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Underwriting & Product Overview
TruStage™ Advantage Whole Life
Whole Life Insurance
Carrier
MEMBERS Life Insurance Company
Issue age
Age 20–85 (age last)
Coverage amounts
$5,000–$100,000
Age 18–70
$5,000–$100,000
Max face amounts by age
Age 71–75
$5,000–$50,000
Age 76–85
$5,000–$25,000
Premiums
Level
States available
Not available in Connecticut or New York
Payment options
Monthly, quarterly, bi-annually, annually via ACH
Underwriting criteria
8 health questions + Rx check. 100% instant decision.
Underwriting classes
Non-Tobacco and Tobacco
Average customer pro fi l e
Health
F inancial & credit history
V ehicle violations
G ood / fair / poor credit resulting in mid / high CBI score depending on age
F or more information about our TruStageTM products, please visit our TruStage FAQs.
G ood to fair health. Not currently disabled.
Not underwritten
Replacements
Unavailable
Annual policy fee
$ 3 6 (included in premium, non-commissionable)
Available riders & perks
Ethos estate planning tools at no additional cost (except S D , WA, A K , and LA)
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