TruStage — the consumer brand of CUNA Mutual, headquartered in Madison, Wisconsin — is best known for insurance sold through credit unions. Its final expense coverage is a guaranteed acceptance whole life policy underwritten by CMFG Life Insurance Company, which holds an A (Excellent) rating from A.M. Best.
Where TruStage is strong
The policy skips health questions entirely. For ages 45 to 80, acceptance is guaranteed with no medical exam — useful for anyone declined elsewhere or managing serious conditions. It starts as low as $1,000 in coverage, one of the lower entry points around, and it is available both directly and through credit unions. Backed by an A (Excellent) underwriter, it offers real financial strength for a small policy.
Where it falls short
Two limits stand out. Coverage tops out at $25,000, which may fall short of the median funeral cost plus final bills. And because it is guaranteed issue, the policy carries a two-year graded death benefit — a natural-cause death in the first two years returns premiums instead of the full amount. Anyone who can answer a few health questions can often do better with a simplified issue policy that pays in full from day one.
The independent alternative
As an independent brokerage, we compare TruStage’s guaranteed acceptance policy against other carriers we represent, so guaranteed issue is a deliberate choice rather than a default. See how guaranteed issue coverage works, or get a quote to weigh it against first-day options for your profile.