TrustAge Life Insurance: Is This Credit Union Benefit Worth It in 2026?

Last Updated: January 16, 2026

Quick Answer: TrustAge life insurance is a membership benefit program offered exclusively through credit unions, providing term and whole life insurance policies underwritten by CMFG Life Insurance Company. It’s designed for credit union members seeking affordable, straightforward coverage without medical exams for certain policies.

Disclaimer: This article provides general information about TrustAge life insurance and should not be considered personalized insurance advice. Insurance needs vary significantly based on individual circumstances, health status, and financial situations. Before purchasing any life insurance policy, consult with a licensed insurance professional who can assess your specific needs. Policy terms, pricing, and availability are subject to change. Always read policy documents carefully and ask questions about anything you don’t understand before committing to coverage.

What Is TrustAge Life Insurance?

Picture this: You’re sitting in your credit union, opening a new checking account, when the representative mentions something called Trustage Life Insurance. You nod politely, take the brochure, and think, “I’ll look at this later.” Well, later is now.

TrustAge isn’t your typical life insurance company that bombards you with TV commercials or highway billboards. Instead, it operates as a member benefit program available exclusively through participating credit unions across the United States. The insurance itself is underwritten by CMFG Life Insurance Company, which has been in the business since 1935.

Think of Trustage Insurance as the credit union world’s answer to life insurance—community-focused, member-oriented, and designed to keep things simple.

TrustAge Life Insurance Plans: What’s Actually Available?

Let’s break down what TrustAge life insurance plans actually offer without the insurance-speak that makes your eyes glaze over.

TrustAge Term Life Insurance

TrustAge term life insurance is the workhorse of their offerings. You choose a coverage period (typically 10, 20, or 30 years), pay your premium, and if something happens to you during that time, your beneficiaries receive the death benefit. Simple as that.

The coverage amounts range from $25,000 to $500,000, which means you can get enough to pay off a mortgage, cover your kids’ college expenses, or simply ensure your family doesn’t face financial hardship if you’re gone.

Here’s what makes it interesting: For smaller amounts (usually under $100,000), you might qualify for “simplified issue” policies—meaning no needles, no lab coats, just some health questions. For larger amounts, they’ll likely want a medical exam, but that’s standard across the industry.

Whole Life Insurance Options

The whole life option is where TrustAge life insurance gets practical for specific situations. These policies don’t expire as long as you keep paying premiums, and they build a small amount of cash value over time.

The coverage maxes out at $50,000, which honestly isn’t enough to replace your income for decades—but it’s perfect for covering funeral costs (which averaged $7,848 in 2024) and leaving a small inheritance without burdening your family with end-of-life expenses.

How Much Does TrustAge Life Insurance Actually Cost?

Let’s talk money—because TrustAge life insurance rates vary significantly based on age, health, coverage amount, and policy type.

Here’s a realistic snapshot based on 2024-2025 data:

Note: These are estimates. Your actual rates depend on health status, tobacco use, and specific underwriting.

If you’re comparison shopping (and you should be), TrustAge life insurance rates tend to be competitive with other simplified-issue policies but might run slightly higher than fully-underwritten policies from major insurers if you’re in excellent health.

TrustAge Life Insurance Reviews: What Are Real Members Saying?

Let’s cut through the marketing fluff and look at what actual TrustAge life insurance customer reviews reveal:

The Good Stuff

Convenience Factor: Members consistently praise the simplicity of signing up through their credit union. One reviewer noted, “I handled everything during my lunch break at the credit union—no separate appointments, no pushy salespeople.”

Customer Service: TrustAge life insurance customer service generally receives positive marks. The TrustAge life insurance telephone number (1-800-258-4344) connects you to representatives who actually understand the products and can answer questions without transferring you five times.

Straightforward Process: For smaller policies, the no-medical-exam approach wins fans. As one member put it, “I’m terrified of needles, so answering health questions online was perfect for me.”

The Not-So-Great Stuff

Limited Availability: You must be a credit union member, and not all credit unions participate. This frustrates potential customers who discover they’re ineligible.

Moderate Pricing: Reviews on TrustAge auto insurance and life insurance sometimes note that rates aren’t the absolute cheapest available—though they’re reasonable for the convenience offered.

Coverage Caps: The $500,000 maximum on term life and $50,000 on whole life won’t work for everyone. High earners or those with substantial financial obligations might need supplemental coverage elsewhere.

Is TrustAge Life Insurance Legit? The Trust Question

This is the million-dollar question (or in this case, the up-to-$500,000 question): Is TrustAge legit?

