TruStage life insurance review September 2019 |

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TruStage life insurance review

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Get affordable, flexible coverage without a medical exam.

  • Get a quote if you’ve been denied coverage by another provider due to your health.
  • Pick something else if you want coverage over $300,000.

18 to 69

Issue Age

$10,000 to $300,000

Coverage Amount


Medical Exam Required

What types of life insurance coverage does TruStage offer?

TruStage offers all of the standard coverages, including:

  • Term life insurance.
    This is TruStage’s most affordable option with its highest max coverage amount — up to $300,000. But you can’t be older than 69 to apply and it expires when you reach 80 years old. Premiums increase every five years.
  • Whole life insurance.
    Applicants younger than 85 can apply for this permanent protection with no medical exam and only a few questions. And you can lock in your premiums so your payments won’t increase over time. The max coverage amount is $100,000.
  • Guaranteed whole life insurance.
    This coverage allows applicants 45 to 80 years old to apply with no medical exam and no questions. However, the max coverage amount is only $25,000.

What riders can I add to my life insurance policy?

TruSage offers bare-bones policies and no rider add-ons are listed on its website.

How much does TruStage cost?

The cost of your life insurance is influenced by several factors, including what type of coverage you are applying for — term, whole or guaranteed — your gender, age and the coverage amount. For example, a female 35 to 39 years old applying for term life insurance with a coverage amount of $100,000 would pay $28.50 a month.

How can I get the lowest rate?

In addition to your coverage amount, age and gender, your rate is also determined by your health. So, the best rates go to those who are generally healthy and don’t use nicotine. Although TruStage doesn’t require a medical exam, you will be prompted to answer a few questions about your health. Topics include:

  • Major illnesses in the past five years
  • Exposure to the HIV infection
  • Chronic illness

Pros and cons


  • Guarantee. TruStage provides a 30-day satisfaction guarantee. Cancel your policy during the first 30 days if you’re not happy and get a full refund.
  • Solid reputation. You can feel confident in your policy due to TruStage’s “A” Excellent rating by A.M. Best.
  • No medical exam. With all three policies, there is no medical exam required.
  • Borrow against your policy. Policyholders can borrow against the cash value of their policy. Any unpaid balance on the loan is subtracted from the death benefit.


  • Limited riders. TruStage doesn’t advertise riders on its website.
  • Low coverage amount. TruStage caps coverage amounts at $300,000. If you need a policy that pays out over that amount, you’ll have to look elsewhere.

Compare other life insurance companies

Name Product Issue Ages Coverage Range Medical Exam Required
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
Compare quotes from 16 life insurance companies side by side.
18 - 64 years old
$100,000 to $3,000,000
Customized term life insurance policies up to $3 million, no medical exam required.
20 to 60 years old
$100,000 to $8,000,000
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
21 - 54 years old
$50,000 to $1,000,000
Affordable 2-, 10- and 20-year term life insurance policies. Instant quotes and no medical exams.
25 - 60 years old
$100,000 to $5,000,000
Offers term life insurance with accelerated underwriting. No-exam coverage up to $1,000,000 for those who qualify.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
Get a quote within minutes from more than a dozen insurers.
20 - 85 years old
$100,000 to $1,000,000
Depends on policy
Get a term or whole life insurance quote from Fidelity Life - starting as low as $15/day.

Compare up to 4 providers

TruStage reviews and complaints

TruStage has an excellent reputation with its customers. On TrustPilot, the overwhelming majority of reviews are five stars, with not a single “poor” or “bad” review, and only one “average” review. Customers praise the helpful customer service and easy process. TruStage is not accredited with the BBB, but it gets an A+ rating from the organization.

How does TruStage protect my data?

TruStage implements electronic, physical and procedural safeguards to keep your data secure. As for sharing your data, your nonmedical information could be disclosed to offer products and services to you and offered to third parties. However, your medical information won’t be used unless you authorize it, except to underwrite insurance, administer your policy or investigate fraud.

How do I sign up?

You can apply for life insurance with TruStage online or over the phone. To speak with a licensed TruStage agent, call 866-579-3170. Or get started online:

  1. Select the type of policy you want from the dropdown menu under Life.
  2. Enter your ZIP code, date of birth and gender, then click Get Pricing.
  3. Select from a range of quotes and click Apply Online Now.
  4. Name up to four beneficiaries and click Next to move on to the health questions.
  5. Answer a few health questions, accept the electronic delivery terms and privacy notice and give permission to have your prescription records checked. Then you’ll be asked to provide name and Social Security number.
  6. Lastly, enter your payment information, review the policy, agree and electronically sign the e-documents.

I’ve signed up. What happens next?

Approval is typically instant since there’s no required medical exam. Once approved, register your online account so you can take full advantage of your policy. Coverage begins once your first payment processes.

More about TruStage

Although the TruStage brand was trademarked in 2010, as part of CUNA Mutual Group, it has been providing its services for 80 years. In addition to life insurance, TruStage offers car insurance, accidental death and dismemberment insurance, property insurance and health insurance.

Bottom line

TruStage offers affordable life insurance options, including term, life and guaranteed policies. And because TruStage accesses your prescription records to assess your health, there’s no medical exam. But if you are looking for a fully customizable policy with plenty of riders and add-ons, you might want to look elsewhere.

When making such a big decision, weigh your options to get the right policy that meets your needs.

Frequently asked questions

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