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TruStage Review

Reviews 7,479
Trustage-QS
Excellent
Reviews 7,479
Visit Site
Sarah Pritzker
May. 19, 2021
2 min read
Sarah Pritzker
Trustage-QS Summary
With roots in the Credit Union movement, TruStage is a member of the CUNA mutual insurance group and is committed to helping all families access affordable life insurance. TruStage offers a range of life insurance products from the CMFG Life Insurance Company to credit union members with the guarantee that no one between the ages of 45 and 80 will be turned down for any reason at all.

Pros

  • No medical exam required
  • Guaranteed acceptance for anyone aged 45 to 80

Cons

  • Only available to credit union members
  • Full benefits only paid out in first 2 years of policy membership

Trustage-QS at a glance

9.2
Editorial score

Coverage type

Offers both term and whole life insurance with no medical exams required.
10.0

Customization of policies

Customizable rates and deductibles, some upgrades and downgrades available
8.0

Customer services and support

Multiple communication options, ability to speak to an agent
8.0

Online experience

Online fast application, learning resources, access to rates before application
10.0

Direct insurer?

Yes, direct insurer
10.0

Who Can Benefit From TruStage?

TruStage life insurance is ideal for families that are members of a credit union. It’s suitable for credit union members who don’t yet have life insurance and may have been putting off arranging it, either out of fear that they won’t qualify for insurance or out of nervousness about going through the process.

Features

TruStage doesn't require you to have a medical exam in order to buy any of its life insurance products, although you do need to share medical and prescription records. Its Guaranteed Whole Life Insurance policy means that no one needs to worry about dying without insurance, no matter your state of health, although it's important to know that you'll only get a limited amount of benefits if death occurs as a result of suicide within 2 years of purchase.

  • Medical exam isn’t required in order to get coverage
  • Guaranteed whole life insurance accepts anyone aged 45 to 80

Application Process

Applying for a TruStage life insurance product can begin by answering a few basic questions online, and if you live in one of the states covered by TruStage, you can complete the process online in as little as 10 minutes. TruStage still requires customers from other areas to speak to an agent over the phone or through live chat to complete the process.

You’ll be asked your zip code, age, and gender as a preliminary, but you’ll need to share more details about whether or not you smoke, your weight, pre-existing medical conditions, and family medical history. You don’t need a medical exam to apply for TruStage life insurance, although you will be asked to share your prescription records instead. If you do take a paramedical exam through TruStage and your health is good, you’ll probably be able to access lower premiums.TruStage offers to notify you about pre-approval through email or over live chat immediately, and your coverage begins as soon as you start making payments, so there’s no need to wait for your life insurance to become active.

You can apply for term life insurance from age 18 up till age 69, with coverage lasting until age 80. Application for whole life insurance is open to customers aged 18 to 85, and guaranteed whole life insurance to those aged between 45 and 80. You can buy child whole life insurance for a child from birth.

Policy Types and Terms

TruStage offers 3 types of life insurance policy:

  • Term life insurance
  • Whole life insurance
  • Guaranteed acceptance whole life insurance

Term life insurance is available for up to 55 years and to a maximum of $100,000, although you can request higher amounts of insurance over the phone. It’s renewable every year, with premiums increasing every 5 years in fixed bands from age 25 to 80. Typical premiums begin at $4.80 per month.

Whole life insurance is offered from $1,000 to $100,000 for a fixed monthly price up until age 85. TruStage promises that once you buy your policy, the price never goes up and your coverage never decreases, no matter what happens to your health along the way. 

Guaranteed Acceptance Whole Life Insurance has important differences from Whole Life Insurance. Your acceptance is guaranteed provided you are aged between 45 and 80. Guaranteed Acceptance Whole Life Insurance is available without medical exam, and you can’t be turned down because of medical conditions. Your rates also never go up as long as you pay your premiums. But if death occurs due to natural causes within the first two years, beneficiaries will only receive premiums paid with an additional 10% added. Suicide deaths within the first two years only return premiums paid until that point.

TruStage doesn’t share exactly what it requires for you to be eligible for any of its life insurance policies, but naturally, your acceptance and the amount you’ll have to pay depend on your gender, tobacco use, weight, and state of health.

  • Renewable term life insurance policies for adults from age 25 to 80

  • Whole life insurance for adults aged 18 to 85

  • Whole life insurance for children

  • Guaranteed acceptance whole life insurance for adults aged 45-80

  • Acceptance depends on your age, weight, gender, medical condition, and medical history

How Safe Is It?