Short answer: Yes.

Longer answer: TrustAge operates as the marketing arm for CMFG Life Insurance Company, which holds an A (Excellent) rating from A.M. Best, the insurance industry’s most respected rating agency. They’ve been paying claims since 1935 without major scandals or solvency issues.

Is TrustAge life insurance a good company? Based on financial strength, longevity, and regulatory compliance—absolutely. They’re backed by the broader CUNA Mutual Group, which manages over $100 billion in assets.

However, “good company” and “right fit for you” are different questions. A financially solid insurer offering mediocre rates or limited options might not serve your needs as well as a comparably solid competitor with better pricing.

Pros and Cons of TrustAge Insurance: The Honest Breakdown

Advantages

Credit Union Integration: If you already bank with a participating credit union, bundling your financial services creates convenience. One-stop shopping for banking, loans, and insurance simplifies your financial life.

Simplified Underwriting: Many policies require only health questions rather than medical exams, making approval faster and less invasive.

Member-Focused Philosophy: Credit unions operate on a not-for-profit model, theoretically prioritizing member benefits over shareholder profits. This philosophy extends to TrustAge insurance products.

Bundling Opportunities: Some credit unions offer discounts when you combine life insurance with TrustAge auto insurance or TrustAge auto and home insurance.

Disadvantages

Limited Competition: Since you’re essentially limited to what your credit union offers, you can’t shop around different TrustAge life insurance plans the way you could with independent insurance marketplaces.

Membership Requirement: You must be a credit union member—and specifically a member of a participating credit union. This excludes a significant portion of potential customers.

Moderate Pricing: While not expensive, rates typically aren’t rock-bottom either. Super-healthy individuals in their 20s and 30s might find better deals with fully-underwritten policies from major carriers.

Coverage Limitations: The maximum coverage amounts won’t satisfy everyone’s needs, particularly high-income earners or those with substantial debt.

How to Get TrustAge Life Insurance: The Practical Steps

Getting TrustAge life coverage is refreshingly straightforward:

1. Confirm Credit Union Participation: Contact your credit union to verify they offer TrustAge products. Not all credit unions participate in every program.
2. Request a Quote: You can get a TrustAge life insurance quote either by visiting your credit union branch, calling the TrustAge life insurance number (1-800-258-4344), or checking if your credit union offers online quotes through their website.
3. Complete the Application: For simplified-issue policies, you’ll answer health questions. For larger amounts requiring medical underwriting, schedule an exam (usually conducted at your home or office by a mobile paramedical service).
4. Review and Sign: Read the policy documents carefully—especially exclusions and limitations. Ask questions about anything unclear.
5. Set Up Payment: Most members choose automatic deduction from their credit union account for the TrustAge payment, ensuring coverage never lapses due to a missed payment.

TrustAge Life Insurance Login and Account Management

Managing your policy through the TrustAge life insurance login portal is where modern convenience meets traditional insurance. Here’s what you can typically do online:

• View policy details and coverage amounts
• Make or schedule payments
• Update beneficiary information
• Download policy documents
• Submit claims (for certain policy types)
• Contact customer service

The digital experience isn’t as slick as some fintech apps, but it’s functional and secure—which matters more when you’re dealing with something as important as life insurance.

TruStage Contact Information

How to Cancel TrustAge Life Insurance (If You Need To)

Life changes, and sometimes how to cancel TrustAge life insurance becomes necessary. Maybe you got better coverage through an employer, your financial situation changed, or you’re consolidating policies.

The process:

1. Call Customer Service: Reach TrustAge life insurance customer service at 1-800-258-4344. Written requests are typically required, but starting with a phone call clarifies the process.
2. Submit Written Notice: Most insurance companies require cancellation requests in writing. Send it to the TrustAge life insurance address: TrustAge, P.O. Box 391784, Omaha, NE 68139-1784.
3. Confirm Effective Date: Ensure you understand when coverage ends and whether you’ll receive any refund for unused premiums (relevant for annual payments).
4. Get Written Confirmation: Don’t assume it’s done until you receive written confirmation that your policy is cancelled.

Important: Don’t cancel existing coverage until replacement coverage is in force. A gap in coverage could leave your family unprotected or make you uninsurable if health issues develop.

TrustAge Beyond Life Insurance: The Broader Picture

While we’re focused on life insurance, TrustAge offers several other products worth mentioning:

TrustAge Auto Insurance

TrustAge auto insurance provides coverage for credit union members, often with competitive rates. Members appreciate the convenience of bundling auto and life insurance through their credit union relationship.

