TruStage Life Insurance Review [2021]

Our TruStage life insurance review covers the company and its life insurance products, rates, industry ratings, contact information, and more. TruStage has a 4.8/5 star customer rating on Trustpilot. However, you may be able to find a company with lower rates. Read more below to find out if TruStage life insurance is the right choice for you.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • TruStage offers life insurance policies that are underwritten by CMFG Life Insurance Company or CUNA Mutual Group.
  • The company sells several types of life insurance product. Coverage options include term life, whole life, and guaranteed acceptance whole life insurance.
  • The website is very transparent about prices, but they may be higher than other insurance companies.

If you’re considering TruStage for life insurance to protect your family, our TruStage life insurance review is here to help you decide if it’s the right company for you.

We’ll discuss the company, its life insurance products, rates, industry ratings, contact information, and provide answers to the questions you have about TruStage insurance. Our guide will help you become familiar with the life insurance terms you’ll need to pick out the best policy for you.

Before you continue reading, enter your ZIP code above to compare life insurance quotes from companies in your area.

Who is TruStage?

The TruStage life insurance company provides insurance policies underwritten by their parent company, CMFG or the CUNA Mutual Group.

TruStage partners with credit unions around the United States to offer insurance products to its members.

The company aims to provide support to each family that they serve in order to give them better control of their finances. Their website puts quite a bit of emphasis on keeping their data and personal information safe and private.

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What TruStage insurance products are there?

TruStage offers several types of life insurance coverage, including term life insurance, whole life insurance, and guaranteed acceptance whole life insurance. Let’s review each of the plans and how they can provide you with peace of mind and a financial safety net.

TruStage Term Life Insurance

TruStage term life insurance policies range from $10,000 to $100,000. There is generally no medical exam required. You may also have the option of converting the term policy to permanent life insurance if you do so within a certain period of time.

A term life policy offers coverage from the age of 25 until the age of 80. However, the cost of your premium payments will increase every five years once you enter a new age bracket (20, 25, 30, 35, etc.).

The main benefit of this TruStage insurance product is that it offers an instant decision on your approval, so you and your family don’t have to spend any more time without the protection you need to ensure your financial stability whenever your time may come.

TruStage Whole Life Insurance

TruStage whole life insurance coverage ranges from $1,000 to $100,000. While you may be asked a few medical questions, there is typically no medical exam required. These types of insurance policies offer permanent coverage, which is one of the main benefits of whole life insurance when compared to term insurance.

Premiums will never increase with this policy type, and there is no cut-off age for coverage, which is a significant difference from the other plans offered by TruStage. As long as your premiums are paid, your coverage won’t be canceled.

TruStage Guaranteed Acceptance Whole Life Insurance

TruStage guaranteed acceptance whole life insurance coverage is available for individuals age 45 to 80. Coverage amounts range from $2,000 to $20,000. You will not be asked any health questions, you don’t have to disclose your medical history, and there are no exams or intrusive tests to worry about.

Your premiums will never increase, but if you die within the first two years of your policy, your death benefit will not be paid out.

How much is TruStage life insurance?

TruStage life insurance rates can easily be found on the company’s website (transparency is always a great thing!). Let’s start by taking a look at some average monthly life insurance rates.

Average Monthly Life Insurance Rates by Age
AgeAverage Monthly Rates for a Male, $100,000 PolicyAverage Monthly Rates for a Female, $100,000 PolicyAverage Monthly Rates for a Male, $250,000 PolicyAverage Monthly Rates for a Female, $250,000 PolicyAverage Monthly Rates for a Male, $500,000 PolicyAverage Monthly Rates for a Female, $500,000 Policy
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$78.98$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51
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Now, we’ll see the TruStage term life insurance monthly premiums for females by age group.

TruStage Term Life Insurance Average Monthly Rates for Female by Age
Coverage AmountAge 25-29 Female Average Monthly RatesAge 30-34 Female Average Monthly Rates35-39 Female Average Monthly Rates40-44 Female Average Monthly Rates45-49 Female Average Monthly Rates50-54 Female Average Monthly Rates55-59 Female Average Monthly Rates60-64 Female Average Monthly Rates65-69 Female Average Monthly Rates
$10,000$4.80$5.50$6.10$6.70$8.10$10.00$14.00$19.50$27.80
$20,000$7.10$8.50$9.70$10.90$13.70$17.50$25.50$36.50$53.10
$30,000$9.40$11.50$13.30$15.10$19.30$25.00$37.00----
$40,000$11.70$14.50$16.90$19.30$24.90$32.50$48.50----
$50,000$14.00$17.50$20.50$23.50$30.50$40.00$60.00----
$60,000$16.30$20.50$24.10$27.70$36.10--------
$70,000$18.60$23.50$27.70$31.90$41.70--------
$80,000$20.90$26.50$31.30$36.10$47.30--------
$90,000$23.30$29.50$34.90$23.30$29.50--------
$100,000$25.50$32.50$38.50$44.50$58.50--------
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And the TruStage term life insurance monthly premiums for males by age group.