TruStage has a security badge from Entrust and all of your private information is secured through SSL encryption. You can make payments online through the TruStage secure payment server. TruStage shares its security and privacy policies and is committed to safeguarding your information. You can feel certain that your details will only be shared with TruStage’s partners who need your information to underwrite your policy.

Help & Support

TruStage has a very comprehensive website that’s full of information, but some of the details you really need to know are tucked away and hard to find. TruStage does have an FAQ section although it doesn’t cover all of the questions we had. Customer support is available through email, phone, and live chat, and there's also an online web form and a fax number. Telephone support has a toll free number 1-855-591-9026 and is manned from 7am - 9pm CT, Monday to Friday and Saturdays from 8am - 4pm.

TruStage at a Glance

As long as you're a member of a credit union or someone in your family is a member, TruStage is a good address for life insurance. It offers both term and whole life insurance, and for anyone with preexisting medical conditions, it's an assured way to get life insurance. The fact that there's no obligation to have a medical exam in order to qualify is a bonus, but the guaranteed whole life insurance only pays out in full in the first 2 years, and rates overall are relatively high. If you're in good health and don't mind getting a medical exam, you might find lower premiums elsewhere.

Physical Address

CMFG Life Insurance Company

PO Box 61

Waverly, IA 

50677-0061

Sarah Pritzker
Written by
Sarah Pritzker
Sarah Pritzker is a content writer with years of experience and a keen interest in the vast world of online consumer products. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Trustage-QS
Trustage-QS
Excellent
Reviews 7,479
on
Excellent
81%
Great
15%
Average
2%
Bad
2%
C
cesar valladolid
8 days ago
My insurance policy holder representative
It's been a pleasure speaking with several representatives of my health insurance policy
consumer-image
love spencer
8 days ago
Just to know
Just reticent ly looking into the means for life insurance. Yes it is due necessary.
consumer-image
katherine hart
8 days ago
I would give them zero if I could
I would give them zero if I could. My husband died from cardiac arrest, had a pitifully small policy with them. His doctor even went on to write a letter that it was caused by a heart attack and they still denied my claim after months of back and forth. So I am left without anything as a 30-something widowed mom of three kids under 5. I guess I was supposed to have him unburied and autopsied to “prove” his cause of death despite a death certificate and a letter from the physician. This company is disgusting and a waste of time and money, do not even bother.
A
adefolape sokoya
9 days ago
it was easy to understand and very fast…
it was easy to understand and very fast to
I
irmo,sc
15 days ago
Easy and great policy
Easy and great policy
D
donnie cross
15 days ago
Great company as I've had a good…
Great company as I've had a good experience. So far so good keep up the good work until I need you guys, and then he'll I won't get to write a review lol.
E
eloisa fernando
16 days ago
Total coverage and cost
Guidance thru whole process
D
delois hudson-huff
16 days ago
N/A maybe at another time
N/A maybe at another time
C
carlcmoore
18 days ago
Honesty
Great communication very understanding very helpful and communicating with other
T
timothy
18 days ago
Easy to use site
Easy to use site
D
david tapscott
18 days ago
Leave a will so loved ones no exactly what to do
Very helpful on the phone
S
sean washington
19 days ago
Detailed information and hands on…
Detailed information and hands on approach to assist with the process
Z
zona bernier
19 days ago
Very professional and very friendly and…
Very professional and very friendly and helpful staff
E
ebony cade
19 days ago
Convenient, affordable and reliable
I have accidental death and dismemberment which is free I do not pay for it was given as a courtesy whole life and term the prices are very affordable and for my family and loved ones this was the best investment so far ! I can rest peacefully knowing after I'm no longer here they will be covered
A
ahnesti taylor
19 days ago
It’s a good plan.
Good plan so far.
C
cheryl tates
19 days ago
Satisfied Customer
I was searching for a little more coverage and it was all taken care of in just a few minutes
S
sherri denise hayes
19 days ago
Quick and simple process to get signed…
Quick and simple process to get signed up with TruStage.
T
timothy aminzadeh
19 days ago
Quick and easy via my credit union
Quick and easy via my credit union
S
sundy jackson
19 days ago
Agents take the time to explain…
Agents take the time to explain everything to you.
S
satisfied
19 days ago
Company is honest
Transparent company
D
deidre janene shatp
