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TruStage Insurance Review

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UPDATED: Mar 18, 2020

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TruStage offers a range of insurance products, mainly to members of credit unions across the country. They are part of CUNA Mutual Group and provide access to a variety of personal insurance products.

About TruStage

TruStage is the brand name of a credit union-focused insurance program from CUNA Mutual Insurance. CUNA traces its roots back to 1935 when credit unions were first formed to help average Americans with finances. The insurance branch was created to provide additional financial solutions that were previously out of the reach of the general public, such as life insurance.

While TruStage is generally marketed through credit unions, their policies are actually available to anyone; credit union membership is not required, but the site does push visitors to consider joining one.

TruStage is a brand and an agency service rather than an insurer. The company operates as a subsidiary of CMFG Life, which underwrites their products, and partners with other insurance companies to provide products they do not underwrite directly. Auto insurance is offered through both Esurance and Liberty Mutual, and home insurance through the latter. The company also partners with GoHealth to help customers shop for health insurance. Life insurance and AD&D coverage are both underwritten by CMFG.

The company’s headquarters is located in Madison, Wisconsin, and they also have branch offices in Waverly, Iowa and Fort Worth, Texas. Policies are sold directly through representatives over the phone.

TruStage Products

As mentioned above, auto and home insurance products through TruStage are underwritten by Esurance and Liberty Mutual, and as these products have been covered in our reviews of those companies, we will not describe them here. This review will focus on the products that are underwritten by TruStage’s parent company, CMFG Life.

Life Insurance

TruStage offers both term life insurance and whole life insurance, including a guaranteed acceptance life program. All of the policies are a simplified issue program with no medical exams required.

Term life is available with death benefit amounts starting at $5,000 and going up to $300,000. Issue age is between 18 and 69.

The policy is renewable up to age 80 and is priced based on age bands that are five years each (25, 30, 35, 40, etc.) When the insured hits a new age band, the premium goes up accordingly. Changes to health status do not affect the premiums as long as the policy is kept in force.

Whole life is available death benefit amounts ranging from $1,000 up to $100,000. Issue age is between 18 and 85. This is a traditional whole life policy with a guaranteed death benefit as well as a cash accumulation account, and level premiums for the duration of the policy.

There is also a guaranteed acceptance version of the whole life that requires no medical questions at all. Because of this, the death benefit amounts available are lower, between $1,000 and $25,000, making this a likely choice for a final expenses plan. This plan can be issued between 45 and 80 years old, and again the premium is level for the duration of the policy as long as premiums are paid.

AD&D

The TruStage AD&D policy is available at no cost from participating credit union members, which may choose to offer their members between $1,000 and $5,000 in coverage as a benefit of membership.

Those whose credit unions do not offer any coverage can still purchase the product, and those who do have base coverage at no cost can add on additional coverage to increase the benefits. Every two years the benefit increases by 5% at no additional cost, and the premium stays the same over the years. The maximum coverage available is $300,000.

There are no health questions for this product and acceptance is guaranteed – this makes sense since AD&D only pays out for accidents and not on illnesses.

It is highly likely that accepting the free coverage through your credit union will result in solicitation attempts as TruStage looks to sell you a higher level of coverage as well as other products.

Rates

TruStage makes it very easy to determine how much your coverage will cost, with online quoting as well as a rate chart available for the term life product.

We ran a quote for a 30-year-old male for term life insurance. Our rate quote came back at $42.50 a month for $100,000 in coverage, which matches the rate shown in the chart for that age band.

This is a pretty expensive quote, even considering that the coverage is simplified issue with no medical exam. It is also important to take a look at the chart and see how the coverage increases in cost over time. By the age of 50, after 20 years of coverage, this policy will cost the same person $114.50.

By comparison, we ran a whole life quote for the same amount and the same death benefit and came back with a rate of $83.00. That is lower, but it should be noted that this premium stays the same for the duration while the term starts lower. It is important to look at how long you want the coverage to last and how much you’ll pay over the duration of coverage. If you are looking for coverage to last into your senior years, whole will probably cost less in the long run.

