  • TruStage Term Life insurance can help you protect your family against loss of income if you were to pass away before age 80.

    Key Features:

    • Coverage that never goes down. You can count on full benefits as long as premiums are paid
    • No physical exam. Just a few yes or no questions on the application.
    • Simple and easy. Apply online for an instant decision. If approved, you can buy online as well!
    • Benefits are typically free from income tax. A cash benefit is paid to your beneficiaries in one lump sum.
    • Affordable coverage until age 80. Lasting coverage at rates designed to fit your budget.
  • Your initial monthly rate is based on your current age and gender and will increase as you enter each five-year age band (25, 30, 35, 40, 45, 50, 55, 60, 65, 70 and 75). Rates are backed by CMFG Life Insurance Company.

  • Applying is designed to be simple, easy, and 100% online. Just click "Apply" above to begin.

    First, you'll name the people you want to protect with this coverage. Then you'll be asked a few basic questions, and we'll ask permission to check your prescription records. We'll also need your contact information and some information about you (the policyholder) for security purposes.

    Next up is your payment information. Don't worry – you'll only be charged if your coverage is approved. You can choose to pay via a checking or savings account, or by credit or debit card.

    Finally, you'll review your responses, and then accept and sign. If you're approved, you'll be covered when your first payment processes.

    • The name(s) of your beneficiaries. From your next of kin to your next-door neighbor, anyone can be your beneficiary. You can add up to four beneficiaries in the initial online application, but we can help you add as many as you need after your policy has been issued.
    • Information about you. We'll need the basics – your name, SSN, email address, mailing address, and phone number.
    • Existing coverage information, if you have any. If you're applying for a policy that will replace, discontinue, or change any other life insurance coverage you might have, we'll need to know the name of the insurance company and your policy number.
    • Payment information. You can set up automatic payments for your policy using a checking or savings account, or your credit or debit card. You'll only be charged if your coverage is approved.
  • Apply today with confidence. If you are not 100% satisfied for any reason, simply cancel within the first 30 days after your coverage begins and your premium will be refunded in full. No questions asked.

  • Your eligible spouse or legal partner (age 25-69) can apply, too. We encourage you both to consider this coverage to help protect your family's future.

  • As you grow older and your needs change, you may decide you'd rather have permanent whole life insurance. You can convert all or part of your coverage to whole life at any time after the policy is in force. No health questions asked.

  • If death results from suicide during the first two years of coverage (one year in ND), we will return all of the premiums you've paid without interest.

What is whole life insurance?

  • TruStage Whole Life insurance can help protect your family from the burden of final expenses. Unlike term life insurance, this is permanent protection you can keep for life. As long as premiums are paid, the company can never cancel your coverage, regardless of age or failing health.

    Key Features:

    • No rate increases. Your rate is locked in for life.
    • No physical exam. Just a few yes or no health questions on the application.
    • Lifetime protection. Coverage is in force your entire life.
    • Benefits are typically free from income tax. A cash benefit is paid to your beneficiaries in one lump sum.
    • Builds cash value as it matures, which you can borrow against if the need arises. Note that any loans from a policy's cash value are subject to interest and the balance is deducted from your death benefit.
    • Simple and easy. Apply online for an instant decision. If approved, you can buy online as well!
  • Applying is designed to be simple, easy, and 100% online. Just click "Apply" above to begin.

    First, you'll name the people you want to protect with this coverage. Then you'll be asked a few basic questions, and we'll ask permission to check your prescription records. We'll also need your contact information and some information about you (the policyholder) for security purposes.

    Next up is your payment information. Don't worry – you'll only be charged if your coverage is approved. You can choose to pay via a checking or savings account, or by credit or debit card.

    Finally, you'll review your responses, and then accept and sign. If you're approved, you'll be covered when your first payment processes.

    • The name(s) of your beneficiaries. From your next of kin to your next-door neighbor, anyone can be your beneficiary. You can add up to four beneficiaries in the initial online application, but we can help you add as many as you need after your policy has been issued.
    • Information about you. We'll need the basics – your name, SSN, email address, mailing address, and phone number.
    • Existing coverage information, if you have any. If you're applying for a policy that will replace, discontinue, or change any other life insurance coverage you might have, we'll need to know the name of the insurance company and your policy number.
    • Payment information. You can set up automatic payments for your policy using a checking or savings account, or your credit or debit card. You'll only be charged if your coverage is approved.
  • Apply today with confidence. If you are not 100% satisfied for any reason, simply cancel within the first 30 days after your coverage begins and your premium will be refunded in full. No questions asked.

  • Your eligible spouse or legal partner can apply for this same permanent protection. We encourage you both to consider this coverage to help protect those you leave behind.

  • If death results from suicide during the first two years of coverage (one year in ND), we will return all of the premiums you've paid without interest.

What is Guaranteed Acceptance Whole Life Insurance?

  • TruStage Guaranteed Acceptance Whole Life Insurance can help relieve your family from the burden of funeral costs and other final expenses.

    Key Features:

    • Acceptance is Guaranteed. You cannot be turned down, even if you have cancer or other health problems.
    • No physical exam, no medical questions. You can apply in minutes from the comfort of your own home.
    • Rates never go up. As long as premiums are paid, your rate is locked in for life--guaranteed.
    • Benefits are typically free from income tax. A cash benefit is paid to your beneficiaries in one lump sum.
    • Benefits never decrease. You're covered for your entire life.
  • Your acceptance is guaranteed, even if you have a serious illness or health issues. There are no health questions, and no physical exam. If you’re between the ages of 45 and 80, you are eligible for this permanent protection and you can keep it for life. As long as premiums are paid, the company can never cancel your coverage, regardless of age or failing health (note that benefits are limited in the first two years).

     

  • Applying is designed to be simple, easy, and 100% online. Just click "Apply" above to begin.

    First, you'll name the people you want to protect with this coverage. Then we'll need your contact information and some basic information about you (the policyholder) for security purposes.

    Next up is your payment information. You can choose to pay via a checking or savings account, or by credit or debit card.

    Finally, you'll review your responses, and then accept and sign. You'll be covered when your first payment processes – in some cases, as soon as the same day!

    • The name(s) of your beneficiaries. From your next of kin to your next-door neighbor, anyone can be your beneficiary. You can add up to four beneficiaries in the initial online application, but we can help you add as many as you need after your policy has been issued.
    • Information about you. We'll need the basics – your name, SSN, email address, mailing address, and phone number.
    • Existing coverage information, if you have any. If you're applying for a policy that will replace, discontinue, or change any other life insurance coverage you might have, we'll need to know the name of the insurance company and your policy number.
    • Payment information. You can set up automatic payments for your policy using a checking or savings account, or your credit or debit card.
  • Apply today with confidence. If you are not 100% satisfied for any reason, simply cancel within the first 30 days and your premium will be refunded in full. No questions asked.

  • Your eligible spouse or legal partner is guaranteed this same permanent protection. We encourage you both to consider this coverage to help protect those you leave behind.

  • Here's how we can guarantee your acceptance: if your death is due to natural causes (any cause other than accidental) in the first two years of coverage, benefits are limited to return of premiums paid plus 10%. If death results from suicide in the first two years (one year in ND), we will return all of the premiums you've paid without interest.

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Special offer from your Credit Union

AD&D pays a cash benefit if an accident causes loss of life, or specific permanent injuries.
How does life insurance work?
Compliments of your credit union

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Accidental Death & Dismemberment (AD&D) insurance is straightforward, affordable insurance that can help protect you and your family when the unexpected happens. You can sign up in just a few minutes with no health questions and no medical exam.