CMFG Life Insurance Company, explained.
CMFG Life Insurance Company is a licensed life insurer that sits inside the group marketed as TruStage. It was renamed from CUNA Mutual Insurance Society on January 31, 2012, and it is the name you will often see on a policy contract. If your mailer says TruStage and your statement says CMFG Life, those two names are connected, and nothing is wrong.
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The short version
What is CMFG Life Insurance Company?
It is an insurer, not a brand. TruStage is the name on the marketing. CMFG Life Insurance Company is one of the licensed companies behind it, and the one whose name often appears on the contract itself. The group is headquartered in Madison, Wisconsin.
If you want plan details such as term, whole life and no-exam coverage, our TruStage life insurance review covers them. This page stays on the company.
What it is
A licensed life insurer. It is one of the insurers inside the group that markets itself as TruStage.
Where it is based
The group is headquartered in Madison, Wisconsin. CMFG Life is an Iowa-incorporated stock insurer.
Where the name came from
It was renamed CMFG Life Insurance Company on January 31, 2012. Before that it was CUNA Mutual Insurance Society.
How to look it up
Search the company name in the NAIC Consumer Insurance Search, or ask your state insurance department.
Where the name comes from
Three names, one family of companies.
Older paperwork may say CUNA Mutual. Newer mail says TruStage. The contract may say CMFG Life. Here is how each name got there.
1935
CUNA Mutual Insurance Society
TruStage says it was born out of the credit union movement, and its roots go back to 1935. CUNA originally stood for Credit Union National Association.
Jan 31, 2012
CMFG Life Insurance Company
The society reorganized into a stock insurance company incorporated in Iowa, inside a mutual insurance holding company structure, and was renamed CMFG Life Insurance Company.
May 23, 2023
One brand: TruStage
CUNA Mutual Group announced it was unifying its enterprise, business-to-business and consumer brands under the single name TruStage.
Sources: TruStage’s May 2023 announcement and the company’s SEC filings for its variable life account, which record the January 31, 2012 reorganization and rename.
TruStage, CMFG Life and your credit union
Which name does what?
Short answer: the insurer named on your contract is the one that owes you the coverage. The other names are brand, parent company or the place you heard about it.
| Name | What it is | Where you see it |
|---|---|---|
| TruStage | The marketing name for TruStage Financial Group, Inc., its subsidiaries and its affiliates. | Mailers, the website, credit union offers |
| TruStage Financial Group, Inc. | The group, known as CUNA Mutual Group until the 2023 rebrand. Based in Madison, Wisconsin. | Corporate materials, older CUNA Mutual paperwork |
| CMFG Life Insurance Company | One of the group’s insurers. It issues insurance products, including TruStage life insurance. | The policy contract, billing statements, regulator records |
| Your credit union | Where many people first hear about the coverage. It is not the insurer unless your contract says so. | Branch offers and member mailings |
TruStage lists six insurers on its site: CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society, CUMIS Specialty Insurance Company, American Memorial Life Insurance Company and Union Security Insurance Company. That is why the company named on your own contract matters more than the brand on the mailer. If you are wondering whether an offer is real, our is TruStage legit guide covers that directly.
What it stands behind
The life insurance on TruStage’s shelf.
TruStage’s life insurance page lists three types. Which insurer issues a given policy is shown in that policy, so treat this as a map, not a promise about your contract.
Term
Term life
Coverage that lasts a set term. TruStage describes terms of 10, 15 or 20 years.
Whole
Whole life
Lifelong coverage that, per TruStage, can build cash value.
No exam
Guaranteed acceptance whole life
TruStage lists this plan as needing no medical exam and no health questions.
Financial strength, from the source
What the company says about its size.
TruStage’s about page currently shows three group-wide figures. They describe the whole TruStage group, not CMFG Life alone, and the page gives no as-of date.
- $36.1 billion in assets under management
- $2.6 billion in total benefits paid
- 42 million consumer relationships protected
Three free checks you can run yourself
- Licensing. Search the company name in the NAIC Consumer Insurance Search to verify the name on your policy and find the regulator to contact.
- Home regulator. CMFG Life is incorporated in Iowa, so the Iowa Insurance Division is where its home-state oversight sits. Your own state department handles the rest.
- Rating. AM Best publishes its current financial strength rating for the company at ambest.com. Read it there, since ratings are updated over time.