We also looked at the guaranteed acceptance life, bumping our sample age up to 45 to meet the minimum issue age. A policy with $10,000 in coverage came back at $50.00 a month.

All of these rates are higher than what we have seen elsewhere for similar coverage, even with simplified or guaranteed issue options. It is also worth noting that the company does charge a tobacco use surcharge on term policies with a face value above $100,000.

Claims

Claims can be filed Monday through Friday 7:00 a.m. to 7:00 p.m. by calling the toll-free number found in the claims FAQ section of the website. An email address and mailing address are also provided.

Claims are handled through CUNA Mutual Group, of which parent company and underwriter CMFG is a part. As an agency and consumer-facing brand, TruStage itself does not administer policies or handle claims.

After all documentation is received, the insured can expect the settlement to be send via check within 1-3 business days. That is a quick turnaround time if accurate; of course, contestable claims will take longer to review.

Ratings and Consumer Reviews

TruStage has an A+ rating with the Better Business Bureau (BBB), with 18 complaints on file and nine reviews left on the page for an overall rating of just under two stars. There are several people who appear to believe that the AD&D coverage offered through TruStage and their credit union is a scam, and were not happy the credit union shared their contact information. A few complaints address billing and claims issues.

We also looked at the CMFG Life Insurance BBB page, which also shows an A+ rating. There are 28 complaints filed here, and two reviews. Both are negative and are in regards to billing.

TruStage has an incredible 811 reviews on Google with an overall 4.8-star rating. This is remarkable given the fact that we have seen larger and better-known insurers with a fraction of this number of reviews. A scroll through the comments shows a lot of people remarking on the ease of application but little in the way of experience with claims.

The Bottom Line

TruStage markets through credit unions, which is how most people are likely to find them, and draws customers in with the free basic AD&D offer after which they will attempt to upsell to more coverage. Their policies are pricey based on what we have seen for similar coverage elsewhere. They do have a remarkable reputation based on the Google reviews, however, so if you prefer to pay a little more for a reputable company, they might be worth a closer look.

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

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Review Information

Summary
Review Date
Reviewed
TruStage Insurance
Author Rating
31star1star1stargraygray

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.

75 Comments

  1. Has anyone gotten the insurance and canceled after the 30-day penalty-free period?

    Any idea if/what the cancelation fee is? Nothing in contract or online. I got laid off last month.

    Trying to cut out all extra expenses. And after reading all of these reviews, I’m pretty freaked out.

    I also thought they were somehow affiliated with my credit union.

    They’re just slapping on bank titles to sell stuff? Crazy.

    Anyway, if anyone has any experience with this I would appreciate the help.

    I don’t want to pay to cancel something I pay for and have no benefits from.

    Reply
  2. I’m currently dealing with them on a claim.

    father passed this is the company who had his life insurance thru.

    So far it has been well slow…he passed away May 9th, 2019; its July 15th 2019 no payout yet.

    not one phone call made to me; I have made the call every 2 weeks to keep tabs on it.

    they are pretty slow with acquiring the information they need; I sent them everything needed in under an hr of them emailing me the proper forms to fill out

    upon my request at that as well … and the person waited almost 2 weeks to request my father’s medical records because he passed a few weeks b4 the 2 years was up.

    they have no idea that I knew his dr and found out when they claimed they were waiting 2 weeks for his records it was in all reality them taking two weeks to request them…

    here I am just about 2 weeks later from that claim check pross.

    I will be calling this week to check the pross on the claim and keep you updated…since nobody anyplace has ever rated them on a claim pay our for death.

    apparently, that’s the only thing you can not find on google is people who have honestly dealt with them as a beneficiary trying to get a payout.

    Reply
    • Unfortunately, companies like this come along and offer cheaper rates and when you die it takes 6-8 weeks for a payout.

      And you still don’t know if you will be paying the funeral bill.

      Hopefully, everything works out.

      Reply
      • Hi did you ever get a response back?

        Reply
        • yes they paid within 60 days of the claim being submitted.

