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Life Insurance

Life Insurance protects the people you love


Why get Life Insurance?

Exclusively for credit union members, we offer TruStage® Life Insurance policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage.


Over 17 million members protected


Choose from Term or Whole plans that best fit your budget and needs

Frequently Asked Questions

  • Life insurance means you’re preparing your loved ones for the unexpected-a thoughtful and appreciated gesture.

    • It’s designed to help safeguard growing financial commitments like day-to-day expenses, a mortgage, debt payments, and even aspirational promises like college costs for your kids.
    • It can help your family cover financial expenses.
    • It can provide a way to leave money to charity.
      Whole life policies build some cash value you can borrow against in the future. Any outstanding loan balance is subtracted from the payment your beneficiary receives.
  • Term life insurance

    • Can provide affordable, high-coverage protection for a specific period of time (or term).
    • Pays a benefit if you die during the term.
    • Could have benefits and premiums that change over time, depending on the specific policy.

    Whole life insurance

    • Offers coverage you can never outlive.
    • Has rates that remain the same throughout your lifetime.
    • Can provide a future source of money prior to your death, building cash value over time.
    • Allows for loans (which incur interest) against the value, with unpaid amounts decreasing the death benefit.

    Guaranteed acceptance whole life

    • Offers all the benefits of whole life (limited in the first two years)
    • Guarantees your acceptance, with no health questions or medical exam, regardless of your health.
    • Provides instant coverage with your first payment.
  • As a starting point, you may consider spending 1% of your annual pre-tax pay on life insurance. This rule of thumb can not only help make coverage an affordable reality, it can also mean the difference between some breathing room for your family and an immediate financial hardship.

    Of course, everyone’s needs are different so you may need more or less insurance for your situation. A TruStage Representative can help you determine an amount that makes sense for you.

    For additional questions regarding Life Insurance, please visit the TruStage website to chat with a representative or call 1(888) 858-7649.

Protect Those Who Matter Most

Life insurance plans designed to fit your budget and provide excellent coverage.


    FAQs provided by TruStage

    The insurance offered is not a deposit and is not federally insured, sold or guaranteed by your credit union.


    TruStage® Life Insurance is offered by TruStage® Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured, sold or guaranteed by your credit union. Any products and services accessed through this link are not provided or guaranteed by HFS Federal Credit Union.