TruStage Life Insurance Review For 2022

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If you’re looking for life insurance, it’s important to do your research and compare policies so your family receives a death benefit.

Here at, we offer reviews of the top life insurance providers so that you can make an informed decision about which company is best for you.

Just to be clear, we do not offer TruStage life insurance as it does not meet our vetting criteria.

TruStage Life Insurance is an online life insurance company that makes it easy to get started without having to take a written exam or providing more than a few health questions.

In this article, we’ll be reviewing the pros and cons of TruStage insurance. We will take a look at TruStage life guaranteed issue life insurance, TruStage whole life insurance, and TruStage life term life insurance policies.

The price of their policies is higher than those from other life insurance companies but they do give you more convenience since there are no exams and questions depending on the life insurance products.

Keep reading to learn more!

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Is TruStage a Real Company

TruStage life insurance agency is the consumer-facing brand of CMFG Life Insurance Company, a wholly-owned subsidiary of CUNA Mutual Group. In fact, Trustage is not an insurance company, but an agency.

TruStage Life Insurance Review

Trustage Life Insurance Rating

AM Best, BBB Ratings

  • “A” Excellent rating with AM Best
  • NOT Accredited with the BBB, has a Customer Review Rating of 2.33/5 which is really bad!
  • Customer Complaint Index of .862, most reputable insurance agency score close to .0000

With a BBB Customer Review Rating of 2.33/5, I would look elsewhere for coverage.

What Products Does TruStage Offer

Trustage’s products are tailored to meet the needs of individuals aged 18 to 85. In fact, the company has three different types of policies that can be purchased, each with its own unique features and benefits:

  • The Guaranteed Acceptance Whole Life Insurance allows you to apply without undergoing any medical exams, and it will be accepted regardless if your application is denied elsewhere.
  • The Simplified Issue Whole Life also offers lifetime coverage at a fixed cost
  • Lastly, there’s an Increasing Premium Term which provides continuous protection until auto-renewals occur after each anniversary date has passed

What You Need To Know About TruStage Guaranteed Acceptance Whole Life Insurance Review

TruStage’s guaranteed acceptance coverage is a straightforward whole life policy with no health questions. It doesn’t matter what your situation, you can never be denied!

With the TruStage guaranteed acceptance whole life policy, your premiums are refunded if death occurs due to illness during the waiting period. However, for accidents, it pays on day one. You will only receive 10% interest on top of that but it’s enough time before having this coverage!

Highlights, Policy Features, and does this policy have VALUE!

This policy has the typical features of its competitors. For example:

  • Available from age 45 to age 80
  • Coverage is available from a minimum of $2,000 to a maximum of $20,000
  • Premiums will NEVER increase; Coverage will NEVER decrease
  • True lifetime policy so it will not expire, EVER!
  • No medical exam
  • Zero health questions
  • Cash value accumulation
  • 2-year waiting period, ROP on death due to illness, accidental deaths pays day one

Is this policy a good value?

TruStage Guaranteed Acceptance Life Insurance is not worth it. For one thing, most people who need life insurance can get approved by companies that have health questions and still pay less for their policies than those on guaranteed acceptance plans.

It’s also important to note how few individuals actually qualify as needing this type of coverage – only about 1 out 10 applicants do!

How about other TruStage Whole Life Insurance Reviews

TruStage whole life insurance is not an ordinary product. It requires you to qualify medically and provides information about your past health history before they’ll cover anything, but it’s worth the effort!

The process starts by asking some basic questions like “Have I ever had major surgery?” or,” What medications am I taking now?”. This gives them insight into possible complications from certain conditions that may arise in the future if left untreated- something everyone wants protection against right? Once approved for coverage (no waiting period!)you’re fully protected.

Policy Features For TruStage Whole Life

  • Whole Life Policy with ZERO waiting period once approved
  • Premiums will NEVER increase; Coverage will NEVER decrease
  • True lifetime policy so it will not expire, EVER!
  • Cash value accumulation
  • Available from age 18 to age 85

However, your current age will determine how much coverage you will be able to get.

  • For age 18-70; Coverage range will be $5,000-$100,000
  • Ages 71-75; Coverage range will be $5,000-$50,000
  • Ages 76-85; Coverage range will be $5,000-$25,000

How is the VALUE of TruStage Whole Life

First, they do offer a lot of burial insurance coverage. So if you want higher amounts or just need to purchase it at all then Trustage Insurance is an option worth exploring for yourself! From a pricing perspective – think lower whole life final expense premiums from elsewhere in this industry- there’s no doubt that other companies will give better deals than what we found here.

How are TruStage Term Life Insurance Reviews

TruStage Term Life Insurance is the perfect policy for people who want to be covered no matter what happens in their lives. The rate will increase every five years, but on your 80th birthday this coverage completely expires- so make sure you get it before then!

TruStage Term Life Features and Value

It is important to understand the features if you are entertaining buying a term life through TruStage. This product is much like Globe Life’s term.

  • Minimum coverage $5,000; Maximum Coverage $300,000
  • Age of availability: 18-69
  • The policy WILL terminate at age 80
  • The price WILL increase every 5 years
  • No medical exam is required, however, you will answer basic health questions
  • If approved, coverage is immediate

TruStage Term Life Insurance Rates and Value

Tru stage life insurance is a great option if you need quick coverage. It’s competitively priced and doesn’t require an exam, but there are some exclusions that may apply so make sure to read the fine print before buying!

If you’re shopping for term life insurance, Tru Stage has a product that will suit your needs. However, if more than $300K is required coverage and need it soon because of an upcoming event or decision then be sure to look elsewhere like American Amicable Term Made Simple product.

Life insurance for seniors can be a costly and complicated affair. term life plans are usually not the best option because there is always an increased risk that you will outlive your coverage period, which means no money to pay final expenses should something happen later down the line!


While the TruStage insurance policy is a good option for some, there are better life insurance policies available on the market. If you are interested in finding a policy that offers more coverage at a lower cost, we suggest getting a quote from us. We can help you find the best policy for your needs and budget, so don’t hesitate to contact us today.