TruStage Insurance Complete Details Regarding

by

Complete Details Regarding TruStage Insurance

How Does TruStage Insurance Work?

Under the TruStage Insurance banner, CMFG Life Insurance Company provides insurance to members of credit unions around the country.

  • The primary goal in establishing it was to ensure that credit union members could affordably get insurance.

  • Gives customers a variety of insurance options, including:

    • Term life policy

    • Auto policies

    • Death and dismemberment due to unintentional causes

    • Medical insurance

    • Homeowners’ and renters’ policies

Who Owns TruStage Insurance?

The TruStage name is owned by CUNA Mutual Group, a respectable financial services company that has been around since 1935.

  • The Credit Union National Association (CUNA) Mutual Group offers banking, investing, and insurance products and services to credit union members.

  • More than 20 million customers are now using TruStage products.

Insurance Categories Offered by TruStage

1. Life Insurance

  • TruStage offers term and whole life insurance policies.

  • Built with ease of application in mind; in many cases, a doctor’s visit is not required.

  • Term life insurance offers coverage lengths of 10, 15, 20, or 30 years.

  • Whole life insurance provides protection for a lifetime that grows in value.

2. Vehicle Insurance

  • Offered via a partnership between Liberty Mutual and TruStage.

  • Covers:

    • Taking Responsibility

    • Crashing into one another

    • Complete

    • Health insurance premiums

  • Special discounts are available to members of credit unions.

3. Accidental Death and Dismemberment (AD&D)

  • One of TruStage’s most popular products.

  • Qualifying credit union members may be eligible for $1,000 gratis coverage.

  • Covers:

    • Died without intending to

    • Loss of limb functionality

    • Endless immobility

  • May enhance coverage for a small monthly fee.

4. Health Insurance

  • Affordable individual health insurance plans are available.

  • Helpful for those who are unemployed or without employer health plans.

  • Offers marketplace-style comparison and enrollment support.

5. Renters’ and Homeowners’ Insurance

  • Offered via Liberty Mutual.

  • Covers:

    • The inferno

    • The heist

    • Taking Responsibility

    • Unpredictable events (policy-related)

  • Renters insurance provides affordable monthly protection for your belongings.

What Makes TruStage Insurance the Best Option?

  • Meticulously crafted to cater to credit union members.

  • Easy-to-follow application process.

  • Many plans do not require medical exams.

  • Offers affordable coverage and unique member discounts.

  • Backed by the decades-long stability of CUNA Mutual Group.

Benefits and Characteristics of TruStage Policies

  • Ease of Access: Available to all credit union members.

  • Transparency: Clear and easy-to-understand policies.

  • Versatility: Wide range of coverage options for different life stages.

  • Quote Without Commitment: Free online quote requests.

  • Quick Claims Processing: Known for relatively fast claims resolution.

TruStage Insurance Premiums Are Determined By:

  • Age

  • Health

  • How much protection

  • Policy type

💵 Starting Costs:

  • Term life insurance: as low as $7/month

  • Whole life insurance: higher due to cash value accumulation

  • AD&D Upgrade: ~$1/month for $10,000 in coverage

Who Should Consider TruStage?

  • Young families needing affordable life insurance.

  • Seniors requiring no-exam life insurance.

  • First-time buyers unfamiliar with insurance complexities.

  • Credit union members seeking community-based coverage.

  • Individuals without access to health insurance.

How Secure Is TruStage Insurance?

  • Underwritten by the reputable CMFG Life Insurance Company

  • A (Excellent) rating from A.M. Best indicates financial stability

  • Known for reliable claim settlement and strong client support

  • Uses bank-level encryption for data protection

The TruStage Insurance Application Process

  1. Visit your credit union’s official insurance portal or www.trustage.com.

  2. Choose a policy that fits your needs.

  3. Fill out the form in about 10 minutes.

  4. Get a quick online quote.

  5. Submit your application.

  6. Pay your premium and receive digital policy documents.

TruStage vs. Other Insurance Companies

Feature TruStage Others
Medical Exam Required? Not always Typically yes
Credit Union Benefits Required? Yes No
No-Cost AD&D Insurance? Yes, $1,000 Rare
Financial Strength? A-Rated (Excellent) Varies
App/Policy Type Flexibility Wide Range Some offer lifelong cash value

✅ Advantages and Disadvantages of TruStage Insurance

Pros:

  • Affordable for most income groups

  • Easy-to-understand policies

  • No medical exam life insurance options

  • Free AD&D coverage for members

  • Supported by reliable CUNA Mutual

Cons:

  • Only available to credit union members

  • Fewer customization options than big insurers

  • AD&D policy only covers specific events

  • Some policies may be pricier than online competitors

TruStage Insurance Frequently Asked Questions (FAQ)

❓ Can everyone get TruStage insurance?

  • No, it’s primarily for credit union members.

  • Become a member to access policies.

❓ Are multiple policy types available?

  • Yes, many choose to bundle AD&D, auto, and life for savings and complete coverage.

  • File a claim online or by phone.

  • Required:

    • Policyholder information

    • Event documentation (death certificate, police report)

    • Beneficiary info

   Is whole life insurance from TruStage worth it?

  • Yes, especially if you’re looking for long-term coverage with cash value and are a senior or have health conditions.

    What are the age requirements?

  • Most offerings cover ages 18–75, with AD&D extending up to age 80.

What Is Not Covered by TruStage?

  • Suicide within the first two years

  • Fatalities due to illegal activities

  • Pre-existing health conditions, depending on policy

  • Non-accidental incidents under AD&D

  • Damage from drunk driving in home or auto policies

    Complete Details Regarding TruStage Insurance

Tips for Maximizing Your Experience with TruStage

  • Compare multiple quotes before buying

  • Take advantage of free AD&D coverage

  • Bundle auto and life insurance for discounts

  • Keep your credit union membership active

  • Review your policy after major life changes (wedding, child, etc.)

🌐 How to Get a Quote from TruStage

  1. Visit www.trustage.com

  2. Choose your desired policy

  3. Provide basic info (age, income, insurance card number)

  4. Compare term vs. whole life

  5. Receive your personalized quote in seconds

🌟 Real Testimonials from Satisfied Customers

“Super simple sign-up and great customer support!“

“Trustworthy and reasonably priced. I bundled my life and renters policies.”

“Enjoy the ride! Could use more customization, but great value overall.”

Final Thoughts on TruStage Insurance

TruStage Insurance is an excellent, affordable choice for credit union members looking to protect their homes, vehicles, and families.

  • Backed by a strong financial institution

  • Features a simple application process

  • Offers peace of mind and solid protection options

Whether you’re a senior, parent, or young adult, TruStage likely has a policy to suit your life stage.

🎯 Key Takeaways

  • Works exclusively with credit unions

  • Offers AD&D, health, auto, life, and more

  • Underwritten by A-rated CUNA Mutual Group

  • No medical exams and easy online applications

  • Insurance solutions that are secure, trusted, and community-focused

Leave a Comment