          Reply
  3. Has anyone actually received payment from Trustage?

    I recently signed my husband up for $10,000 policy now I’m second guessing

    Reply
  4. What happens when death results from suicide after 2 years of coverage? Asking for a friend.

    Reply
  5. Sounds to me like I’d be better off to save for my own funeral.

    Reply
    • That’s an option.

      However, there’s something to consider when thinking about buying life insurance from any carrier…

      It’s 100% certain that everyone will die. The question is when.

      Reply
  6. Should I sign up for the free $1,000 no cost to me policy and be done? Or completely steer clear? I already have a term life policy in place from a reputable company in place.

    Reply
  7. I have a TruStage Essential Whole life insurance policy through SJFCU, that I have had since May 28, 2015. After reading your post, and all of the comments. I think I should consider canceling my policy, but what may be the outcome, if I cancel after all the money I paid over the years? I pay $50.72 each month and for the past three years and five months, that is a total of $2,079.52. I have no idea of what would be the best decision to make.

    Please help, if you can!

    Reply
  8. Credit union IS entitled to compensation from TRUSTAGE, according to my mailer/pamphlet. Also it is not sold or guaranteed by your credit union.

    Reply
    • I have been getting piles of garbage mail from TruStage insurance. They put Hudson river credit union in the return mail area of the envelope… very deceptive. Sad Hudson river is selling customers info to these deceptive insurance companies.

      Reply
  9. I just saw Trustage advertisement and it’s not true they ask health questions. An agent called and asked questions and said I would be contacted I receive a letter saying because of my diabetes and over health issue I could not get life insurance from this company. You will not be turned down is not true!!!

    Reply
    • TruStage offers products with and without health questions. If you’re looking for the insurance that does not have health questions, it’s called guaranteed acceptance whole life. You can not be turned down for that product.

      Reply
  10. I’m so glad I read these reviews before giving this company my information. Thanx, everyone!!

    Reply
  11. Liberty Mutual is no good. When their client opened his car door and slammed it into the side of my van, and I requested only $100 for the damage, they fought it in small claims court and had several people show up in court, at least that alone made them pay more than the $100. They stink.

    Reply
  12. There seems to be a lot of negative feelings about the life insurance. What they offer is a lot more reasonable than Colonial Penn, and, contrary to assertions, they do pay death benefits in a timely manner. It’s a simple basic policy and I see no problems with it, and I have experience in the insurance field.

    Reply
  13. Thanks for the prior posts. I moved back to Michigan and found out Liberty doesn’t do auto insurance that would be valid for driving in Michigan. The letter says it is underwritten by Liberty and for Michigan driver. Some insurance companies don’t want the required medical coverage without a cap for drivers that Michigan requires to register your vehicle (at least that was the law less than a year ago).

    Reply
  14. MY NAME IS LEROY AND I LEARNED OF TRUSTAGE ON TV AND I DECIDED TO CHECK FOR ANY COMPLAINTS ON THEM. AFTER READING REVIEWS I DON’T FEEL I CAN TAKE A CHANCE OF GIVING MY MONEY FOR YEARS TO LATER FIND OUT THERE’S A PROBLEM WITH GETTING MY MONEY WHEN I DIE. I PASS ON THIS COMPANY.

    Reply
  15. Does anyone know how much the Credit Union receives for the mailing list? Is the Credit Union paid when a policy is purchased? Are payments made to the Credit Union or can they be made to an individual employee of a Credit Union?

    I am still looking for this information on the net. Experienced individuals with information could be helpful.

    Reply
  16. I keep getting letters from these guys and they make it look like the letter is from my bank. This is extremely deceiving to those who do not read the small print. Everything about this document is trying to trick the person receiving it into thinking this is something they have to reply to because it involves their bank. This kind of business practice makes me upset not only with TruStage but with my bank for allowing this sort of thing to materialize.

    I am sick of throwing these unopened letters into the garbage bin every two weeks. I decided to use the only method available to stop receiving these letters, a specific number that lets you sit on hold for who knows how long, I hung up after 10 minutes. I feel like scanning the paperwork they sent me and sending it around social media so people can understand just how predatory their current tactics are.

