TruStage life insurance, reviewed.
TruStage is the consumer insurance brand of CUNA Mutual Group, with life coverage underwritten by A-rated CMFG Life Insurance Company — which has served credit unions since the Great Depression. The bottom line: a soundly backed choice for simple, no-exam coverage, with a credit-union heritage that sets it apart.
✓ Independent & consumer-first✓ 26 years in business✓ Every major carrier reviewed✓ Licensed in all 50 states
What it does well
Simple coverage with a name behind it.
TruStage pairs a long credit-union heritage with an easy, no-exam digital application — and these are the reasons it stands out.
Underwritten by CMFG Life
TruStage life insurance is underwritten by CMFG Life Insurance Company, which carries an A.M. Best rating of A (Excellent) as of December 2025 — solid backing behind a long-term promise.
Decades serving credit unions
CMFG Life has served credit unions since the Great Depression, and the group now goes by TruStage — the kind of track record that matters when a claim is filed years from now.
Easy no-exam online application
TruStage is known for simple coverage you can apply for online without a medical exam — a straightforward path for people who want protection in place quickly.
A guaranteed-acceptance option
For ages 45–80, the guaranteed-acceptance whole life plan asks no health questions, so coverage is within reach even for those who’ve had trouble qualifying elsewhere.
Whole and term choices
The shelf spans term life for temporary needs and whole life for lifelong coverage, so you can match the plan to what you’re protecting.
A trusted member-focused name
As the consumer insurance brand built around credit-union members, TruStage carries a familiar, member-first reputation behind its plans.
Want TruStage’s number for your age? A licensed professional will run it and compare it to the market. No obligation.
Call (888) 959-0710What they offer
Term, whole, and a guaranteed-acceptance option.
The shelf covers temporary and lifelong needs, plus an option that asks no health questions (per TruStage):
Term
Term life
Simple online term coverage up to $300,000 for temporary needs, with rates that step up every 5 years as you renew.
Whole
Whole life
Simplified-issue whole life up to $100,000 — lifelong coverage with a straightforward application and no medical exam.
Guaranteed
Guaranteed acceptance
Guaranteed-acceptance whole life up to $25,000 for ages 45–80, with no health questions to answer.
Is it a good fit?
Especially strong for simple, no-exam coverage.
TruStage is a strong choice for plenty of buyers. You get coverage underwritten by A-rated CMFG Life, a credit-union heritage that goes back to the Great Depression, and an easy online application that skips the medical exam.
Where fit gets specific is the coverage amounts. The plans are capped, so if you’re protecting a larger need, the right move is to set TruStage beside two or three others on amount and price. That comparison is free.
The credit-union heritage and the no-exam application are a genuinely useful combination. We still compare it, because the best policy is the one that fits the amount you actually need to protect.
Already have a policy?
Confirm you’re getting their best rate.
If you already hold a TruStage policy, a licensed professional will read it with you and check whether your plan and coverage amount still fit your needs. With coverage underwritten by an A-rated carrier, often you’re in good shape — and we’ll say so plainly.
Free · no obligation · Mon-Sat · 10am-9pm
- Whether you’re on a term, whole, or guaranteed-acceptance plan
- If your coverage amount still matches what you’re protecting
- Whether another carrier fits your profile better on amount or price
- That your beneficiary is current and correct
Straight answers
TruStage questions, answered.
By Braxton Mondell, licensed in all 50 states · Updated June 2026
01Is TruStage life insurance legit and good?
Yes — TruStage life insurance is underwritten by CMFG Life Insurance Company, which carries an A.M. Best rating of A (Excellent) as of December 2025. TruStage is the consumer insurance brand of CUNA Mutual Group, which has served credit unions since the Great Depression — a well-established, soundly rated name.
02Who underwrites TruStage life insurance?
TruStage life insurance is underwritten by CMFG Life Insurance Company. CMFG Life has served credit unions since the Great Depression and holds an A.M. Best rating of A (Excellent) as of December 2025 (per trustage.com).
03What does TruStage offer — term, whole, and guaranteed acceptance?
TruStage writes term life (up to $300,000, with rates that increase every 5 years), simplified-issue whole life (up to $100,000), and guaranteed-acceptance whole life (up to $25,000 for ages 45–80, with no health questions). The plans are designed to be simple to apply for online.
04Do I have to be a credit union member?
TruStage life insurance is distributed largely through credit unions, which partner with the brand to offer coverage to their members. The simplest step is to check your eligibility — a licensed professional on our team can help you confirm how to apply and whether membership applies to you.
05Is there a medical exam?
No — these TruStage plans are designed as no-exam coverage you can apply for online. The guaranteed-acceptance whole life plan goes a step further and asks no health questions at all for ages 45–80 (per trustage.com).
06Is TruStage a good fit?
It’s a strong choice for convenient, no-exam coverage — especially if you value the credit-union heritage and a simple online application. Because the plans have coverage caps, it’s worth comparing the amounts and price to other carriers if you have larger needs, which a free review does in minutes.
This is an independent review. Policy Review Center is not affiliated with or endorsed by TruStage or CMFG Life Insurance Company; product names are used for identification only. Plan details come from the carrier and can change — confirm current terms with TruStage. Educational only, not financial advice; any coverage changes are completed through licensed insurance professionals.
See every option. Then choose.
Call and a licensed professional will compare TruStage against the broader market for your age and health — and tell you straight which gives you the most.