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Whole Life Insurance

Looking for straightforward life insurance to help protect your family’s finances? As a member of California Credit Union, you could get a Whole Life Insurance policy from TruStage™ after answering only a few health questions online. No physical exams, no invasive tests, no hassle — just coverage for your family that never decreases.
TruStage Whole Life Insurance cash benefits

Why TruStage Whole Life?

Whole Life Insurance is designed to last your whole life. If something happens, your family will get a cash benefit.
whole-life-insurance-rates-never-increase
No surprises

Locked-in rate that never increases

Your rate is locked-in upfront. Not even age or health concerns will cost you more. Plus, as long as premiums are paid, your coverage can't be canceled.

Permanent coverage

Designed to last a lifetime

This is permanent coverage that you can keep for life. It’s money your loved ones could use to help pay funeral costs, medical bills and other expenses.

TruStage Whole life insurance coverage for a lifetime
TruStage Whole Life Insurance satisfation guaranteed
Takes only minutes

Simple application process

Getting life insurance should be as easy as possible. That's why you can receive a quote from TruStage online and apply for coverage from your smartphone for an instant decision. Your policy is active 30 days after approval, as soon as your first payment is received. You can even get a full refund within 30 days of your coverage start date if you're not 100% satisfied.

TruStory

Do I need life insurance?

Life Insurance can help give you confidence that your family will be cared for financially. If something happens to you, they won't have to pay debts or funeral expenses alone. And that’s a great feeling.

Frequently asked questions

    • Life insurance means you're helping prepare your loved ones for the unexpected — a thoughtful and appreciated gesture.
    • It's designed to help 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 may be able to borrow against in the future. Any outstanding loan balance is subtracted from the payment your beneficiary receives.
  • Term 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.

    Whole Life Insurance

    • has rates that remain the same throughout your lifetime.
    • could 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

    • coverage for those age 45-80
    • guarantees your acceptance, with no health questions or medical exam, regardless of your health.
    • provides instant coverage with your first payment.
  • Any amount of coverage could make a difference for your family. Of course, everyone’s needs are different, and a licensed TruStage agent can help you decide what makes sense for your family.

  • 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.