A Variety of Options. A Few Yes or No Questions. Satisfaction Guaranteed.

  • A range of coverage amounts and term lengths to provide protection for your family that’s designed to be affordable. Working within your budget we’ll help you make a good choice that could provide for your family’s needs.
  • Just a few yes or no questions and no medical exam in most cases. The application takes only minutes to complete over the phone and in the comfort of your home. Once approved, we’ll send you your policy.
  • Apply for TruStage Life Insurance with confidence. If you are not completely satisfied for any reason, simply cancel within the first 30 days and your premium will be refunded in full – no questions asked. Guaranteed.
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Getting started with term life insurance is simpler than you may think—you can apply over the phone or through the mail. Often no medical exam is required, but to help ensure we can offer our best possible rates, more medical information may be required as your coverage amount increases. For lower amounts, it could be as easy as a few simple questions.

Ready to start? Apply today. Call to talk with a friendly, helpful and knowledgeable expert.

Call 1-888-888-0376


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 final 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 main differences between term and whole life insurance?
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
  • offers coverage you can never outlive.
  • has premiums 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.
How much life insurance do I need?

As a starting point, you may consider spending 1% of your annual pre-tax pay on life insurance. This rule of thumb can not only help make coverage an affordable reality, it can also mean the difference between some breathing room for your family and an immediate financial hardship.

Of course, everyone's needs are different so you may need more or less insurance for your situation. A TruStage Representative can help you determine an amount that makes sense for you.

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.