TruStage Life Insurance — 2025 Review & Complete Guide

Many Americans first hear about TruStage Life Insurance through their local credit union. But is it really the right choice for your family’s financial protection?

Here’s the quick answer: TruStage Life Insurance, backed by CUNA Mutual Group and offered through 3,500+ credit unions, provides term, whole, and guaranteed acceptance life insurance. It’s convenient, easy to apply for, and widely trusted — but often more expensive and with lower coverage limits than traditional insurers.

In this 2025 complete guide, you’ll learn:

• Who TruStage is and how it works
• The types of life insurance policies available
• Costs, benefits, and drawbacks
• TruStage reviews, AM Best rating, and customer feedback
• Login and phone number support details
• How TruStage compares with competitors
• FAQs to help you decide

TruStage Life Insurance Company Overview

• Parent Company: CUNA Mutual Group, founded in 1935.
• Distribution Model: Sold through 3,500+ U.S. credit unions.
• Policies Issued By: CMFG Life Insurance Company and Liberty Mutual.
• Financial Strength: Rated A (Excellent) by AM Best.
• Trust Factor: Over $2 billion paid in claims and $32+ billion in assets under management.

What makes TruStage unique?
Unlike insurers like State Farm or Prudential, TruStage doesn’t rely on agents. Instead, it leverages credit union relationships — offering members insurance directly through institutions they already trust.

This credit union life insurance program makes TruStage especially attractive to members who value convenience and simplified underwriting over complex applications.

Types of TruStage Life Insurance Policies

TruStage offers three main policies: term, whole, and guaranteed acceptance life insurance.

TruStage Term Life Insurance

• Coverage: $25,000 – $300,000.
• Premiums: Level throughout the initial term.
• Medical Exam: Often not required.
• Convertibility: Many policies can convert to permanent life without new underwriting.

✅ Best for: Young families paying a mortgage, parents with kids, or those needing temporary protection.

TruStage Whole Life Insurance

• Coverage: $10,000 – $100,000.
• Premiums: Fixed for life.
• Cash Value: Builds over time (can be borrowed against).
• Guaranteed death benefit as long as premiums are paid.

✅ Best for: Those seeking permanent coverage with savings benefits.

TruStage Guaranteed Acceptance Life Insurance

• Coverage: $5,000 – $25,000.
• No health questions or exams.
• Higher premiums, lower coverage.
• Waiting period may apply before full benefits.

✅ Best for: Seniors or individuals with health issues who may not qualify elsewhere.

📊 Policy Comparison Table

Policy Type	Coverage	Medical Exam	Cash Value	Best For
Term Life	$25K–$300K	❌ Not required	❌	Young families needing affordable temporary coverage
Whole Life	$10K–$100K	❌ Simplified underwriting	✅	Permanent coverage + savings
Guaranteed Acceptance	$5K–$25K	❌ None	✅	Seniors & high-risk applicants

TruStage Life Insurance Cost & Quotes

Here are sample monthly premiums (2025 estimates, non-smoker, healthy applicant):

Age	Policy Type	Coverage	Monthly Premium
25	Term	$100,000	$15–$20
35	Term	$250,000	$25–$45
45	Whole Life	$50,000	$120–$180
60	Guaranteed Acceptance	$15,000	$90–$120

Key cost factors:

• Age (older = more expensive).
• Policy type (whole > guaranteed acceptance > term).
• Coverage amount.
• Health & lifestyle.

👉 Compared to competitors, TruStage is not the cheapest. You pay more for no medical exam convenience.

Benefits & Drawbacks of TruStage

✅ Benefits

• Easy enrollment through credit unions.
• No medical exam options.
• Backed by CUNA Mutual (financially strong).
• Quick approval process.
• Trusted by millions of Americans.

❌ Drawbacks

• Higher premiums vs competitors like Haven Life or Banner.
• Coverage capped ($300K max for term).
• Limited product customization (few riders).
• Not ideal for high-net-worth families needing $1M+.

TruStage Life Insurance Reviews & Ratings

AM Best Rating

• CMFG Life & Liberty Mutual: A (Excellent).

BBB Rating

• A+ Better Business Bureau rating.

Trustpilot

• Over 10,000 reviews, average 4.6/5 stars — customers cite simple applications and reliable claims.

Common Praise

• Fast, easy approval.
• Great option for credit union members.
• Helpful customer service.

Common Complaints

• Premiums higher than average.
• Limited maximum coverage.
• Some confusion about policy terms.

TruStage Life Insurance Login & Customer Portal

You can manage your policy online with the TruStage login portal:

1. Go to my.trustage.com/my-account/login.
2. Enter username & password.
3. Access your policy dashboard.

What you can do online:

• Pay premiums & view payment history.
• Update beneficiaries.
• Change contact information.
• View/download policy documents.
• Submit certain claims.

TruStage Life Insurance Phone Number & Support

📞 TruStage Life Insurance Phone Number: 1-800-779-5433
🕑 Hours: Mon–Fri: 7 a.m.–9 p.m. CT; Sat: 8 a.m.–4 p.m. CT
📠 Fax: 1-608-236-8030
📬 Mail: CMFG Life Insurance Company, 5910 Mineral Point Road, Madison, WI 53705

Beneficiaries can also initiate claims online via the TruStage claims portal.

TruStage Life Insurance vs Competitors

Feature	TruStage	State Farm	Haven Life	Banner Life
Max Coverage	$300K	$5M+	$3M	$10M+
Medical Exam	❌ Often not required	✅ Usually required	✅ Sometimes	✅ Usually
Pricing	Moderate–High	Competitive	Very competitive	Very competitive
Products	Term, Whole, Guaranteed	Extensive	Term only	Term, UL
Best For	Credit union members	Families needing in-person service	Tech-savvy young adults	Budget-conscious families

Case Study — TruStage in Action

Case 1: Credit Union Member Convenience
Maria, a 42-year-old teacher and credit union member, wanted life insurance without a long application process. TruStage offered a $100,000 whole life policy in under 48 hours — no medical exam needed. While her premium was higher than Haven Life, she valued speed and simplicity.

Case 2: Senior Coverage
James, age 62, had health challenges that made qualifying for traditional life insurance difficult. TruStage’s Guaranteed Acceptance plan gave him $15,000 in final expense coverage. His children were relieved knowing funeral costs wouldn’t be a burden.

Conclusion

TruStage Life Insurance is a simple, convenient choice for credit union members who want straightforward coverage without medical exams.

It’s best for:

• Young families need easy coverage.
• Seniors or people with health challenges.
• Credit union members valuing trust and convenience.

It may not be ideal for:

• High-income families needing $1M+ coverage.
• Price-sensitive buyers who can qualify for preferred rates elsewhere.

👉 Next Step: Before you buy any life insurance, make sure your savings can handle emergencies. Use our free Emergency Fund Calculator to check your financial readiness today.

FAQs About TruStage Life Insurance