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Submitted URL:
https://click.email.trustage.com/?qs=e3c1c265cf8d263af5768c28bc4c8e1ab620052febf41eec2d58d554adba405513f61bfbd5cf791f53cae2a753d9...
Effective URL:
https://www.trustage.com/life-insurance/quote?pr=1&utm_source=CUEmailComboSIWLFollowUp20240108-V1&contract=03203503&utm_m...
Submission: On February 01 via manual (February 1st 2024, 7:17:17 pm UTC) from US — Scanned from DE

Form analysis
4 forms found in the DOM

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Text Content

02/01/2024

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LIFE INSURANCE DESIGNED TO FIT YOUR BUDGET

Get an instant decision and if you're approved, buy completely online with
TruStage™

LIFE INSURANCE DESIGNED TO FIT YOUR BUDGET

Get an instant decision and if you're approved, buy completely online with
TruStage™

LIFE INSURANCE DESIGNED TO FIT YOUR BUDGET

Get an instant decision and if you're approved, buy completely online with
TruStage™

LIFE INSURANCE DESIGNED TO FIT YOUR BUDGET

Get an instant decision and if you're approved, buy completely online with
TruStage™
My zipcode is
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I was born on
I was born on
mm
dd
yyyy
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I amI am

female

male

Get free quote

YOUR WHOLE LIFE INSURANCE QUOTE:

Get a lifetime of coverage at a rate that's locked-in upfront. No physical exams
required.

YOUR WHOLE LIFE INSURANCE QUOTE:

Get a lifetime of coverage at a rate that's locked-in upfront. No physical exams
required.

YOUR TERM LIFE INSURANCE QUOTE:

Term life can help guard your family against major costs with coverage that
never decreases.

YOUR GUARANTEED ACCEPTANCE WHOLE LIFE INSURANCE QUOTE:

You won't be denied because of health. Help protect your family without the
hassle.

EXPLORE MORE GUARANTEED ACCEPTANCE WHOLE LIFE COVERAGE

EXPLORE MORE WHOLE LIFE COVERAGE

EXPLORE MORE TERM LIFE COVERAGE

EXPLORE MORE WHOLE LIFE COVERAGE

COMPARE WITH OTHER PRODUCTS

Not sure which product is right? Get help deciding

WHAT IS TERM LIFE INSURANCE?

* WILL I BE APPROVED? WHAT HAPPENS IF I GET DECLINED? +

If you have a pre-existing condition or health concern, you may still be
eligible for TruStage Term Life insurance. You can apply online for an
instant decision – if approved, you can buy online as well and you’ll be
covered as soon as your first payment processes.

Even if you get declined for TruStage Term Life Insurance, you could still
apply for coverage with TruStage Guaranteed Acceptance Whole Life Insurance.

* Guaranteed Acceptance Whole Life Insurance is a different product which
may be a good option for those who have been denied coverage in the past
due to age or health, but still want to help protect their family’s
future.
* If you’re between the ages of 45 and 80, you cannot be turned down, even
if you have a serious illness like cancer or another health issue.

Get pricing for TruStage Guaranteed Acceptance Whole Life Insurance

* WHAT IS TERM LIFE INSURANCE? +

TruStage Term Life insurance can help you protect your family against loss of
income if you were to pass away before age 80.

Key Features:

* Coverage that never goes down. You can count on full benefits as long as
premiums are paid
* No physical exam. Just a few yes or no questions on the application.
* Simple and easy. Apply online for an instant decision. If approved, you
can buy online as well!
* Benefits are typically free from income tax. A cash benefit is paid to
your beneficiaries in one lump sum.
* Affordable coverage until age 80. Lasting coverage at rates designed to
fit your budget.

* HOW THESE RATES WORK +

Your initial monthly rate is based on your current age and gender and will
increase as you enter each five-year age band (25, 30, 35, 40, 45, 50, 55,
60, 65, 70 and 75). Rates are backed by CMFG Life Insurance Company.

* HOW DO I APPLY AND WHAT HAPPENS NEXT? +

Applying is designed to be simple and 100% online. Just click "Apply" above
to begin.

