Underwriting & Product Overview
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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 debit/credit card, ACH
Underwriting criteria
8 health questions + Rx check. 100% instant decision.
Underwriting classes
Non-Tobacco and Tobacco
Average customer profile
Health
Financial & credit history
Vehicle violations
Good 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
$36 (included in premium, non-commissionable)
Available riders & perks
Ethos estate planning tools at no additional cost (except WA & SD)
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