Underwriting & Product Overview
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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 debit/credit card, ACH
Underwriting criteria
Application questions and third-party evidence checks. 100% instant decision.
Band 1: $5,000–$100,000 combined Non-Tobacco/Tobacco rating (single risk class) Band 2: $150,000–$300,000 separate Non-Tobacco and Tobacco rates
Underwriting classes
Average customer profile
Health
Financial & credit history
Vehicle violations
Average to fair health. Not currently disabled.
Good/fair/poor credit resulting in mid/high CBI score depending on age
Not underwritten
For more information about our TruStage TM products, please visit our TruStage FAQs.
Replacements
Unavailable
Annual policy fee
Band 1: $30 / Band 2: $60 (included in premium, non-commissionable)
Convertible to whole life. Ethos estate planning tools at no additional cost (except WA & SD).
Available riders & perks
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