Term life insurance:

Budget-maximizing protection when you need it most.


Term life insurance:

Budget-maximizing protection when you need it most.

A variety of options. A few basic questions. Satisfaction guaranteed.

  • A range of coverage amounts and term lengths to protect your family. We'll help you make a good choice that could provide for your family's needs.
  • Options customized to fit your budget. Start with the amount you want to pay, and in two simple steps, we'll show you options designed to be affordable for you. Or, customize your insurance budget based on your income.

Choose a monthly payment.

See a payment based on your income.
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Applying is convenient. To get started, answer just a few questions and there's no medical exam in most cases.

30-day Guarantee. If you're not completely satisfied, simply cancel within the first 30 days and get a full refund - no questions asked.

Learn More About TruStage Term Life Insurance

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  • What is TruStage?

    Insurance endorsed by credit unions, more than 16 million members strong.

    At TruStage, our team of experts and well-known companies share in the desire to help you prepare for life's important moments, no matter how big or small.

    Our products—including life insurance, an auto and home insurance program and a health insurance program—are made available through the TruStage Insurance Agency.

    Over the years, we’ve earned the confidence of thousands of credit unions and more than 16 million members. With a commitment to dependability and service-first philosophy, we strive to help you achieve the insurance protection you want for your family.

    Learn more about TruStage, our history, and how we help protect what matters most.
  • FAQs

    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 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.

    Compare whole and term life rates

    • Start with what you want to pay.
    • Use a simple two-step tool to see the options.

    Run the Numbers

    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.

  • Reasons to Consider Term Life

    High coverage protection that's designed to be affordable.

    Term life insurance is a simple, straightforward option for protecting your family from the loss of your income if you die, at rates designed to fit your budget. It's income-tax-free money your family could use for any purpose, when they need it most.

    Term life insurance is designed to be affordable and offers a range of coverage amounts. You can even convert your policy to whole life insurance later on if you decide you need more comprehensive coverage.

    For help deciding how much coverage you need, a rate quote, or if you just have some general "what-if" questions, speak with a friendly and knowledgeable insurance expert. Call us at 1-888-888-0376.