    Reply
    • I agree with you Mike. I felt deceived as well thinking that it came from my bank. I’m writing them a letter to stop the solicitations and to stop sharing my info with their marketing partners.

      Reply
      • Send their documentation back to them in the enclosed envelope they provide!!

        Reply
    • Got a letter from them using my credit unions name…

      Yes, I’m mad my credit union giving out my name and address…so I read it.

      Then went on the internet. This company is not B.B.B. accredited.called my credit union and they say they know nothing about this company…

      LLC doesn’t mean anything…found you can buy that online for $5.00 to put on any business…

      Question: what the heck is, B.B.B., consumer protection, FTC and others are doing about this scams.

      So far what I can see is Nothing…so tired of getting this crap every couple of weeks in the mail….

      and most of the good reviews..trust are Fake…

      Reply
  17. Has anyone received a payout from this company? I see lots of comments about the company just collecting money. Also, will it cover for just a single member, that does not have a spouse but would like to put a family member(sister/brother)? Want to make sure family is taken care of before I make a decision.

    Reply
  18. Just was looking over the offer for insurance. Lacking lots of information. Main information I was looking for was how soon does the policy start. And what agent can I speak with for future reference? I need more than just a face letter. Think I will pass.

    Reply
    • You can find more information on this insurer, including contact phone #s, at Trustage.com.

      Reply
  19. Hello, I got whole life insurance through TruStage. $61 for 21,000..should I be worried?

    Reply
    • Unfortunately, it will be your beneficiaries who will have to answer that (did they get paid) ???

      Reply
  20. I received advertising telling me I’d save over $500 on my car insurance so called them and wasted 15 minutes while they prepared a quote that was actually $500 MORE. LOL! What a waste of time. Not even close. Save yourself the time.

    Reply
  21. They just gave me the wrong pay date as I checked my online status in my account. I wasn’t supposed to start paying until next month. They have it for this month which is totally out of the question, as I explained to them. Also, they put me down for the wrong address, as I repeated it to her I don’t know how many times. Amongst also telling her I’m hard of hearing and some things I wasn’t quite understanding. I have opted out on the website that I want to cancel this. It won’t let me put my phone number in and says this customer is required to call the company during business hours. I was able to push my pay date up to the end of the month on the website. That buys me time to get rid of them at least. I am really worried now. Especially about I am 67 and will lose everything when I turn 80 that I paid into it if I’m still alive. After all those comments I’ve read, and living on a fixed income, I’m really worried and scared about this. Handing it over to God to get this out of my way. Thank you for all your comments they really helped. I pray you will all get them straightened out and your problems.

    Reply
  22. Oh crud! I just signed up with them for 10,000 life insurance. Now…how do I cancel out. They got my bank info and date set up next month for first payment! Help?

    Reply
    • You have a 30 day “free look” period for new life insurance policies. You can cancel in that 30 days and all money will be refunded.

      Reply
    • Tell your bank you want to cancel and block the payments to that company. They will be happy to do so and if the company takes your money your bank will be able to get it back and refund/credit your account.

      Reply
  23. A lot of comments but I don’t see where anyone actually received a payout on a claim. A bunch of bad reviews. Glad I checked this out! I’ll stick to USAA.
    This sounds like another scam.

    Reply
  24. This company is horrible had AD&D insurance since 1998, this company took it over in 2010 and changed the whole policy without my consent. They never even notified me or sent me a policy, they just kept taking the payment out of my account. A total rip off. Please don’t fall for this company, when you call them all they do is give you double talk

    Reply
    • Wow, was about to sign up, but I said let me see if the company has any complaints, and wow reading all the comments are showing or telling me to pass on this company. I will research another company for insurance.

