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TruStage life insurance review 2021

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Get a policy without a medical exam — but coverage is capped at low amounts.'s rating: 3 / 5


  • Get a quote if… you want to skip the medical exam.
  • Pick something else if… you want coverage over $300,000.

18 to 69

Issue Age

$10,000 to $300,000



Medical Exam Required


Policies Term, Whole, Guaranteed whole
Coverage maximum $300,000
Term lengths 5 Year Banded Term
Medical exam required No
Available states All states
Issue age 18 - 69 years old


  • No medical exam options.
  • Financially strong.


  • Policies can’t be customized.
  • Low coverage amounts.
Riders No riders available

Expert review

Julia Cameron

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

TruStage offers affordable life insurance options, including term, life and guaranteed policies. It issues coverage without a medical exam, which means your policy can go into effect instantly.

But if you’re looking for a fully customizable or high-value policy, compare life insurance companies.

What types of life insurance coverage does TruStage offer?

TruStage offers a simple lineup of term and permanent policies:

  • Term life insurance. Purchase up to $300,000 in coverage for a policy that lasts a set number of years.
  • Whole life insurance. Available up to age 85, this policy offers up to $100,000 in lifelong coverage and predictable premiums. It also builds cash value over time.
  • Guaranteed whole life insurance. This coverage is open to applicants 45 to 80 years old, and it doesn’t require a health questionnaire or medical exam. The maximum coverage amount is $25,000.

What riders can I add to my life insurance policy?

TruStage doesn’t allow policyholders to customize their coverage with riders.

How much does TruStage life insurance 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, according to the insurer.

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20 - 60 years old
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Term life insurance with no policy fees and a simple application process that can get you approved for coverage instantly.
21 - 60 years old
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Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
18 - 85 years old
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Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
21 - 54 years old
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Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.

Compare up to 4 providers

TruStage life insurance reviews and complaints

TruStage isn’t accredited with the Better Business Bureau, but it has an A+ rating for its customer interaction. The BBB has recorded eight complaints in the last three years, which is low for an insurance company. Customers award the insurer 2 out of 5 stars.

The company has an excellent review on TrustPilot, earning 4.7 out of 5 stars from over 3,400 reviews as of October 2020.

How does TruStage work with CMFG Life insurance?

CMFG Life Insurance issues TruStage’s life insurance products and is TruStage’s parent company. CMFG holds an A+ rating with the Better Business Bureau (BBB) and financial rating from AM Best. The company has closed 11 complaints on the BBB site in the last 12 months, as of April 21, 2020. Multiple complaints dealt with payment refutes due to unapproved billing or issues with the company’s products.

CMFG Life Insurance is also a subsidiary of CUNA Mutual. CUNA Mutual sells life insurance on its website under the TruStage name.

How do I apply for TruStage life insurance?

You can apply for a TruStage policy online or over the phone by calling 866-579-3170.

These are the steps to apply 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.

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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