TruStage life insurance review

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Best for: People who don’t need high coverage

Our take: TruStage, which is a 2023 rebrand of CUNA Mutual Group, is a digital-focused life insurance company that promises quotes within minutes and policies without any medical exams. However, its prices are notably higher than many competitors and its coverage limits for online life insurance are lower — only offering quotes up to $300,000. Because of low coverage availability, TruStage is a good option for people who don’t need a lot of life insurance coverage, such as individuals who are retired or don’t have any major financial obligations. People seeking high coverage amounts should look elsewhere. 

While TruStage is very young, CUNA Mutual has been around for over 85 years. Although in its infancy as a life insurer, TruStage is ahead of the curve for its easy online applications and no medical exam requirements. However, you pay higher premium costs for this convenience than some competitors. 


  • No medical exam required for coverage
  • Easily accessible online quotes
  • Offers term and whole life insurance products


  • High prices compared to competitors
  • Low coverage amount availability
  • Very expensive premiums for older adults

TruStage third-party ratings

Financial Strength
Customer Experience

Trustworthiness: The Better Business Bureau evaluates businesses’ behavior, trustworthiness, and performance. A business with a high ranking from the BBB can be trusted to meet its commitments. TruStage is not accredited with the BBB, which means it has not made a commitment to respond to complaints made to the BBB about its service. Still, the BBB gives TruStage an A.

Financial strength: A.M. Best evaluates a company’s financial health and its ability to meet its financial obligations. CMFG Life Insurance Company, a subsidiary of TruStage that underwrites its policies, was given an A grade from A.M. Best. This is considered an “Excellent” rating, but it is also the third-highest rating according to A.M. Best’s standards.

Customer experience: Trustpilot is an online platform for individuals to provide reviews of companies and their customer experience. Trustpilot gives TruStage a rating of 4.7 out of a possible 5.

How TruStage stacks up against selected competitors

Third-party ratingsTruStageBestowLadderFabric
Financial StrengthAA+AA+
Customer Experience4.

*NR = not rated

More details about TruStage life insurance

Policies offered:

  • Life products offered: Term, whole, and guaranteed acceptance whole life insurance.

Other coverage:

  • Accidental death and dismemberment (AD&D) insurance and funeral insurance.


  • TruStage’s website states that policies start at $4.80 per month. Prices vary widely based on your gender, age, location, and overall health.

Insurance partners:

  • TruStage insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies.

Other details:

  • Ages and coverage limits: TruStage offers term life insurance for people up to age 70, with coverage going up until age 80. Coverage tops out at $300,000.
  • Waiting period: There is no waiting period.
  • Medical requirements: TruStage does not require medical exams for its online life insurance policy. There are two health questions to answer on the online life insurance application.

Additional product line details

More details on TruStage term: TruStage offers term life insurance, which provides insurance for a specified period of years. If premiums are paid, you’re covered. You can also convert your term policy into a whole life policy. TruStage offers policies based on 10-to-30-year terms.  

More details on TruStage whole life: Whole life insurance offers enduring protection in the form of a death benefit — because of this, it provides protection for life. TruStage has whole life policies available after you answer only a few health questions online.

How much does TruStage life insurance cost?

Compared to other online insurers, TruStage tends to offer less coverage for a higher price. Additionally, premiums aren’t level — which means they don’t stay the same over the course of the policy. Premiums increase when the policyholder reaches each five-year age band. For example, if you buy a policy at age 25, your premiums will increase at age 30, 35, 40, and so on. 

How much TruStage costs for healthy non-smokers:

The table below shows TruStage’s monthly rates by age and gender for healthy non-smokers purchasing 20-year term policies.

AgeGender$300,000 in coverage

Company background: TruStage was created in 2023 after CUNA Mutual Group rebranded itself and over a dozen financial products under the one TruStage brand. However, CUNA — which originally stood for “Credit Union National Association” — has been around since 1935 and used to focus their services on credit union customers. 

Interesting tidbit: CMFG Ventures, the company’s venture capital arm, has a fund that invests in startups with diverse founding teams. Launched in 2021 and called the Discovery Fund, it has invested over $6.5 million in 17 companies led by women, BIPOC or LGBTQ founders.

About TruStage

  • Company address: 5910 Mineral Point Road, Madison WI 53705
  • Company website:
  • Company email: Contact company online through website
  • Company phone: 855-591-9026


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