      Reply
      • Me too Lori and Teresa… I keep seeing the commercial’s on T.V and thought “Hey this sound’s amazing!”
        My parents are on a very very limited income (my dad is in a memory-care unit for dementia and just moved my mom to a 1 bdrm apt to cut living costs) and also wanted to check for myself as I don’t want to leave my 6 children the burden of funeral costs when I pass away…
        I think I’ll stick with Global Life or keep looking… Because the last 45 minutes that I’ve been on here looking into this company and all the reviews by everyone honestly sounds like they only take your money and won’t pay out…

        Reply
  25. I had the form filled out and opted for the Family option. Just before I was about to sign my gut feeling was to look up True Stage for reviews and glad I did. Most if not all of them did not give me the warm and fuzzy to give True Stage the green light. I am coming up on retirement and need to look elsewhere. Thanks for all the eye-opening reviews.

    Reply
  26. Wow, so glad for reviews. 2nd tyme i saw their commercial and had a few minutes to check it out. The 1st thing I do is check the reviews …..glad I came across these reviews…..passing this company up…..trustage scam alert…..

    Reply
    • What is the headquarter number u can call n speak to someone. I been having issue of them taking double payments on my policy I call already several time speak with supervisor. They told me they process a refund 2 weeks and still haven’t received it

      Reply
  27. I get a monthly mailing from TruStage hidden in an envelope with a return address of my credit union and a bold capital letters message in red ink that states “YOUR IMMEDIATE ATTENTION REQUIRED” which makes me think my credit union has dire news for me. Nowhere on the envelope does it say TruStage. Very deceptive and worse because my credit union has given them my name, address and date of birth. My credit union tells me that because they belong to CUNA Mutual, they give TruStage my personal information as a benefit to me. I don’t feel the benefit at all.

    Reply
    • Hi ! Annabel .. this is Lester (I commented in Feb. 2017 – below you). Very bad on-going feelings about .. TruStage. I get the feeling that somehow the .. credit unions .. are each hooked up (have a stake in TruStage – sharing in the profits) ? The rates are very good (mother always said, “if it sounds to good to be true .. it probably is”). I called my .. credit union .. to ask what TruStage’s rating was and did any of their customers ..”not’ .. receive their cash benefits when they passed ? The lady I spoke with said, “let me get back to you” ! After a week .. I called back (never got a call-back) and the lady said, “we have not been able to find that info. out” ! That was it !!! The credit Union .. should be responsible .. for who they allow to have all of our info. (like you Annabel stated in your comment). TruStage .. is just to .. “Shady” .. to deal with ! Will my family get paid if I pass (natural / accident) ??? Best to pay more for a policy from a reputable insurance co. (there are many) then to .. “Gamble” .. with something so .. “IMPORTANT AS THIS” !!!

      Reply
  28. CAN I CASH OUT OR BORROW AGAINST MY AD&D POLICY OF TEN YEARS.

    Reply
    • No. An AD&D policy does not have cash value.

      Reply
  29. Thank ALL of you so very much for EXTREMELY HELPFUL and insightful comments, about your experiences with this company as if I’m not mistaken, I would have sworn these folks were under ‘another name’ before this one??
    Really wish they’d do better research on the company’s “before” choosing them for their workers. Will now move on to one I know is more reliable, thanks again to ALL who wrote it HELPED more than you realize.

    Reply
  30. I was just considering switching my car insurance only! But now Leary of them paying out if anything were to happen.

    Reply
    • Tru-stage only sells life insurance, not auto. They partner with Liberty Mutual for home, renters, and auto

      Reply
  31. I have found that customer service representatives give different information each time I speak to them on the phone. The cost of the insurance is not worth the cash out value at all. They are slow to respond and their forms are mailed through US mail and take 7-10 working days. No email service provided. I would suggest that there are more efficient companies to work with.

    Reply
  32. Extremely confused about cancelling my 2 policies from buying my truck and still making payments. I was manipulated into taking out a policy on myself, but the truck would be paid off if something happened to me anyway!!! But it looked like it could be paid off under my husband since he was older and I don’t make as much as he does.

    Reply
  33. Is borrowing against the Tru Stage/CFMG AD&D and/or life insurance policy available? Have tried to ask but cannot get a sensible answer other than no and I don’t think so, check your policy. Do not have my original policy for either.