When not to call us
If the name was the only question, you are done.
Plenty of people land here for one reason: the name on a statement did not match the name on a mailer. If that is you, you now have the answer, and there is nothing to buy or change.
- If the policy fits your family and your beneficiary is current, keep it as it is.
- If you only need to reach the insurer, use the contact details on your statement or the insurer’s official site.
- If you are happy with the coverage amount and the premium, a call is optional.
Call when you want a second set of eyes, a beneficiary change, a billing question sorted out, or a comparison. A review that ends in keep what you have is a good result.
Knowing who your insurer is comes first. Everything else, from a beneficiary change to a billing question, gets easier once you do.
Straight answers
CMFG Life Insurance Company questions, answered.
Reviewed by Aleen Alnono, licensed insurance agent (NPN 58310472) · Updated October 2026
01What is CMFG Life Insurance Company?
CMFG Life Insurance Company is a licensed life insurer and part of the group that markets itself as TruStage. It reorganized into a stock insurance company incorporated in Iowa and took the CMFG Life name on January 31, 2012. TruStage lists it as one of the insurers that issue its insurance products.
02Is CMFG Life Insurance Company the same as TruStage?
They are related, not identical. TruStage is the marketing name for TruStage Financial Group, Inc., its subsidiaries and affiliates. CMFG Life Insurance Company is one of the insurers inside that group, and the name you will usually find on the policy contract. TruStage lists six insurers in all, so the one named on your own contract is the one to go by.
03What does CMFG stand for?
The letters match the initials of CUNA Mutual Financial Group, Inc., the intermediate holding company created in the 2012 reorganization. CUNA, in turn, stood for Credit Union National Association.
04Is CMFG Life the same as CUNA Mutual?
It is the same insurer under a newer name. CUNA Mutual Insurance Society was renamed CMFG Life Insurance Company on January 31, 2012. The wider group, called CUNA Mutual Group, unified its brands under the TruStage name on May 23, 2023. Older paperwork may carry either earlier name.
05What does CMFG Life stand behind?
TruStage lists term life, whole life and guaranteed acceptance whole life among its life insurance products, and says its insurance products are issued by CMFG Life and five affiliated insurers. Which insurer issued a particular policy is printed on that policy, so check your own contract rather than assuming.
06How do I check CMFG Life Insurance Company’s financial strength?
Start with what the company says. TruStage’s about page currently shows $36.1 billion in assets under management and $2.6 billion in total benefits paid for the group (no as-of date is shown). For an outside view, AM Best publishes the current financial strength rating for the company at ambest.com, and your state insurance department can confirm licensing. Those sources update; this page does not.
07Where can I find CMFG Life Insurance reviews?
Most reviews you will find are about TruStage life products rather than the insurer itself, so our TruStage life insurance review is the better match for plan details. For the company, the NAIC Consumer Insurance Search and your state insurance department are the neutral places to start. A free call with our team of licensed professionals can also compare your policy with other options, if you want that.
08How do I cancel or change a policy issued by CMFG Life?
Your policy documents name the insurer and the steps for a written request. Before you cancel, it helps to know whether the policy has any cash value and what ending it would change. Our guide to cancelling a TruStage life insurance policy walks through what to confirm first, and a free review can read the policy with you.
This is an independent review. Policy Review Center is a free comparison and referral service and is not affiliated with or endorsed by TruStage or CMFG Life Insurance Company; names are used for identification only. Company details come from public sources and the company’s own site and can change, so confirm current terms with the insurer. Availability varies by state. Educational only, not tax, legal or financial advice. A review may conclude that your existing policy is worth keeping. Any coverage changes are completed through independent licensed insurance professionals.
Keep reading
- TruStage life insurance review (term, whole life and no-exam plans, and who they fit).
- How to cancel a TruStage life insurance policy (what to confirm before you send the request).
- TruStage policy help (billing, beneficiaries and claims for a policy you already hold).
- TruStage vs Globe Life (a side-by-side if you are weighing options).
- Already covered? Start with a free policy review before you change anything.
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Read the policy first. Decide second.
Our team of licensed professionals can go through your CMFG Life or TruStage paperwork with you, answer billing and beneficiary questions, and compare other options if you want them. Free, and we will say so plainly if keeping it is best.
- Telling which company is named on your policy
- Finding the right department for your request
- Beneficiary changes and billing questions
- Claims paperwork, step by step
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