TruStage burial insurance
TruStage is the insurance brand credit unions put in front of their members, and the policies are issued by CMFG Life Insurance Company.
Rating read from AM Best on 2 September 2026. AM Best calls A excellent: a strong ability to meet obligations to policyholders. How we check ratings.
The verdict
Convenient rather than competitive. It arrives in your credit union statement, which is how most people buy it, and convenience is not the same as a good price. Worth comparing before accepting, particularly the guaranteed acceptance version with its waiting period.
We do not represent TruStage
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A rated through CMFG Life
- Easy to buy through an existing credit union relationship
- Guaranteed acceptance option available for those who need it
Against it
- Sold by mail and statement insert, which is a pitch rather than a comparison
- Guaranteed acceptance version carries a two year waiting period
- Rarely the cheapest option for someone who can pass health questions
How it treats your health
Varies by product, from a few simplified questions to none at all on the guaranteed acceptance version. The absence of questions is exactly why that version waits two years.
What it actually sells
Term and whole life marketed through credit unions, issued by CMFG Life Insurance Company.
The waiting period
The guaranteed acceptance product pays a return of premium rather than the face amount on natural death in the first two years.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, face amount and product type.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what TruStage would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about TruStage
Is TruStage a good deal through my credit union?
It is convenient. Whether it is a good price depends on your health, and if you can answer health questions favourably an underwritten policy elsewhere usually costs less and pays from day one.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.