First, you'll name the people you want to protect with this coverage. Then
you'll be asked a few basic questions, and we'll ask permission to check your
prescription records. We'll also need your contact information and some
information about you (the policyholder) for security purposes.

Next up is your payment information. Don't worry – you'll only be charged if
your coverage is approved. You can choose to pay via a checking or savings
account, or by credit or debit card.

Finally, you'll review your responses, and then accept and sign. If you're
approved, you'll be covered when your first payment processes – in some
cases, as soon as the same day!

* WHAT INFORMATION DO I NEED TO APPLY? +

* The name(s) of your beneficiaries. From your next of kin to your next-door
neighbor, anyone can be your beneficiary. You can add up to four
beneficiaries in the initial online application, but we can help you add
as many as you need after your policy has been issued.
* Information about you. We'll need the basics – your name, SSN, email
address, mailing address, and phone number.
* Existing coverage information, if you have any. If you're applying for a
policy that will replace, discontinue, or change any other life insurance
coverage you might have, we'll need to know the name of the insurance
company and your policy number.
* Payment information. You can set up automatic payments for your policy
using a checking or savings account, or your credit or debit card. You'll
only be charged if your coverage is approved.

* 30 DAY SATISFACTION GUARANTEE +

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full.

* COVERAGE FOR YOUR SPOUSE OR LEGAL PARTNER +

Your eligible spouse or legal partner (age 25-69) can apply, too. We
encourage you both to consider this coverage to help protect your family's
future.

* GUARANTEED CONVERSION PRIVILEGE +

As you grow older and your needs change, you may decide you'd rather have
permanent whole life insurance. You can convert all or part of your coverage
to whole life at any time after the policy is in force. No health questions
asked.

* SUICIDE EXCLUSION +

If death results from suicide during the first two years of coverage (one
year in ND), we will return all of the premiums you've paid without interest.

Product Notices

LIFE INSURANCE MADE SIMPLE

With TruStage Term Life Insurance, you can help secure your family’s financial
future, quickly and easily. There’s no medical exam or intrusive tests, just a
few simple health questions. Apply online in minutes.

With TruStage, You Can Count On:

Affordable Coverage To Age 80

This term life insurance is designed to be affordable and budget-friendly today
and in the future.

Coverage That Never Goes Down

For as long as you own your policy and make your payments, your coverage is
guaranteed to never decrease or be cancelled—even if you get cancer or other
serious health conditions.

Income-Tax Free Payout

If you die, this insurance will pay benefits to your beneficiaries in one lump
sum, generally income-tax free. This money would go a long way in helping your
family cope with unpaid debts, ongoing bills and the sudden loss of your income.

Guaranteed Rate Schedule

Your initial monthly rate is based on your current age and gender and will
increase as you enter each five-year age band (25, 30, 35, 40, 45, 50, 55, 60,
65, 70 and 75). Rates are backed by CMFG Life Insurance Company.

Coverage For Your Spouse Or Legal Partner

Your eligible spouse or legal partner (age 25-69) can apply, too. We encourage
you both to consider this coverage to help protect your family's future

Guaranteed Conversion Privilege

As you grow older and your needs change, you may decide you’d rather have
permanent whole life insurance. You can convert all or part of your coverage to
whole life at any time after the policy is in force. No health questions asked.

Guaranteed Satisfaction

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full. No questions asked.

Suicide Exclusion

If death results from suicide during the first two years of coverage (one year
in ND and CO), we will return all of the premiums you’ve paid without interest.

YOU SHOULD KNOW

At TruStage, we believe in helping you make an informed decision with simple,
straightforward information. Before applying for any life insurance, here are a
few things you should know:

For residents of Georgia:

Are you thinking about buying a new policy and discontinuing or changing an
existing policy? If you are, your decision could be a good one - or a mistake.
You will not know for sure unless you make a careful comparison of your existing
policy and the proposed policy. Make sure you understand the facts. Below you
will find a check list of some of the items you should consider in making your
decision. TAKE TIME TO READ IT.

Do not let one agent or insurer prevent you from obtaining information from
another agent or insurer which may be to your advantage.

Hear both sides before you decide. This way you can be sure you are making a
decision that is in your best interest.

