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TruStage Life Insurance Review

TruStage specializes in small life insurance plans with no medical exams required. Read our TruStage life insurance review to learn more about the company and the types of policies they sell, their financial strength ratings and customer service reviews.

Please note: does not sell life insurance policies from Brighthouse. To learn about life insurance policies available where you live and to compare options from other life insurance companies that offer coverage in your area, call to chat with a licensed insurance agent or request a free online plan quote today.

Is TruStage a Real Insurance Company?

Yes, TruStage is a real insurance company that is headquartered in Madison, WI, and claims more than 20 million customers. In fact, TruStage was founded in 1935. 

TruStage partners with more than 3,500 credit unions nationwide to provide its coverage.

Where Is TruStage Life Insurance Sold?

TruStage is licensed to sell its life insurance products in every state, although not every policy may be available everywhere. Certain coverage limitations may also differ by state. 

What Kind of Life Insurance Does TruStage Sell?

TruStage sells three types of life insurance: term life, whole life and guaranteed acceptance whole life

TruStage Term Life Insurance

TruStage term life insurance option offers between $5,000 and $300,000 in death benefits, and your coverage never decreases. No medical exam is required, and you can apply online in just minutes. 

What’s unique about TruStage term life insurance is that instead of choosing a term length, the coverage remains in place until you reach age 80, and the policy can be canceled at any time. Plus, you can convert your term life policy to a whole life insurance plan along the way. 

TruStage Whole Life Insurance

Whole life policies from TruStage are available up to $100,000 in coverage for applicants up to age 85. No medical exam is needed, and the policy builds a cash value that can be borrowed against. 

TruStage Guaranteed Acceptance Whole Life Insurance

This policy is like the company’s standard whole life option but contains no health questions and is good for up to $25,000 in coverage for applicants ages 45 to 80. As the name suggests, acceptance is guaranteed. 

Does TruStage Sell Any Riders?

TruStage does not sell any riders that may be used to customize a policy to fit certain needs or bolster coverage. 

How Much Does TruStage Life Insurance Cost?

As with life insurance from any company, costs can depend on a variety of factors like age, gender and location.

  • With TruStage term life insurance plans, premiums will increase every five years beginning at age 30.

  • With the company’s whole life and guaranteed whole life policies, premiums remain fixed for the duration of the coverage.  

Below are some examples of term life premiums using TruStage online quote tool to give you an idea of how much you might expect to pay for a plan. Please note that these are example rates, and they may not reflect the availability or costs of life insurance policies available where you live.

TruStage term life insurance costs:

Age Gender Coverage Monthly Premium

















When Does TruStage Pay Out?

TruStage pays out death benefits quickly. The company claims to process claims in 3-5 days after all claim information has been received. The money is then sent by mail.

This is slightly faster than the two-to-eight-week time period that is standard for the industry. 

According to TruStage, the company paid out 66% of its claims in 10 days or less in 2019. 

Does TruStage Have a Waiting Period?

One of the attractive features of TruStage life insurance is that there is no waiting period. That means your coverage begins immediately once your first premium has been received. 

How Is TruStage Customer Service?

TruStage offers support by phone, online contact form, mail and even fax. 

The NAIC tracks customer complaints through its Complaint Index Report, which finds TruStage fields a lower-than-average rate of complaints from its customers. 

Customer review website Trustpilot lists TruStage with a rating of 4.7 stars out of five based on more than 5,000 reviews.

TruStage is not accredited by the Better Business Bureau, but has a B rating with very few complaints.

Does TruStage Have Good Financial Ratings?

TruStage maintains an A rating from A.M. Best, signaling strong financial standing and confidence in the ability to pay out claims.

Is TruStage a Good Company For You?

You can compare life insurance policies from other companies to find out what the best coverage options available where you live might include. Chat with a licensed insurance agent today to compare policies from other life insurance companies and find a plan that fits your needs.


Based on your answers, you should consider

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in life insurance coverage.

To confirm this amount or ask questions before making a purchasing decision, you should speak with a licensed insurance agent.

Call 1-855-303-4640 to speak with a licensed agent today.

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