How Much Does Life Insurance by TruStage Life Cost?
TruStage life insurance is easy to buy, but it is expensive. Many alternatives —just as easy to buy from— with better prices. Compare rates.
All policy information and sample quotes in this review are from the TruStage website. Your actual results may vary and will not be known until you complete the application and underwriting process for TruStage. Only at that time will you know exactly what your coverage will cost.
Check out our complete TruStage Life Insurance Review for even more details.
Do you have first-hand experience with TruStage Life Insurance? We’d like to hear about it...
TruStage Life Insurance Pricing and Fees
TruStage has a different pricing structure on their term life insurance compared to other leading carriers. The initial monthly rate is based on your current age and gender. Your rate will increase as you enter each 5 year age band – Age 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, & 75.
There are no additional application fees other than the premium you pay for the policy.
HOW MUCH DOES TRUSTAGE TERM LIFE INSURANCE COST?
The cost of TruStage term life insurance is quite high compared to other leading carriers. Keep in mind, this is TruStage’s initial rate. This will INCREASE every 5 years.
QUICK VIEW
- Product Name: TruStage Term Life
- Policy Face Amount: $10,000 to $100,000
- Issue Ages: 25 to 69
- Level Period: Premiums increase when entering each five-year age band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75
TruStage Term Life Cost Comparisons
Cost of $100,000 20 Year Term Life Insurance Policy – TruStage VS Ladder VS Bestow
| Male | Age 30 | Age 40 | Age 50 |
|---|---|---|---|
| TruStage | $42.20 | $65.50 | $114.50 |
| Ladder | $14.00 | $17.00 | $32 |
| Bestow | $10.25 | $13.33 | N/A |
| Female | Age 30 | Age 40 | Age 50 |
|---|---|---|---|
| TruStage | $32.50 | $44.50 | $77.50 |
| Ladder | $13.00 | $15.00 | $26.00 |
| Bestow | $8.83 | $11.33 | N/A |
TruStage Term Life Underwriting Classes
TruStage does not have different underwriting classes (like Preferred or Standard, etc).
You are either accepted or rejected.
For example, the cost would be the same for a male age 50 —whether he’s healthy or not— if he’s accepted.
TRUSTAGE TERM LIFE INSURANCE ADDITIONAL RIDERS
- TruStage offers no additional riders on their term life insurance policies like a child rider, wavier of premium, or any type of living benefits rider.
Pros and Cons of TruStage Term Life
Pros
- Very easy application process with only a few health questions asked.
- Fast approval. You can have a policy the same day.
- Policies as low as $10,000
Cons
- Expensive premiums that keep getting more expensive every 5 years you get older.
- Can not buy a policy greater than $100,000.
TRUSTAGE TERM LIFE INSURANCE SAMPLE MONTHLY QUOTES
Your actual prices may be different.
Monthly TruStage Term Life Insurance Quotes – Male
| AGE | $25,000 | $50,000 | $100,000 |
|---|---|---|---|
| Age 30 | $12.50 | $22.50 | $42.50 |
| Age 40 | $18.25 | $34.00 | $65.50 |
| Age 50 | $30.50 | $58.50 | $114.50 |
| Age 60 | $68.25 | $134.00 | N/A |
Monthly TruStage Term Life Insurance Quotes – Female
| AGE | $25,000 | $50,000 | $100,000 |
|---|---|---|---|
| Age 30 | $10.00 | $17.50 | $32.50 |
| Age 40 | $13.00 | $23.50 | $44.50 |
| Age 50 | $21.25 | $40.00 | $77.50 |
| Age 60 | $45.00 | $87.50 | N/A |
WHAT IS THE COST OF TRUSTAGE WHOLE LIFE INSURANCE?
The cost of TruStage whole life insurance is expensive compared to the competition.
QUICK VIEW
- Product Name: TruStage Whole Life
- Policy Face Amount: $1,000 to $100,000
- Issue Ages: 18 to 85
- Level Period: Permanent Coverage. Does not expire.
TRUSTAGE WHOLE LIFE INSURANCE UNDERWRITING CLASSES
- Accepted or rejected
TRUSTAGE WHOLE LIFE INSURANCE ADDITIONAL RIDERS
- No additional riders are available on TruStage whole life insurance.
Pros and Cons of TruStage Whole Life Insurance
Pros
- Policies as little as $1,000.00
- Easy application & fast approval
Cons
- Expensive compared to other leading carriers.
- Policies greater than $100,000 not available
TRUSTAGE WHOLE LIFE INSURANCE SAMPLE MONTHLY QUOTES
Your actual prices may be different.
Monthly TruStage Whole Life Insurance Quotes – Male
| AGE | $25,000 | $50,000 | $100,000 |
|---|---|---|---|
| Age 30 | $24.75 | $42.50 | $83.00 |
| Age 40 | $35.75 | $62.00 | $122.00 |
| Age 50 | $57.00 | $99.50 | $197.00 |
| Age 60 | $93.00 | $163.50 | N/A |
Monthly TruStage Whole Life Insurance Quotes – Female
| AGE | $25,000 | $50,000 | $100,000 |
|---|---|---|---|
| Age 30 | $21.00 | $35.50 | $69.00 |
| Age 40 | $31.25 | $54.00 | $106.00 |
| Age 50 | $48.75 | $85.00 | $168.00 |
| Age 60 | $78.50 | $138.00 | N/A |
WHAT IS THE PRICE FOR TRUSTAGE GUARANTEED ISSUE WHOLE LIFE INSURANCE?
The price for TruStage guaranteed issue whole life insurance is comparable to other leading carriers. No matter what company you shop, this particular type of life insurance is very expensive in general.
QUICK VIEW
- Product Name: TruStage Guaranteed Issue Whole Life InsurancePolicy
- Face Amount: $2,000 to $25,000
- Issue Ages: 45 to 80
- Level Period: Graded Benefit -Death benefit is limited if you die in the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%.
TRUSTAGE GUARANTEED ISSUE WHOLE LIFE UNDERWRITING CLASSES
- TruStage guaranteed issue whole life has no underwriting classes. Your acceptance is guaranteed.
TRUSTAGE GUARANTEED ISSUE WHOLE LIFE ADDITIONAL RIDERS
- TruStage guaranteed issue whole life has no available additional riders.
Pros and Con of TruStage Guaranteed Issue Whole Life Insurance
Pros
- Easy application process.
- Guaranteed acceptance. You can not be turned down for any reason.
Cons
- Expensive.
- Limitations on death benefit if you die in the first 2 years.
TRUSTAGE GUARANTEED ISSUE WHOLE LIFE SAMPLE MONTHLY QUOTES
Your actual prices may be different.
Monthly TruStage Guaranteed Issue Whole Life Insurance Quotes Male
| AGE | $10,000 | $25,000 |
|---|---|---|
| Age 50 | $55.00 | $109.00 |
| Age 60 | $72.00 | $143.00 |
| Age 70 | $122.00 | $242.00 |
Monthly TruStage Guaranteed Issue Whole Life Insurance Quotes Female
| AGE | $10,000 | $25,000 |
|---|---|---|
| Age 50 | $44.00 | $87.00 |
| Age 60 | $55.00 | $109.00 |
| Age 70 | $85.00 | $168.00 |
The Bottom Line
TruStage life insurance is easy to buy— BUT expensive.
If you are considering TruStage for your life insurance purchase, you should keep shopping around.
You can find companies that are just as easy to buy from, but with much better prices.
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