Underwriting & Product Overview
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TruStage™ Term Life
Term life insurance with increasing premium
Carrier
CMFG Life Insurance Company
Age 20–69 (age last)
Issue age
$5,000–$300,000
Coverage amounts
States available
Not available in New York
Monthly, quarterly, bi-annually, annually via ACH
Payment options
Underwriting criteria
Application questions and third-party evidence checks; 100% instant decision.
Band 1: $5K–$100K combined Non-Tobacco/Tobacco rating (single risk class)
Underwriting classes
Band 2 : $101K–$300K separate Non-Tobacco and Tobacco rates
Average customer profile
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 TruStage TM products, please visit our TruStage FAQs.
Average to fair healt h Not currently disabled
Not underwritten
R eplacements
Unavailable
Convertible to whole life . E thos estate planning tools at no additional cost (e x cept S D , W A, AK, and LA).
Available riders & perks
Annually renewable to age 8 0. Premiums are banded by fi ve-year age brackets and increase on the policy anniversary following when the insured ’ s ag e ends in 0 or a 5 (e.g. 25, 30) . Example: if the policy e ff ective date is J an 11, 2023 and your client turns 40 on April 1, 2025, their premium won ’ t increase until J an 11, 2026 . Visit TruStage website for premium tables
Premiums
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