We are required to notify your existing company that you may be replacing their
policy.

ITEMS TO CONSIDER

1. If the policy coverages are basically similar, premiums for a new policy may
be higher because rates increase as your age increases.

2. Cash values and dividends, if any, may grow slower under a new policy
initially because of the initial costs of issuing a policy.

3. Your present insurance company may be able to make a change on terms which
may be more favorable than if you replace existing insurance with new insurance.

4. If you borrow against an existing policy to pay premiums on a new policy,
death benefits payable under your existing policy will be reduced by the amount
of any unpaid loan, including unpaid interest.

5. Current interest rates are not guaranteed. Guaranteed interest rates are
usually considerably lower than current rates. What rates are guaranteed?

6. Are premiums guaranteed or subject to change - up or down?

7. Participating policies pay dividends that may materially reduce the cost of
insurance over the life of the contract. Dividends, however, are not guaranteed.

8. CAUTION, you are urged not to take action to terminate, assign, or alter your
existing life insurance coverage until after you have been issued the new
policy, examined it and have found it to be acceptable to you.

And, REMEMBER, you have thirty (30) days following receipt of any life insurance
policy to examine its contents. If you are not satisfied with it for any reason,
you have the right to return it to the insurer at its home or branch office or
to the agent through whom it was purchased, for a full refund of premium.

1161-2213I/GA(1206)

You may designate a third party to receive notice of your policy cancellation
due to nonpayment. Just send a written request to the PO Box printed on the
application and include the third party's name and address.

Fraud Statement(s)

For residents of all states except D.C. and FL: Any person who knowingly
presents a false or fraudulent claim for payment or a less or benefits, or
knowingly presents false information in an application for insurance may be
guilty of a crime and subject to fines and confinement in prison, and denial of
insurance benefits, depending on state law.

Questions? Call 1-844-337-5831

If you have questions or need help applying, please give us a call. Our expert
customer service representatives are happy to assist you.

WHAT IS WHOLE LIFE INSURANCE?

* WILL I BE APPROVED? WHAT HAPPENS IF I GET DECLINED? +

If you have a pre-existing condition or health concern, you may still be
eligible for TruStage Whole Life insurance. You can apply online for an
instant decision – if approved, you can buy online as well and you’ll be
covered as soon as your first payment processes.

Even if you get declined for TruStage Whole Life Insurance, you could still
apply for coverage with TruStage Guaranteed Acceptance Whole Life Insurance.

Get pricing for TruStage Guaranteed Acceptance Whole Life Insurance

* WHAT IS WHOLE LIFE INSURANCE? +

TruStage Whole Life insurance can help protect your family from the burden of
final expenses. Unlike term life insurance, this is permanent protection you
can keep for life. As long as premiums are paid, the company can never cancel
your coverage, regardless of age or failing health.

Key Features:

* No rate increases. Your rate is locked in for life.
* No physical exam. Just a few yes or no health questions on the
application.
* Lifetime protection. Coverage is in force your entire life.
* Benefits are typically free from income tax. A cash benefit is paid to
your beneficiaries in one lump sum.
* Builds cash value as it matures, which you can borrow against if the need
arises. Note that any loans from a policy's cash value are subject to
interest and the balance is deducted from your death benefit.
* Simple and easy. Apply online for an instant decision. If approved, you
can buy online as well!

* HOW DO I APPLY AND WHAT HAPPENS NEXT? +

Applying is designed to be simple and 100% online. Just click "Apply" above
to begin.

Next up is your payment information. Don't worry – you'll only be charged if
your coverage is approved. You can choose to pay via a checking or savings
account, or by credit or debit card.

Finally, you'll review your responses, and then accept and sign. If you're
approved, you'll be covered when your first payment processes – in some
cases, as soon as the same day!

* WHAT INFORMATION DO I NEED TO APPLY? +

* 30 DAY SATISFACTION GUARANTEE +

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full.

* COVERAGE FOR YOUR SPOUSE OR LEGAL PARTNER +

Your eligible spouse or legal partner can apply for this same permanent
protection. We encourage you both to consider this coverage to help protect
those you leave behind.