    Reply
  34. They write policies through Liberty Mutual now. (2017)

    Reply
  35. I recently purchased a whole life policy from these guys. I am now debating on if that was a good idea. This insurance thing has my brain in scrambles. Please help me determine if I should stay or go. I have about 10 days to decide. I can email you the documentation if you like? I would really appreciate help. I am try to determine some way to help if I die or if not have some cushion for when I am old.

    Reply
    • Hi JJ,

      I would recommend finding a local FEE-BASED financial planner and have them take a look. They can get a picture of your entire financial situation and see how this particular life insurance policy would fit into the mix.

      Best,
      Eric Stauffer

      Reply
  36. I get this in the mail also. Divide the benefit amount by the monthly premium to find how many months til premiums equal benefits.

    For the lowest age group a 47 year old paying $47.72 a month for $10,000 in coverage, i will have paid in that $10,000 in 209 months or around 17.5 years. That is age 64 for me and after that i will pay more than I receive. Also,that is when i would be more likely to use it.

    Reply
  37. I had Trusage insurance and just canceled it. Every-time I call to ask a question, not only do I have to answer about 100 qualifying questions to prove my identity, but then I am transferred and have to repeat it all again. Not only do I have to answer qualifying questions and am transferred and have to repeat it again, but I am told different information by each person i talk to. And then when I finally found someone that sounded like they really knew what they were talking about, their computer froze and we could not move forward with the reason for my call. So I had to call again and again and deal with the same all over again. Finally I got fed up and canceled the entire policy. My husband and I decided to go with a larger, more known company, one that is probably more legitimate.

    My thinking is, if I am going through all of this just trying to get policy information, what will my family have to go through trying to receive the benefits of my having the policy. My advice to Trusage is to get everybody on the same page and giving out the same information, and also to equip. each agent with more training so that the client does not have to be transferred so much within the realm of one call regarding each different question. I tried to give Trusage a chance, I was attracted to the fact that they were a small company and would therefore be less hassle, but it was quite the opposite, they ended up being more bothersome than the time I had to deal with it. To those who are thinking about using their services, just make sure you have at least some prior general knowledge about insurance, and in addition, make sure that you have plenty of time available when you call. There is no such thing as a quick call with this company.

    Reply
    • thank you! i was just planning on going with them but you are correct if they give you the run around on questions what will they do to my family if im gone!

      Reply
      • So, there is a catch then! I appreciate the info. This saves me a whole lot of time making my decision. I WON’T JOIN THIS CRAPPY INSURANCE COMPANY.

        Reply
        • Thank you, your comments help me decide that this is not the company for me!

          Reply
    • Yeah, that’s what we thought; as the saying goes, “If it sounds too good and simple to be true, it’s a scam to %!$× you out of your money”.

      Reply
      • Thanx

        Reply
    • Thank you for your posts. I am glad to see that someone spoke about this company. I will not be doing any business with this company

      Reply
  38. my husband is a credit union member and we keep getting this for life. i have read what they pay for death, but I want to knowthe instances if he falls off a ladder and dies, if hes riding his motorcycle and dies, heart attack, car accident, if a car accident hes lost a hand and also dies, if hes just out in the yard, and he drops over dead, all the odd stuff. And family, if the wife has some issues and would be on disability and dies, not related to any issues say heart attack are they going to say it was issues that caused the attack? even if death cert says heart attack.

    Reply
    • Do you have a copy of the full contract? Because I was going to send the one they send to me (I’m a member also) but it hasn’t come in yet. The way the language reads, it seemed like they only paid out for natural causes and what with how predatory some of these insurance agencies are, I could see “natural causes” not qualifying as any event (like, a heart attack is not natural causes, nor is a car accident, illness is not natural causes).

      If you could send the writer that contract, he could take a look at it. I’m very wary of these insurance companies offering “free insurance” after my wife’s mother just got robbed of most of her life savings by one of these companies. Our attitude is unless we can get solid confirmation they’re not crooks, we’re better off just saving what money we can rather than having one of us die only to find out we wasted thousands of dollars paying for scam insurance.