TruStage Term Life Insurance Average Monthly Rates for Male by Age
Coverage Amount25-29 Male Average Monthly Rates30-34 Male Average Monthly Rates35-39 Male Average Monthly Rates40-44 Male Average Monthly Rates45-49 Male Average Monthly Rates50-54 Male Average Monthly Rates55-59 Male Average Monthly Rates60-64 Male Average Monthly Rates65-69 Male Average Monthly Rates
$10,000$6.50$6.50$6.90$8.80$10.90$13.70$19.30$28.80$42.70
$20,000$10.50$10.50$11.30$15.10$19.30$24.90$36.10$55.10$82.90
$30,000$14.50$14.50$15.70$21.40$27.70$36.10$52.90----
$40,000$18.50$18.50$20.10$27.70$26.10$47.30$69.70----
$50,000$22.50$22.50$24.50$34.00$44.50$58.50$86.50----
$60,000$26.50$26.50$28.90$40.30$52.90--------
$70,000$30.50$30.50$33.30$46.60$61.30--------
$80,000$34.50$34.50$37.70$52.90$69.70--------
$90,000$38.50$38.50$42.10$59.20$78.10--------
$100,000$42.50$42.50$46.50$65.50$86.50--------
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The monthly premiums for TruStage’s whole life and guaranteed acceptance whole life insurance will vary based on your age, location, gender, and coverage amount. Therefore, the prices aren’t listed on the website.

However, since it’s so easy to get a quote, we entered information for a 45-year-old male living in Wisconsin to give you an idea of their rates.

Here are the quoted monthly premiums for TruStage whole life insurance.

TruStage Whole Life Insurance Monthly Rates for 45-Year-Old Male from WI
Coverage AmountAverage Whole Life Insurance Monthly Rates for 45-Year-Old Male from WI
$5,000$11.40
$10,000$20.80
$15,000$30.20
$20,000$39.60
$25,000$44.25
$30,000$52.70
$35,000$61.15
$40,000$69.60
$45,000$78.05
$50,000$77.00
$60,000$92.00
$70,000$107.00
$80,000$122.00
$90,000$137.00
$100,000$152.00
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Lastly, here are the quoted monthly premiums for TruStage guaranteed acceptance whole life insurance.

TruStage Guaranteed Acceptance Whole Life Insurance Monthly Premiums for 45-Year-Old Male from WI
Coverage AmountAverage Guaranteed Acceptance Whole Life Insurance Monthly Rates for 45-Year-Old Male from WI
$2,000$11.60
$4,000$21.40
$6,000$31.20
$8,000$40.80
$10,000$50.00
$12,000$60.00
$14,000$70.00
$16,000$79.20
$18,000$89.10
$20,000$99.00
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In terms of price, TruStage is average to above average compared to their competitors. Their instant approval products especially are more expensive than what other life insurance companies have to offer.

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What industry ratings has TruStage received?

TruStage is not accredited by the BBB, but it does have an A+ rating and only one customer complaint. CUNA Mutual Group (TruStage’s parent company) is also not accredited by the BBB. They have an A- rating and have four customer complaints listed on the BBB website.

TruStage has not been rated by A.M. Best, an organization that rates insurance companies based on their financial standing. A good rating would mean the company may be better able to pay claims.

The lack of ratings from any independent rating service is because CMFG Life Insurance Company is the company that underwrites TruStage’s life insurance policies. Its rating from A.M. Best is an A, meaning they will most likely be able to pay claims.

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Are TruStage customers happy?

TruStage life insurance reviews give the company a 4.8/5-star rating on Trustpilot. Many customers seem to be happy with the customer service they receive and the ease-of-use of their online services.

However, the few bad reviews highlight the cost of insurance from this provider is higher than the cost of insurance from other companies. There were also a couple of reviews that discuss not being able to get a whole copy of their policy mailed to them.

Overall, customers like the company, but if you are looking for more budget-friendly life insurance coverage, you may need to look elsewhere.

How can I get a quote or file a claim?

Getting a TruStage life insurance rate quote is a simple process. All you have to do is visit its website (www.trustage.com) and enter your ZIP code, date of birth, and gender.

They don’t require any contact information and don’t force you to subscribe to emails or get on the phone with an agent. You’ll get your quoted premiums as soon as you hit submit.

To file a claim, you may call TruStage at (800) 779-5433, email them at [email protected], or send a letter to CMFG Life Insurance Company, 2000 Heritage Way, Waverly, IA 50677.

You will need to provide the insured’s name, dates of birth and death, and policy number as well as the beneficiary’s address. If the policy has been in effect for less than two years, you may have to answer some questions or provide additional information for the death benefit to be paid.

How can I contact TruStage?

The TruStage customer service phone number is (855) 259-8840.

You can send mail regarding life insurance to CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677.

Life insurance payments can be sent to CMFG Life Insurance Company, PO Box 4650, Carol Stream, IL 60197.

The TruStage website is www.trustage.com.

TruStage offers life insurance policies underwritten by CMFG Life Insurance Company or CUNA Mutual Group. They have term life, whole life, and guaranteed acceptance whole life insurance.

The company’s website is very transparent about pricing, and it is easy to get a quote. While most customers seem happy with the customer service and their life insurance coverage, you may be able to find cheaper rates with another company.

If you need help finding affordable life insurance, be sure to use our free quote comparison tool below by entering your ZIP code.

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