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Underwriting & Product Overview
TruStage™ Term Life
Term life insurance increasing premium
Carrier
CMFG Life Insurance Company
Issue age
Age 20–69 (age last)
Coverage amounts
$5,000–$300,000 annually renewable to age 80
Premiums
Increasing every 5 attained ages
States available
Not available in New York
Payment options
Monthly, quarterly, bi-annually, annually via ACH
Underwriting criteria
Application questions and third-party evidence checks. 100% instant decision.
B and 1 : $5,000–$100,000 combined Non-Tobacco / Tobacco rating (single risk class)
Underwriting classes
B and 2 : $150,000–$300,000 separate Non-Tobacco and Tobacco rates
Average customer pro fi l e
Health
Financial & credit history
V ehicle violations
Good / fair / poor credit resulting in mid / high C B I score depending on age
For more information about our TruStageTM products, please visit our TruStage FAQs.
Average to fair health. Not currently disabled.
Not underwritten
R eplacements
Unavailable
Annual policy fee
B and 1 : $30 / B and 2 : $60 (included in premium, non-commissionable)
Convertible to whole life . E thos estate planning tools at no additional cost (e x cept S D , W A, A K , and LA).
Available riders & perks
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