TruStage is a trusted, no-exam life insurance option designed for seniors and credit union members who want simple, accessible coverage — even later in life.
Insurance expert Maryalene LaPonsie has been writing professionally for 25 years, with the past decade focused on personal finance -- insurance, investing and retirement. She is a regular contributor to U.S. News & World Report, Forbes Advisor, USA Today Blueprint and Money Talks News.
Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.
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TruStage life insurance is a long-standing, exam-free option designed for people who want an easy, intuitive way to get covered — especially older adults and credit union members who prefer a familiar, human-guided experience.
Most life insurance companies restrict applicants over age 60 or require medical exams, but TruStage takes a more accessible approach. If you’re looking for straightforward coverage you can qualify for later in life — including guaranteed acceptance whole life through age 80 — TruStage delivers a simplified way to protect your family without health hurdles.
TruStage is part of the credit union movement and has provided insurance solutions to members for more than 85 years. Its policies are issued by CMFG Life Insurance Company and MEMBERS Life Insurance Company, among others, and the application process is designed to be fast, supportive, and exam-free.
With modest coverage options, no medical exams, and the ability to apply online or speak with an agent, TruStage is a strong pick for seniors and families who want familiar, accessible life insurance without complexity.
What TruStage has to say
“Life insurance doesn’t have to be complicated,” the TruStage website explains. “We make it simple to apply online or get personal help — so you can choose coverage with confidence, at any stage of life.”
TruStage stands out by offering highly accessible, no-exam coverage backed by the trust of thousands of credit unions nationwide.
Our honest take
TruStage is not the cheapest insurer, but for seniors, TruStage offers something rare: no-exam life insurance that remains available well into your late 70s. Meanwhile, credit union members who value simplicity, no-exam underwriting, and a familiar name, TruStage fills an important gap in a market crowded with digital-first insurers that can feel unfamiliar or impersonal.
Pros:
Cons:
TruStage holds an A+ rating from the Better Business Bureau, the BBB’s highest grade. This reflects strong marks for transparency and how the company responds when customers raise concerns.
TruStage does not currently have a financial strength rating from A.M. Best or a complaint index from the National Association of Insurance Commissioners (NAIC). That’s common for insurance brands that operate through partnerships and third-party carriers rather than as a standalone insurer. While it means there’s less traditional insurance data available, it doesn’t automatically signal higher risk for customers.
TruStage offers straightforward term and whole life insurance with simple underwriting and predictable coverage amounts. Policies are built for accessibility rather than customization: coverage amounts are modest, eligibility extends into later ages, and no medical exams are required.This makes TruStage especially appealing to seniors, credit union members, and anyone who wants a familiar, easy-to-understand option backed by providers with long-standing reputations.
TruStage sells three main types of life insurance — term life, whole life, and guaranteed acceptance whole life — along with preneed/funeral insurance. All policies are designed to be accessible and exam-free, and you can apply online or with an agent.
TruStage does not require a medical exam for any product. Term and whole life policies rely on a brief set of health questions, while guaranteed acceptance whole life does not include any health questions at all. Most applicants receive an instant online decision.
The TruStage application process is simple and streamlined. You can apply entirely online in just a few minutes and get an instant decision, or choose to speak with a licensed agent if you prefer personalized guidance. This hybrid approach is especially helpful for seniors and credit union members who want support along the way.
TruStage’s term life rates are higher than many online insurers, particularly for older adults, because the company uses age-banded pricing and simplified underwriting. That means your premiums increase every five years, and costs rise steeply as you age. Younger nonsmokers will still pay less than older applicants, but TruStage is generally most cost-effective for people who value easy approval over low rates.
TruStage uses age-banded pricing, which means your premiums increase every five years as you enter a new age bracket. Unlike level-term life insurance — where your rate stays the same for the entire term — banded pricing results in steadily rising premiums over time. This structure makes TruStage more accessible for older adults, but more expensive long-term for younger applicants.
Your exact price depends on your age, gender, and the coverage amount you choose, with the most affordable rates going to applicants in their 20s and 30s. Because TruStage accepts applicants up to age 70 and maintains coverage until age 80, its pricing reflects the broader age range it serves compared to many online-only competitors.
The table below highlights sample monthly premiums for a banded $300,000 term policy for healthy nonsmokers.
Any amount of life insurance is better than none — especially for seniors. TruStage allows buyers to increase coverage later as budgets allow.But most people need enough coverage to handle immediate expenses, ongoing household needs, and any future goals their income would have supported.
TruStage recommends evaluating three categories — immediate, ongoing, and future needs — to estimate how much coverage to buy.
The company does not offer its own calculator, so shoppers must manually add up expenses like funeral costs, debt balances, and income replacement needs.
Expenses to consider:
TruStage is a strong fit for seniors and credit union members who want no-exam coverage from a familiar, trusted source. Its policies are built for older adults who may struggle to qualify elsewhere, offering simple applications, guaranteed acceptance options, and steady support rather than a purely digital experience.
Coverage limits are modest and prices may run higher than online competitors, but TruStage stands out for its ease of approval and deep credit union ties — two qualities that matter when you want coverage later in life. If you’re looking for a straightforward policy with no medical exams and minimal barriers, TruStage remains one of the most accessible choices on the market.