TruStage Life Insurance – Pros & Cons – Frequently Asked Questions



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People sitting around table outside celebrating life and a birthday. Banner across picture says TruStage Life Insurance Review

In this TruStage Life Insurance Review you will find out how much TruStage costs, the types of policies they offer, pros and cons, and more.

Quick Verdict:  If you're in a hurry, here's the gist.  TruStage is convenient and is a solid company, but is a lot more expensive compared to other online life insurance providers, limits coverage to $100,000, and only offers 5-year terms.

Who is TruStage Insurance?

TruStage Insurance offers a simple online platform that gets people quality non-medical life insurance coverage faster than ever before.  

TruStage policies are issued by CMFG Life Insurance Company.  CMFG Life is rated “A” Excellent by A.M. Best and has been in business for 80 years.

TruStage Term and Whole Life Insurance Review

*** Note that TruStage Life only sells CMFG Life.  Review & compare life insurance quotes from all of the other top companies on this website.***

Take the time to read the fine print.  Restrictions and limitations apply.  It is important to know what you are getting into.  We are here to help you make an informed decision.

WHAT DOES TRUSTAGE INSURANCE OFFER?

TRUSTAGE TERM LIFE INSURANCE IS FOR THE INSURTECH GENERATION – SIMPLE & AFFORDABLE, IF  YOU ARE YOUNG & HEALTHY.

Here are the types of insurance they offer:

TRUSTAGE TERM LIFE INSURANCE – PROS & CONS

Pros

  • No medical exam required
  • Policies as low as $10,000
  • Easy online application.
  • Instant approval
  • Can convert to permanent whole life insurance coverage

Cons

  • Policies will expire at age 80 or before.
  • Premiums increase every 5 years to age 75
  • Cannot purchase a policy greater than $100,000
  • No available life insurance riders
  • TruStage term life insurance policies are more expensive compared to other companies

CAUTION!  $100k Limit

In our 20+ years of experience as agents, we find most people need a lot more than $100,000 of coverage. But TruStage can't help you there!  Their plans are limited to a maximum of $100k.  

We recommend Ladder Life for 10 to 30 year term quotes.  Coverage goes up to $8 million.  (Click for quotes)

TRUSTAGE TERM LIFE INSURANCE SAmple Quotes

Check out these sample quotes for $25,000 for ages 30 to 50.

TruStage Term Life Insurance Sample Monthly Quotes

Coverage

Age 30

Age 40

Age 50

$25,000

Male - $12.50

Female - $13.00

Male - $30.50

Click How Much Does Term Life Insurance By TruStage Cost? and get more sample quotes and policy information for TruStage term life insurance.

TRUSTAGE WHOLE LIFE INSURANCE – PROS & CONS

Pros

  • Easy to apply
  • Policies start at $1,000
  • Available up to age 80
  • Few health questions and no medical exam required
  • Permanent insurance - premiums never increase

Cons

  • Expensive prices
  • Can not purchase a policy greater than $100,000
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TRUSTAGE Whole LIFE INSURANCE SAMPLE QUOTES

Check out these sample whole life quotes for $50,000 up to age 50.

TruStage Whole Life Insurance Sample Monthly Quotes

Coverage

Age 30

Age 40

Age 50

$50,000

Female - $35.50

Male - $62.00

Female - $85.00

Click How Much Does Whole Life Insurance By TruStage Cost? and get more sample quotes and policy information for TruStage whole life insurance.



Pre-existing health conditions? 

Don't worry.  AIG Direct specializes in insuring people just like you.  From high blood pressure to diabetes, AIG Direct has seen it all and has the absolute lowest rates.  Click below to see if you qualify.

Quotes are quick, easy, and free! 




Check Life Insurance Off Your To-Do List 

Our top 10 picks for quick, convenient life insurance coverage.  Our favorites are the "no-exam plans" with great rates up to age 60.

Quotes are quick, easy, and free! 


