Individuals who indicate any of the following may also not be good candidates for an underwritten TruStage product: Unable to perform activities of daily living independently. Lacks contractual capacity. Currently hospitalized, incarcerated, or residing in a nursing facility. Receives dialysis or is dependent on oxygen. Non-US Citizens Weight less than 85 lbs. or more than 450 lbs. Height less than 4’8” or more than 7’. Has been declined for any life insurance within the past 30 days.
Chronic: treatment or symptoms lasting more than 3 months (except for depression which is considered chronic if treatment or symptoms last more than 6 months).
Treatment: the management and care to combat disease or disorder, to control a health problem, lessen its symptoms, or clear it up. Treatments can include medicine, therapy, surgery, or other approaches. Continuing treatment includes prescription medication(s) or therapy requiring special equipment to resolve or alleviate a health condition (this includes permanent implants).
Examples of heart diseases and conditions: Aortic Aneurysm
Atrial fibrillation/atrial flutter or irregularity Cardiomyopathy
Congenital heart disease Congestive Heart Failure Coronary Artery Disease (CAD) Bypass surgery/Stent Placement/Angioplasty Heart murmur Heart Valve disorder (including repair or replacement) Myocardial Infarction/Heart Attack Pacemaker or Defibrillator placement (would be due to irregularities)
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TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039- 2016 & over 100k ICC17-SIT-2, 2017-SIT-2. TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Base Form Numbers: ICC16-GAWL, 2016-GAWL. TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. Base Form Numbers: ICC20-WLMLIC, 2020-WLMLIC. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any depository institution. Product and features may vary and not be available in all states. Corporate Headquarters: 5910 Mineral Point Road, Madison, WI 53705. © TruStage The products you have from CMFG Life Insurance Company and MEMBERS Life Insurance Company are designed to help meet the needs of your customer. As an insurance agent, you must carefully evaluate each client's financial situation, needs, objectives, and risk tolerance before recommending any insurance or investment product.
TAWL, GAWL, SIT1, SIT2-6689979.1-0624-0726
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