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CUNA Mutual Review

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UPDATED: Nov 30, 2018

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CUNA Mutual
Financial Strength

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CUNA Mutual Group is a financial company offering products specifically to cooperatives and credit unions, and to their members. They have a range of products, from retirement plans and life insurance to home insuranceauto insurance, and supplemental health insurance.

About CUNA Mutual

CUNA stands for Credit Union National Association, and the company was founded in 1935 in Madison, Wisconsin. They serve more than 95% of the credit unions across the United States offering services and products for both staff and members.

CUNA’s insurance brand is called TruStage, and through it, the company offers auto, home, life, and supplemental health insurance coverage. To apply for CUNA insurance, you must be a member of an associated credit union.

The website is very much geared towards credit unions directly and not individuals, and indicates that products are sold through credit unions rather than agents, brokers, or directly online. The website does not make it convenient to reach the individual website for their actual insurance products, which is completely separate.

You can read our TruStage review in full here.

CUNA Insurance Products

The CUNA website offers very little information regarding their products, reinforcing the impression that it is not a resource for customers.

They list life, auto & home, accidental death & dismemberment, and health insurance all as products they offer, however, the product sheets do not provide further information about plan offerings or options.

Everything on the insurance program page is focused on marketing to the credit unions themselves, rather than providing actual information. After some searching, we moved onto the TruStage website, which is completely separate from the CUNA site.

This site lists each of the products offered and encourages credit union members to call a toll-free number for more information. The only section with more information is life insurance, but this is still limited.

This site also makes it clear that many of CUNA’s products are actually offered through other companies. Auto insurance, for example, redirects to the Esurance website.


The only online quoting for CUNA is for a simplified issue term life insurance policy. A $100,000 policy for a 30-year-old in California came out to $42.50 a month. We have seen similar policies offered at a fraction of this amount.

We were unable to obtain any other rates for CUNA, although they promise large savings – for example, they estimate an average of $509 in savings for their auto and home program.

Unfortunately, without numbers, we are unable to speak as to the accuracy of this claim.


We were unable to find any information on claims on the TruStage website. Since many of their products actually appear to be underwritten and issued by other companies, it is likely that claims are handled by those companies and not by CUNA or TruStage.

Ratings and Consumer Reviews

CUNA Mutual Life has an A+ rating with the Better Business Bureau (BBB), and there are no complaints or reviews on file in the past three years. This is likely in part due to the fact that they sell mainly through credit unions and not directly to customers. The brand name TruStage is the name most customers are more likely to know.

Confirming that guess, the TruStage BBB file does have 25 complaints in the past three years, and an A+ rating as well.

There is one review for CUNA listed on Pissed Consumer, however, it does not refer to insurance; this complaint is about financial products.

The Bottom Line

Customers are most likely to come to CUNA Mutual/TruStage through their credit union. The service is really more of an agency than it is an insurance company, and what little information we were able to obtain did not indicate the kind of cost savings CUNA promises. That said, if your credit union offers a quote, it might be worth a look, as affinity discounts with companies like Esurance can make a difference.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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CUNA Mutual
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Would you recommend CUNA as a retirement strategy employing the hybrid mutual fund?

  2. I have been sending a monthly payment to Cuna Mutual Insurance.

    DeAnn Huffman send me a letter stating my insurance lapses and they return my money back which is a lie.

    I pay from December 2018 thru Aug 2019 I sent a letter in Aug and just got it return back to me a month later.

    I assume they saw my return address and didn’t want to respond back to me.

    I want all my money back and I will not ever deal with these online fake fraud scammer insurance company again.

    I learned a lesson from it and they take advantage of the elders.

    They need to be investigated as soon as possible.

  3. I would never recommend this company for Insurance save your money.

    Unfortunately, My mom did not know this at the time.
    My mom passed away and seriously no one calls you back.

    Brenda Roberts was over the claim she never called back and then she left. Grant gets the claim and guesses what he never called back.

    Sends out Generic A@$ letters.



  4. The Cuna plan offered by my credit union was the gold plan since I have 80,000 miles on my car and the cost is $1084.00 for 3 years. That’s like $364 a year. Money well spent in my opinion. One major repair in the 3 year period and it has paid for itself. Since I’m on a fixed income. This insurance is beneficial to me. My deductible is only $100.

    • CUNA f@#%! you over wait till you need to use it you will be f@#%&!


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