Payments Designed to be Affordable. Options You Understand. Satisfaction Guaranteed.
- We look at your budget and see what coverage makes sense. We begin with a monthly payment you can actually afford and explore a range of coverage options – because any amount of coverage can make a difference.
- We’ll explain the differences between term and whole life insurance. Working within your budget we’ll help you make a good choice that could provide for your family’s needs.
- 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.
Endorsed by credit unions, trusted by members.
Endorsed by your credit union and trusted by more than 15 million members, TruStage helps provide insurance peace of mind for credit union families like yours. For more information about our history and how we help protect members like you, check out our story.Our Story
- 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.
- 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?
- 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.