Trinity Life Insurance Company: Review and Evaluation for 2025
Written by Daniel Ray, Life Insurance Expert | ✅ Fact Checked by 
Lisamarie Monaco | Editorial Disclosure Selecting a reliable life insurance provider is crucial for securing your financial future.
Trinity Life Insurance Company offers a range of policies tailored to diverse needs.
This article provides an in-depth review of Trinity Life Insurance, examining its offerings, customer feedback, and overall performance to determine its suitability for your insurance requirements.
Who Is Trinity Life Insurance Company
Trinity Life Insurance offers quality and affordable life insurance to help you prepare for the financial impact that may come from your loved one’s death before it happens.
We understand how difficult this topic can be, so we work hard to make our process straightforward with no surprises.
We provide peace of mind by having personal conversations with our clients about what matters most in their lives and how to protect those closest to them.
According to the Better Business Bureau, Trinity Life offers solid customer service, as evidenced by its A+ rating. They are also one of the few carriers that offer final expense insurance over the age of 80.
Currently, they are working on expanding into additional states and increasing our product line as we continue to look for suitable blocks of life insurance business or life insurance companies to acquire.
Trinity Life and its subsidiary Family Benefit Life offer annuity and life insurance products to the citizens of
Trinity Life Insurance/Family Benefit Life State Availability
| States | States |
|---|---|
| Alabama | Arizona |
| Arkansas | Colorado |
| Georgia | Illinois |
| Indiana | Kansas |
| Kentucky | Louisiana |
| Mississippi | Missouri |
| Montana | Nebraska |
| New Mexico | North Carolina |
| North Dakota | Ohio |
| Oklahoma | Pennsylvania |
| South Dakota | Tennessee |
| Texas | Utah |
| Virginia | West Virginia |
*Ballpark Quote
First Trinity Financial Corporation
First Trinity Financial Corporation created to fund its subsidiaries, Trinity Life Insurance Company and Family Benefit Life insurance company as an insurance holding company.
The top business leaders across several regions in the states are amongst those owning this organization today!
This company is a client favorite like Mutual of Omaha, American Amicable, and Foresters Financial.
Trinity Life Whole Life Products
The financial security of your family depends on you. You need to make sure that they are well-taken care of financially so there are no worries about them having an empty wallet in the future!
First Whole Life
The Earlier You Start, The Better
To give your family the security of knowing they will be taken care of financially after you die, START EARLY!
An early start can help reduce costs for children and grandchildren who need stable life insurance coverage with dependable cash values – unlike term life plans that only protect against death!
Family Protection
Trinity Life Insurance Company understands the responsibilities that come with caring for family and protecting those we love.
With a variety of policies, including whole life insurance plans designed especially for families like yours—you can feel confident knowing our company will always have your back no matter what happens in life!
Retirement Planning
The First Whole Life insurance policy from Trinity Life allows you the opportunity to build up a cash value that can supplement your retirement funds.
Your guaranteed values are there for when annuitization becomes necessary, so don’t worry about being without income in old age!
Leave a Legacy
First Whole Life protects your estate for the people who matter most in a unique and innovative way – ensuring they’re taken care of in times when it counts.
*Ballpark Quote
Golden Eagle Final Expense
We all want to live in a world where we can provide for our families and have peace of mind.
That’s why the Golden Eagle Final Expense Plan from Trinity Life Insurance Company offers you security when it matters most – ensuring that there will always be cash on hand, no matter what life throws at us!
When a loved one passes away, many families are faced with unexpected expenses that they never expected. Final Expenses can run high due to the costs of funeral services and other final arrangements;
- Legal Fees may be incurred because estate planning was not done before death or there is an outstanding legal matter concerning their family’s heritage which must now get resolved post-maturely (and often without help from lawyers);
- Unpaid Bills arise after someone who has been paying on behalf of another person cannot anymore do so–this includes mortgages for houses left behind by deceased seniors…
This product has Level and Graded death benefit life insurance, but no modified plan.
Trinity Life Golden Eagle Rates By Age
Here is what you are really wanting to know. How much are you going to spend on Trinity Life and Family Benefit Life Insurance coverage?