19 days ago
Love it
Everything is great just love it great deal. I like it good experience great prices
T
tina s.
19 days ago
Good Customer Service
The customer service was great, which is what we all look for in a company.
D
daniel vasquez
19 days ago
Trustage is easy and fast
It was very detailed and easy to understand
D
derek luat
19 days ago
Great insurance company.
Great insurance company. Great service and great plans.
C
c. brown
19 days ago
10 out of 10
Easy. Simple to apply. Affordable.
M
moses sesay
19 days ago
Awesome and satisfying
Awesome and satisfying
M
mary woodberry
19 days ago
Trusting company
Very easy application process
J
james e herrine
19 days ago
Easy application process and pricing…
Easy application process and pricing listed from the start which it made it easier to decide what to choose
K
kerry
19 days ago
Good company so far
Good company so far. It was easy to find something that fits my budget
Y
yung rozay
19 days ago
Good I enjoyed every moment of it
Good I enjoyed every moment of it
consumer-image
tamara harris
19 days ago
Just getting started
Just signed up so it’s really to early to tell but as of now the process has been easy and without complications.
A
allisha v price
5 days ago
My over all experience was great and…
My over all experience was great, my over plan was priced great and that spoke volume within itself.
L
latoya brison
19 days ago
Very good
It was great
T
tantaleia privott
19 days ago
It was a great price for my coverage True Stage is a great Insurance Company
It was a great price for my coverage
S
susan
19 days ago
Quick Application Process
Application process was quick & easy.
T
teresa whaley
19 days ago
Very easy to apply , highly recommended
Very easy to apply. Highly recommended.
D
debra lynn moore
19 days ago
I love the way the representative…
I love the way the representative handled everything what is a example of a she was very polite very patient and explained everything to me even though I asked her if she could explain it to me again.
C
cindy
19 days ago
It was easy to sign up
It was easy to sign up, payments come out each month, I don’t need to mail a check.
G
gene gutierrez
19 days ago
Easy to apply
Easy to apply
L
lenora hunter
19 days ago
Getting offered a policy for the amount…
Getting offered a policy for the amount that I currently pay.
W
william luck
19 days ago
Associate was very nice
Associate was very nice, questions were too lengthy
S
shirley jeffreys
20 days ago
The rep was very knowledgeable.
The rep was very knowledgeable.
C
catherine emmerson
21 days ago
Affordable Life Insurance
The policy was easy to understand and helpful if there were any questions. I trusted them being familiar with the credit union.
M
margaret palmer
21 days ago
I'm happy with the fast process I…
I'm happy with the fast process I received.
K
kelly lunsford
21 days ago
Bill is quarterly not monthly
Fast and easy questionaire
J
jeffery collins
21 days ago
Easy to apply for
Easy to apply for, better pricing, no increase in rate, good for life.
J
john shirley
21 days ago
The agent was very nice
The agent was very nice, thorough, and helpful.
G
grace robles
21 days ago
Real estate professional
With my busy schedule I like the way our insurance policies were handled and processed. Very smooth and easy application.
S
sheena williabee lykes
21 days ago
Completed
That’s enough
B
bradlee van winkle
21 days ago
Very easy to complete and affordable
Very easy to complete and affordable
R
roberto ruiz
21 days ago
Very helpful over the phone experience
Very easy to apply, very simple question. Very fast response.
O
otis pollard
21 days ago
Great Policy
Everything
S
sherita davis
21 days ago
Great and very helpful.. Would recommend
Great and very helpful.
D
debra griffo
21 days ago
Answer all my question was very…
Answer all my question was very friendly and patient.
consumer-image
esther shields-jones
21 days ago
insurance review
Review with Re was easy and understood. I may need to ADD more insurance. Thanks, for the easy process. Esther M Shields Jones
V
vanessa evans
21 days ago
So glad my agent had you all as an…
So glad my agent had you all as an option. Your plan fits my life perfectly. My agent along with this policy are AWESOME
A
alora danielle wininger
21 days ago
Easy to go thru and respond to.
Easy to go thru and respond to.
E
e. brand
21 days ago
Fast and easy overall process and I am…
Fast and easy overall process and I am glad my bank Service Credit Union gave me the suggestion.
J
judy dietz
21 days ago
Life insurance Worth Having!
It was easy to read and understand.
F
fran smith you
21 days ago
Very Satisfied!!
The process was straight forward and simple! The premiums are great! I only wish I could get higher coverage amounts.
P
p burkett
21 days ago
IQuick and easy.
It was easy to apply for myself and my husband. Before yo know it we were approved.
D
derrick brooks
21 days ago
SIMPLE AND EASY AND NEEDED
SIMPLE AND EASY AND NEEDED
H
hugh clancy
