TruStage believes protecting your family with whole life insurance should be simple and affordable, with options that fit your budget.

Ages 35-70
  • Apply online in minutes
  • Just two health questions
  • Premiums never increase
30-day Guarantee. If you're not completely satisfied, simply cancel within the first 30 days and get a full refund—no questions asked.

Why choose TruStage Whole Life Insurance?

TruStage Life Insurance is underwritten by CMFG Life—a company that's 80 years strong, consistently rated "A" (Excellent) by A.M. Best1 and trusted by millions of families and their credit unions.


When does it pay?

No matter how or when you die, your policy pays income-tax-free money your family can use for final expenses or any reason. TruStage processes most claims in four days or less.2


What's the advantage?

Even a small policy can help provide peace of mind, knowing you have permanent protection for your loved ones, with coverage and a premium locked in for life. It also builds some cash value over time.


Will my policy be cancelled if I get cancer?

No. If you're approved, and as long as your premiums are paid, your policy can't be cancelled by anyone but you—even if you get cancer or another illness. Whole life is permanent protection.


Do I have to answer health questions?

No, not if you choose TruStage Guaranteed Acceptance Whole Life Insurance. This can be a good option if you want peace of mind from knowing you can’t be turned down and immediate coverage (limited in first two years).

  • What is TruStage?

    Endorsed by credit unions, trusted by more than 17 million families.

    TruStage offers life insurance, an auto and home insurance program and a health insurance program through the TruStage Insurance Agency.

    With a commitment to dependability and service-first philosophy, we’ve earned the confidence of thousands of credit unions and more than 17 million families.

    Learn more about TruStage 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 rates 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.

    Guaranteed acceptance whole life

    • offers all the benefits of whole life (limited in the first two years)
    • guarantees your acceptance, with no health questions or medical exam, regardless of your health.
    • provides instant coverage with your first payment.

    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.

    Have more questions?
    Request a call from a licensed agent to answer all your questions.
  • Reasons to Consider Whole Life

    Permanent protection, no matter how or when you die.

    Whole life insurance is comprehensive coverage you can't outlive and that never expires, as long as you pay your premiums. No matter how and no matter when you die, your beneficiaries receive a benefit.

    Whole life insurance can be a good choice by itself or combined with other types of coverage. For example, adding term life insurance when your family’s growing can provide a higher level of protection at an important time. Then, when the term policy expires, your whole life policy continues providing lifelong coverage.