      Reply
  39. I secured a policy from Trustage through my credit union as an alternative to a policy I was paying 100% more for about 1/64th the coverage. After reading the policy, I find the exclusions to be reasonable for an Accidental Death/Dismemberment policy.

    Reply
  40. I’m a member of a credit union (AFCU) and Trustage mails to us regularly. The one time I looked at the Trustage life insurance policy exemptions listed for payout to beneficiary (about 4 years ago) the life insurance plan appeared to me to be a bit dodgy, essentially listing numerous justifications for non-payment that made me question if there was any justifiable way they’d ever pay out (which is why I gave it a pass).

    That was 4 years ago. We get mailing from them almost monthly, and they’re always designed to look like important documents coming directly from the credit union. Their mailing strategy is VERY aggressive. Practically every month for 4 years.

    I’m a bit fed up with the whole thing and decided to look into it when I found your post. If you’d like, I can send you a copy of what they’re offering and you can do an evaluation of the plan (there’s a 1k teaser insurance plan for free, which is supposed to entice you to purchase insurance at a greater rate).

    Would you be open to that?

    Reply
      • Sure thing. I’m waiting for the next full package with the contract details. But I can call and ask for them to send it early.

        Reply
    • YES ! i AM LEARY OF TRUSTAGE LIFE INS. ! ON THEIR APPLICATION THEY ASK FOR THE COMPANIES NAME OF YOUR EXISTING POLICY (IF YOU HAVE ONE) AND YOUR POLICY NUMBER. WHY DO THEY NEED YOUR PERSONAL POLICY NUMBER ??? AND IN THE SMALL PRINT IT STATES THAT .. WITHIN THE FIRST TWO YEARS BENEFITS MAY BE DENIED IF YOU FAILED TO GIVE TRUE AND .. “COMPLETE ANSWERS” !!! SO IF I DO NOT ANSWER COMPLETELY (IN THEIR VIEW) MY POLICY WILL NOT PAY ? AND IF YOU GO FOR THE .. ACCIDENT ONLY POLICY .. IF YOU DIE IN AN ACCIDENT THEY MAKE SURE THAT YOU WERE NOT THE CAUSE OF A POTENTIAL ACCIDENT (YOUR FAULT) CAR OR OTHER. AND THEY HAVE THE RIGHT TO REQUEST AN .. “AUTOPSY” .. IN THEIR OWN STATE (EVEN IF ONE WAS ALREADY DONE LOCALLY). AND IF YOU DO NOT AGREE WITH IT .. “NO PAY-OUT” !!! ALSO .. IF I WAS GOING TO RUN A SCAM .. WHAT A GREAT ONE THIS WOULD BE ! MONEY COMING IN FROM ALL OVER (PREMIUMS) WITH LITTLE PAY-OUT FROM TRUSTAGE !

      Reply
      • A request for company name and policy number is a state requirement. It is basically to give the current company a chance to retain their customer.

        Also, a two year contestability period is standard among life insurance contracts.

        Reply
  41. My apologies are forefront, for sounding arrogantly negative, which is not my intention. After using a tool that I’m passionate for, which is Google, I was happy to find an independent review about TruStage.Thank you sincerely for your efforts, but I’m still in question of this company. Nothing of this company has been learned, other than the same propaganda that is expelled by the company itself, on their websites and their mail out adds/applications. Your review, almost sounds, as though you’re a paid spokesperson for TruStage. What I am reminded of, is disappointment, by the lack of independent, flowing reviews and information. A reminder that, “If its to good to be true, lol, Leave it alone.”. Good day.

    Reply
    • Hi Jack,

      Thank you for taking the time to leave a comment.

      We have no affiliation with TruStage.

      Best,
      Eric Stauffer

      Reply
    • Thanks for the warning!!! I also been getting this many times and just ignoring it.
      I thought $10,000.coverage (whole Life) for $86.00 premium was great.
      Thanks again.

      Reply
  42. Ok thank you for the info all is good to be aware of

    Reply

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