You can get coverage as early as 50, and as later on in life as age 80. These are level plans that are immediate. Coverage amounts range from $2,000 to $25,000.
Below will be accurate rates in 5-year age increments. At any time you can compare quotes by clicking anywhere on this page.
Trinity Life/Family Benefit Life Burial Insurance Male Rates
| Age Applying | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $14.96/mo | $27.35/mo | $39.73/mo |
| 55 | $17.68/mo | $32.77/mo | $47.87/mo |
| 60 | $22.16/mo | $41.74/mo | $61.31/mo |
| 65 | $28.17/mo | $53.75/mo | $79.34/mo |
| 70 | $35.90/mo | $69.23/mo | $102.55/mo |
| 75 | $49.58/mo | $96.58/mo | $143.58/mo |
| 80 | $74.18/mo | $145.79/mo | $217.39/mo |
| 85 | $97.54/mo | $192.49/mo | $287.45/mo |
Trinity Life/Family Benefit Life Burial Insurance Female Rates
| Age Applying | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.18/mo | $21.78/mo | $31.37/mo |
| 55 | $14.42/mo | $26.26/mo | $38.09/mo |
| 60 | $17.59/mo | $32.60/mo | $47.61/mo |
| 65 | $21.93/mo | $41.28/mo | $60.63/mo |
| 70 | $27.30/mo | $52.03/mo | $76.76/mo |
| 75 | $37.11/mo | $71.64/mo | $106.17/mo |
| 80 | $53.71/mo | $104.83/mo | $155.96/mo |
| 85 | $78.90/mo | $155.23/mo | $231.55/mo |
*Ballpark Quote
What Does Trinity Life Final Expense Cover
Below are the top ten health impairments from age 50-85 and how Trinity Life will rate these conditions.
Trinity Life Health Impairment Ratings age 50-85
| Health Impairment | Rating Class |
|---|---|
| Arthritis | Level |
| Heart disease | Level |
| Cancer | If treated within 2 years, Decline |
| High blood pressure | Level |
| Osteoporosis | Level |
| Diabetes | If “Insulin use?” answered “Yes” , Level. If diagnosed prior to age 39, Decline |
| COPD | Graded |
| Depression | Level |
| Stroke | If treated within 1 year, Decline. If treated between 1 and 2 years ago, Graded |
| Alzheimer’s / Dementia | Decline |
Features Of Trinity Life Golden Eagle Final Expense
Trinity Benefit Life Insurance Company offers a simplified issue whole life plan for those who want more peace of mind and protection. Golden Eagle protects your family in case anything happens to them!
Trinity Life Golden Eagle Product Details
| Product Details | Features |
|---|---|
| Age of Issue | 50-85 Years of age |
| Coverage amount | $2,500-$25,000 |
| Level premiums | Premiums will never increase |
| Level benefit | Death benefit NEVER decrease |
| 100% accelerated living benefit | Benefits may be accelerated due to terminal illness |
| Cash Value | Accumulate cash value over time |
Will my premiums go up?
Your premiums are guaranteed for life and do not increase regardless of your age or health.
With our Guaranteed Level Premiums, you can retire with a steady income knowing that the same levels will be there each month no matter what!
Will my coverage decrease?
Your face amount will never decrease regardless of your age or health. At death, 100% of the guaranteed Death Benefit is paid to you (less any loans).
The policy can never be canceled as long as scheduled premium payments are made.
We know that not all applicants will have the same needs and budgets, but we are here to help you decide on a policy amount that is affordable for your family.
If everything goes smoothly with our application process then a $2-$25K death benefit range becomes available.
What if I have health issues?
If you have insurance and you get a terminal illness, you might get money from the insurance company. But you have to be really sick. The law says you have to be sick for 12 months or less.
The death benefit period for nursing home confinement is an accelerated living benefit if the policyholder is confined continuously to a qualified facility.
Are payments flexible?
The most convenient way to pay your premiums is with one easy payment from a variety of options.
You decide whether it’s annual, semi-annual, or quarterly payments that are made automatically every month based on what type you chose at sign-up!
Get quotes today and apply for life insurance. Our insurance agent will help you throughout the entire process.
Trinity Life Qualification Questions
Below are the actual health questions on the application. Keep in mind, a yes answer to these does not mean you will be denied.