21 days ago
Excellent process
Excellent process
A
adrian
21 days ago
I'm very pleased talking to agent.
I'm very pleased talking to agent.
D
donna mcgill
21 days ago
It was easy to get and set up payment
It was easy to get and set up payment! The person I talk to was very professional and helpful.
R
remonica d leavell
21 days ago
The lady I had was awesome explained…
The lady I had was awesome explained everything she had best customer service I've had in a long time..
C
charnetta
21 days ago
Much needed.
This company has made it possible for someone like me to have a reasonable insurance policy without me stretching out my budget. The questions and information was easy to understand and I feel a bit more secure.
C
caroline pecson
21 days ago
Xxxx
Easy to apply, convenient.
E
emg
21 days ago
It was very quick
It was very quick, easy and painless. Was easy to get ahold of someone
c
customer
22 days ago
Good options
Easy to understand terms and easy to pay. Prices seem fair
B
brian k hayes
23 days ago
Helpful advice
Helpful advice
M
michelle mitchell
23 days ago
Personal attention
Representative made my experience easy, as well as helpful. She’s always available if have any worries or questions. Thanks so very much.
consumer-image
rick barber
25 days ago
Time will tell
Time will tell
S
sara smith
25 days ago
Super easy application
Super easy application, fast approval time, and a great deal with no medical exam necessary.
M
margo maye
25 days ago
Easy to understand and no fancy talk
This company does business in plain English. When you get your paperwork after you've applied it isn't hard to read and nothing changes from the time you get off the phone with them to the time you receive your policy in the mail. Also they are very clear about if or when your policy amount changes and tell you how much. Everything is open and clear cut with Trustage, I'm so grateful for them. I know my family will be taken care of without issue when the time comes.
J
j. cromartie
25 days ago
I Got Approved
Becoming an insurance agent and then diagnosed with CKD, 10 yrs ago, and transplant 3 yrs ago, I have had trouble finding "affordable" life insurance. Thanks to TruStage, not only did I get approved for a plan, I was able to get the an affordable plan. So if you think you can't get insured, at least try. I got approved!
A
amy blair
a month ago
Easy to apply.
The application was easy to fill out.
J
jeanie zumar
a month ago
Simple to complete and review of…
Simple to complete and review of company appeared very credible
R
rose hadbavny
a month ago
Easy to understand
Easy to understand; and easy to use.
J
jorge rubio
a month ago
It was an easy process to apply and the…
It was an easy process to apply and the person I talked to was very helpful and understanding and made the entire process easy.
K
krystle murphy
a month ago
It's easy to understand an get
It was easy to get everything in order
B
brenda finney
a month ago
The customer service team is very…
The customer service team is very helpful
D
dorothy blue
a month ago
The lady that interviewed me was very helpful and explained everything so I would understand
I love the customer service it always help to speak to a person who is helpful and can explain everything to you
C
carolyn denise dixon
a month ago
The agent was very informative
The agent was very informative
C
clifton robinson jr
a month ago
everything went wonderful
everything went wonderful
S
shelley taylor
a month ago
Y’all are a great life insurance company
I got a great life insurance policy.
C
carl
a month ago
Because it was offered by my credit…
Because it was offered by my credit union.
C
chad lee east
a month ago
You just asked for a rating.
You just asked for a rating.
P
paula m crawford
a month ago
No experience just feel it's a good…
No experience just feel it's a good decision
D
denolda gates
a month ago
The representative was very informative
The representative was very informative
consumer-image
kenny mceliece
a month ago
They helped me every step of the way.
They helped me every step of the way.
L
linda levan-mowery
a month ago
Fast & informative info
Fast & informative info
S
susan correia
a month ago
Very happy
I was very happy and it was easy to apply
consumer-image
bernice walker
a month ago
Wonderful experience knowledge staff
Wonderful experience knowledge staff
E
esau sanchez
a month ago
trust true stage
great understanding with true stage helpful and nice I recommend to people with family trust true stage
R
rachael shoriwa
a month ago
Easy and fast processing.
Easy and fast processing.
J
j nettles
a month ago
Timely response
Timely response. Reasonable rates. Accurate information.
L
lynda young
a month ago
Helpful and coureous service
Helpful and coureous service
C
cl
a month ago
Staff know their job well
Staff know their job well, good service
L
lesley arline
a month ago
I was able to get the best policy and pricing
I was able to get the best policy and option for a great price.