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Product Eligibility Guidelines
Prior to running the health underwriting rules, we have a series of automatic checks in place to determine if the applicant is eligible for the coverage they are applying for. Each of these eligibility checks is explained below.
Age & Face Amount Limits
TruStage TM Advantage Whole Life (TAWL) Issue Age
Minimum Face Amount
Maximum Face Amount
18-70
$5,000
$100,000
71-75
$5,000
$50,000
76-85
$5,000
$25,000
TruStage TM Term Life
Issue Age
Minimum Face Amount
Maximum Face Amount
18-69
$15,000
$300,000
TruStage TM Guaranteed Acceptance Whole Life (GAWL)
Issue Age
Minimum Face Amount
Maximum Face Amount
45-80
$2,000
$25,000
Insurance | Investments | Technology
TruStage™ Term Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. 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. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Base Form: ICC25-PBT1, 2025-PBT1. 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
TAWL, GAWL, PBT-8321045.1-0825-0927
For Internal use only. Not to be shown or distributed to the public.
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