Its always best to answer ALL questions truthfully and honestly, to the best of your knowledge.
Trinity Life/Family Benefit Life Application Questions
Application Questions To Qualify
- Proposed Insured’s Height Weight: In the Past year any gain or loss lbs.
- Have you used tobacco, nicotine products, marijuana, electronic cigarette, or vaping pen/device in any form in the past 12 months?
- Have you ever received or been given medical advice by a medical professional that you need to receive an organ or tissue transplant?
- Have you ever been diagnosed or treated by a medical professional as having: AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex), or HIV (Human Immunodeficiency Virus) virus?
- Have you ever been diagnosed by a medical professional with a terminal illness, end stage disease, congestive heart failure, or cardiomyopathy?
- Have you ever been diagnosed by a medical professional for or taken medication for: dementia, Alzheimer’s disease, mental incapacity, Down Syndrome, Huntington’s disease, Lou Gehrig’s disease (ALS), cystic fibrosis, cerebral palsy, muscular dystrophy, or sickle cell anemia?
- Are you currently, or within the past 6 months have you been: hospitalized, bedridden, used oxygen to assist in breathing, confined to a wheelchair, nursing home, hospice, received home health care, or been on dialysis?
- Within the past 12 months have you been diagnosed by a medical professional for, or been hospitalized for: heart attack, stroke, transient ischemic attack (TIA), angina, aneurysm, or had cardiac or circulatory surgery of any kind (pacemaker, heart valve replaced, bypass, angioplasty, stent implant) to improve circulation to the heart or brain?
- Within the past 12 months have you been: hospitalized two or more times, or been advised by a medical professional to have surgery, hospital confinement, or nursing facility confinement and have not done so?
- Within the past 24 months have you been diagnosed or treated by a medical professional for, or taken medication for: internal cancer, leukemia, or melanoma?
- During the past 24 months have you been: advised by a medical professional to have any diagnostic testing recommended, except for an HIV test, which has not been completed, or for which the results have not yet been received, or had or been advised to have treatment or counseling for alcohol or drug abuse?
- During the past 24 months have you been treated by a medical professional for: insulin shock, diabetic coma, amputation caused by disease, or have you ever taken insulin shots prior to age 40?
- During the past 24 months have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for: heart attack, stroke, transient ischemic attack (TIA), angina, aneurysm, or had cardiac or circulatory surgery of any kind (pacemaker, heart valve replaced, bypass, angioplasty, stent implant) to improve circulation to the heart or brain?
- Have you ever been diagnosed as having: multiple sclerosis, epilepsy, schizophrenia, Parkinson’s, chronic kidney disease or failure, systemic lupus, hepatitis B or C, cirrhosis of the liver, liver disease, liver failure, or lung impairments (including chronic obstructive pulmonary disease (COPD), chronic asthma, chronic bronchitis, emphysema, or fibrosis)?
- Have you ever been diagnosed with diabetes and also been diagnosed with, or been advised by a member of the medical profession to receive treatment for: nephropathy (kidney), neuropathy (nerve), or retinopathy (eye)?
*Ballpark Quote
Trinity Life Insurance Company Contact Information
Trinity Insurance Phone Number: Toll-Free 866-211-0811
Address: 7633 East 63rd Pl. Suite 230. Tulsa, OK, 74133
Carriers To Avoid
Although looking for the right burial insurance you need to make sure you are aware of gimmicks out there. Open Care is one of them. Another is Trustage, be careful of these carriers and read the fine print!!
Burial Insurance Carriers To Avoid
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Conclusion
Thank you for reading our 2023 review of Trinity Life Insurance Company. We hope that this has been helpful and given you a good overview of what to expect from them.
InsuranceForBurial.com has a team of experienced insurance agents passionate about finding the best life burial insurance policy for you, no matter your health or current condition.
We have a lot of experience in this field. We promise to do our best to help you.
Our founder has over 29 years of experience helping clients with insurance needs at our company. We are licensed in all 50 states and only represent top-rated A/A+ insurance companies.
We can help you find the best insurance coverage from the best companies, even if you have other health problems.
If you are looking for life insurance, we would be happy to provide you with a free quote.
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