TRUSTAGE GUARANTEED ACCEPTANCE WHOLE LIFE INSURANCE – PROS & CONS

Pros

  • Policies start at $2,000
  • Acceptance guaranteed –  You cannot be turned down for coverage regardless of health
  • Available up to age 80
  • No health questions or medical exam required
  • Premiums never increase

Cons

  • Can not purchase a policy greater than $20,000
  • No coverage if you die in first 2 years.
  • TruStage guaranteed acceptance whole life is expensive compared to other companies

LIFE INSURANCE MADE EASY

Select Your State for an Instant Quote

TRUSTAGE Guaranteed issue whole LIFE INSURANCE SAMPLE QUOTES

Check out these sample quotes for TruStage Guaranteed Issue Whole Life Insurance.

TruStage Guaranteed Issue Whole Life Insurance Sample Monthly Quotes

Coverage

Age 50

Age 60

Age 70

$10,000

Male - $55.00

Female - $55.00

Male - $122.00

Click How Much Does Guaranteed Issue Whole Life Insurance By TruStage Cost? and get sample quotes and more policy information for TruStage whole life insurance.

Get a Quote from Our Best Priced Company

FREQUENTLY ASKED QUESTIONS ABOUT TRUSTAGE

  1. Are TruStage rates competitive? – No.  TruStage term life, whole life, and guaranteed acceptance whole life rates are average compared it’s competitors.  There are better deals if you shop around.
  2. Will I need a medical exam or lab appointment?  It’s possible.  Every customer is underwritten on an individual basis making it difficult to predict whether you will need to have a medical exam. That said, in most cases, applicants don’t need to get a medical exam. If you do, it can be done conveniently at no expense to you.
  3. Can I still get coverage even if I’ve has some health problems?  Possible.  Every customer is underwritten individually and receives a price based on many factors – (medical history, current health, age, and gender).  It is possible to be denied coverage due to health issues.
  4. Will applying to TruStage hurt my credit score? – No. Insurers look at the data behind your credit score – timeliness of payments or if you’ve filed for bankruptcy – but not your credit score itself.  The request for this data is only a soft credit inquiry and doesn’t impact your credit.
  5. Does TruStage have good customer service? – YES.  Their website portal is very efficient in handling the life insurance application / underwriting process.
  6. Does TruStage offer any other types of insurance coverage?  YES.  TruStage also offers AD&D, auto, property, and health insurance.
  7. Do I have to be a member of a credit union to purchase? NO.  TruStage products are now available to everyone.
  8. Are there any customer complaints about TruStage? – YES & NO.  If you fit their profile and get approved for the coverage,  it will be an easy buying experience.  You will be happy and have no complaints.  If you are rejected, you will not be happy.  This in turn will generate complaints.
  9. Is the TruStage platform good, safe and reliable to use when buying life insurance? – YES  – The TruStage platform is safe and secure.
  10.  What happens when I turn 80 years old?  If you own TruStage term life insurance, the policy will expire.  If you own TruStage whole life or guaranteed acceptance whole life, your policy will remain inforce, with no premium increase,  as long as you continue to pay your premiums.
  11.  What is life expectancy? Life expectancy is the statistical expectation of how long someone will live at birth based on a number of factors such as socioeconomics, demographic, geographic, thermographic, stenographic, idiographic, and historiographics.

BE SMART AND SAVE $$$

MAKE SURE YOU SHOP AROUND AND COMPARE!



Skip the Needles!

Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

Quotes are quick, easy, and free! 


Trustage Life Insurance Alternatives

Many of the following companies have better products and cheaper prices versus TruStage Life Insurance.  Some even offer no medical exam policies.

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Bestow Insurance offers term life insurance for people between the ages of 18 and 60, and in generally good health.  You can get coverage online in about 10 minutes starting at $10 a month.

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Ladder Life Insurance Review

Ladder has developed an online platform that allows you to apply for life insurance and possibly get instant approval.  They have teamed up with Fidelity Security Life in 49 states and in New York with Allianz Life Insurance Company of New York.

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For more company information, please visit our Life Insurance Company Reviews Page.   If you’re searching for life insurance by term length or dollar amount, please visit this page


Written by:  Chris Lalor

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  1. Need you to send me the papers of my life insurance , to change benefactor .
    Please try to send them as soon as possible .
    Thank You

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