TrustAge auto insurance reviews are generally positive, with members noting reasonable rates and responsive claims service. The TrustAge auto insurance for credit union members program operates similarly to the life insurance offering—exclusive access through participating credit unions.

TrustAge Home Insurance

TrustAge auto and home insurance reviews suggest that bundling these coverages can provide both convenience and modest discounts. Like their life insurance products, home and auto coverage emphasizes straightforward policies and member service over aggressive pricing.

For those wondering about best home insurance options, TrustAge competes reasonably well for standard properties, though high-value homes or those with unique features might require specialized carriers.

Is TrustAge Life Insurance Good for You?

Is TrustAge life insurance good? The answer depends entirely on your situation:

TrustAge Makes Sense If:

• You’re already a credit union member and value convenience
• You want simplified underwriting with minimal hassle
• You need basic coverage amounts ($500,000 or less)
• You prefer working with member-focused organizations
• You’re considering bundling multiple insurance types

Look Elsewhere If:

• You need coverage exceeding $500,000
• You’re in excellent health and want the absolute lowest rates
• You’re not a credit union member and don’t want to join one
• You prefer having multiple carriers compete for your business
• You want highly customizable policy options

The Bigger Picture: Life Insurance in 2026

Understanding TrustAge life insurance requires context about the broader life insurance landscape in 2026.

The industry continues evolving toward simplified underwriting, with many carriers now offering policies up to $1 million without medical exams for healthy applicants. Technology enables faster approvals—sometimes within hours rather than weeks.

TrustAge participates in these trends while maintaining its credit union-centric model. They’ve modernized their application process and digital tools while preserving the personal touch that credit union members value.

For comparison shoppers, it’s worth getting quotes from both TrustAge and at least 2-3 traditional carriers. Even if you ultimately choose TrustAge for convenience, knowing you’re getting competitive pricing provides peace of mind.

Conclusion: The TrustAge Verdict

TrustAge life insurance occupies a specific niche in the insurance market—serving credit union members who value straightforward products, simplified processes, and the credit union philosophy.

It’s neither the absolute cheapest option nor the most feature-rich. Instead, it offers solid, reliable coverage through a financially stable company, with the convenience of managing everything through your existing credit union relationship.

For many credit union members, that combination of reliability, convenience, and reasonable pricing hits the sweet spot. The key is approaching it with realistic expectations: this is good, serviceable insurance that won’t dazzle you with rock-bottom rates or innovative features, but will quietly protect your family when it matters most.

Before committing, request a TrustAge life insurance quote, compare it with at least two other carriers, and ensure the coverage amount and terms genuinely fit your family’s needs. Insurance is too important for impulse decisions—but it’s also too important to keep procrastinating.

Frequently Asked Questions

Q: What is the TrustAge life insurance telephone number?

A: You can reach TrustAge life insurance customer service at 1-800-258-4344. Representatives are available Monday through Friday during business hours to help with quotes, policy questions, and claims.

Q: Is TrustAge life insurance legitimate and financially stable?

A: Yes. TrustAge policies are underwritten by CMFG Life Insurance Company, which holds an A (Excellent) rating from A.M. Best and has operated since 1935. They’re backed by CUNA Mutual Group’s substantial financial resources.

Q: Can I get TrustAge life insurance if I’m not a credit union member?

A: No. TrustAge insurance is exclusively available to members of participating credit unions. You’ll need to join a credit union that offers TrustAge products before applying for coverage.

Q: How do I pay my TrustAge life insurance bill?

A: Most members set up automatic payments through their credit union account. You can also make payments online through the TrustAge life insurance login portal, by phone, or by mailing a check to the TrustAge payment address.

Q: What’s the difference between TrustAge term and whole life insurance?

A: Term life insurance provides coverage for a specific period (10, 20, or 30 years) with higher coverage amounts ($25,000-$500,000) at lower premiums. Whole life insurance covers you for your entire life, builds cash value, but offers lower coverage amounts ($5,000-$50,000) at higher premiums.

Q: Are TrustAge life insurance rates competitive with other companies?

A: TrustAge rates are generally competitive for simplified-issue policies but may run slightly higher than fully-underwritten policies from major carriers if you’re in excellent health. The convenience factor and credit union integration often offset modest price differences for members.

Q: How long does it take to get approved for TrustAge life insurance?

A: For simplified-issue policies (usually under $100,000), approval can happen within a few days. Larger policies requiring medical exams typically take 2-4 weeks, depending on how quickly you complete the exam and the underwriting complexity.

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