TruStage Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's TruStage Score
4 Stars
TruStage Insurance Company’s policies are underwritten by CMFG Life Insurance Company, which was founded in 1935. TruStage’s parent company is CUNA Mutual Insurance. The company specializes in life, accidental death and dismemberment, and similar policies for individuals. It also provides access to auto and home insurance from other carriers. TruStage also offers several specialty policies for business owners.
TruStage’s long-standing history and large number of policyholders aid the carrier’s reputation as a financially stable insurance provider with a strong outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives TruStage’s underwriting company, CMFG Life Insurance Company, an “A” rating, indicating the carrier is an excellent choice for insurance customers.
We award TruStage Insurance Company a final rating of 4 out of 5 stars. The carrier’s parent company has been around for more than 80 years and is highly rated by AM Best. TruStage has also been highly rated by the Better Business Bureau.
The carrier offers several forms of coverage for individuals with many different needs, from life insurance to funeral insurance. It also offers several insurance options for businesses.
TruStage's public website can use some work. Navigation is difficult, and product information is minimal. The company does not offer online claims reporting, and customer reviews are mixed. All of this considered, we say that if you’re in need of any of their coverage offerings, your independent insurance agent should consider TruStage.
TruStage Pros and Cons
We found that TruStage has several pros and cons that may help you evaluate it as a potential carrier.
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TruStage Products
TruStage offers several types of insurance for individuals, including:
The company can also provide access to high-quality car, home, condo, and renters insurance from other carriers. Talk to an independent insurance agent to find out more about the specific products offered by TruStage.
What Discounts Does TruStage Offer?
TruStage does not provide information about any discounts it might offer. To find this information, work with an independent insurance agent.
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TruStage Customer Service
The following customer service options are available for the company's protected loan product, life insurance, funeral insurance, and accidental death and dismemberment insurance:
- Email claims reporting
- Mail claims reporting
The main hotline for customer service has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7 am - 9 pm | ||
| Saturday | 8 am - 4 pm |
Fortunately for those who don’t like contacting their carrier directly, you can get in touch with your independent insurance agent instead. Independent insurance agents are available to handle claims and insurance concerns for you, which allows for much easier and smoother customer service.
TruStage FAQs
The official website does not make a claims response time frame promise for the company's protected loan product, life insurance, funeral insurance, and accidental death and dismemberment insurance.
For the company's protected loan product, life insurance, funeral insurance, and accidental death and dismemberment insurance, TruStage offers separate phone lines for customer service inquiries and claims reporting.
The main customer service hotline is available at generous hours, Monday-Friday, and restricted hours on Saturday. The claims hotline has more limited hours and is available Monday-Friday. The carrier has a social media presence on Facebook, YouTube, LinkedIn, and X, which makes it a bit more accessible to customers.
For the company's protected loan product, life insurance, funeral insurance, and accidental death and dismemberment insurance, TruStage allows customers to file claims over the phone, via email, or through regular mail.
If customers have further questions about the claims process or want to check on the status of a claim, they can contact the carrier or their independent insurance agent.
The layout of TruStage’s website is difficult to navigate and could use a refresh. However, it does not provide an online claims reporting option. So, while TruStage may not be the worst carrier in terms of user-friendliness, they’re also far from the best around.
TruStage offers several insurance solutions for individuals, including life insurance. The carrier’s life insurance options include:
- Term life insurance
- Whole life insurance
- Guaranteed acceptance life insurance
Some of TruStage’s life insurance features include:
- Guaranteed coverage (does not decrease if policyholder’s health declines)
- No requirements for medical exams or tests
- Locked-in premium rates
- 30-day trial periods
Your independent insurance agent can help you find out even more about TruStage’s life insurance options as well as their many other insurance products offered.
TruStage’s parent company has been around for more than 80 years. The carrier’s underwriter has been highly rated by AM Best, and TruStage has received a high rating from the BBB. However, the insurance company is not accredited by the BBB and has several BBB complaints.
https://www.trustage.com
https://www.bbb.org/us/wi/madison/profile/insurance-services-office/trustage-0694-23001629/customer-reviews