* SUICIDE EXCLUSION +

If death results from suicide during the first two years of coverage (one
year in ND), we will return all of the premiums you've paid without interest.

Product Notices

PROTECTION FOR LIFE

With TruStage Whole Life Insurance, you can help protect your loved ones for
your entire life. It’s a quick and simple way to help relieve your family from
the burden of funeral costs and other final expenses. ‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Lifetime Protection

Unlike term life insurance, this is permanent protection you can keep for life.
As long as premiums are paid, the company can never cancel your coverage,
regardless of age or failing health. Only you can cancel your coverage.

No Rate Increases

Your rate is locked in for life – guaranteed.

Income-Tax Free Payout

Benefits are paid generally income-tax free in one lump sum to help your family
with funeral costs, medical bills and other final expenses. Remember, even a
small policy can help ease the burden on your loved ones at a critical time.

Cash Value

This insurance gives you the benefit of cash value as it matures. You can borrow
against your cash value if the need arises. Any unpaid loan balance, plus
interest, is subtracted from the death benefit.

Coverage For Your Spouse Or Legal Partner

Your eligible spouse can apply for this same permanent protection. A spouse
includes a legal partner as defined by state law. We encourage you both to
consider this coverage to help protect those you leave behind.

Applying Is Easy

There’s no medical exam or intrusive tests, just two simple health questions.
Apply online in about 10 minutes.

Guaranteed Satisfaction

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full. No questions asked.

Exclusions

If death results from suicide in the first two years of coverage (one year in ND
and CO), we will return all of the premiums you’ve paid without interest.

YOU SHOULD KNOW

At TruStage, we believe in helping you make an informed decision with simple,
straightforward information. Before applying for any life insurance, here are a
few things you should know:

Notice of Information Practices

In order to evaluate your application for insurance, CMFG Life Insurance Company
may ask you to complete questions on an application. Through these questions you
will provide us with medical or other personal information about yourself and
any other person to be insured. As part of our normal procedure we may also
contact you, your spouse or other insured family members to ask additional
clarifying questions. This additional information will help us better understand
the responses you have provided on your application. Medical information we
collect about you will not be used or released for any purpose except as
authorized by you, to underwrite insurance; to administer your policy;
investigate and report fraud; or as required by law. Non-medical information may
be disclosed when necessary to administer products and services we provide or as
required by law. In order to provide you with information regarding other
financial products or services, we may also disclose some portion of the
non-medical information we collect to our affiliated companies, to
non-affiliated third parties with which we have joint marketing agreements or as
permitted by law.

You have the right to receive a detailed notice regarding our insurance
information practices which will include a summary of your rights to access and
correct all information which we may have collected. Requests should be made in
writing to the Chief Underwriter of CMFG Life Insurance Company, Administrative
Office, P.O. Box 61, Waverly, IA 50677-0061. Through the collection and use of
this information we seek to offer you coverage at the lowest possible cost. THIS
NOTICE IS TO BE READ BY THE APPLICANT FOR INSURANCE. CU-SINOTICE-2004

Secondary Addressee

For residents of CA, CT, FL, RI and VT: You may name a person as Secondary
Addressee in the spaces provided on the application. A Secondary Address is not
a beneficiary. If you choose to complete the Secondary Information on the
application, that person would also receive notice of lapsed coverage in the
event your premiums are not paid. You are not required to complete this section
of the application. Completing the Secondary Addressee information is optional.
If you choose to designate a Secondary Addressee in the future, or change the
person you designated, you may do so at any time by writing CMFG Life Insurance
Company.

Fraud Statement(s)

For all residents except D.C. and FL: Any person who knowingly presents a false
or fraudulent claim for payment or a less or benefits, or knowingly presents
false information in an application for insurance may be guilty of a crime and
subject to fines and confinement in prison, and denial of insurance benefits,
depending on state law.

For residents of Washington, D.C.: WARNING: It is a crime to provide false or
misleading information to an insurer for the purpose of defrauding the insurer
or any other person. Penalties include imprisonment and/or fines. In addition,
an insurer may deny insurance benefits, if false information materially related
to a claim was provided by the applicant.

For residents of Florida: Any person who knowingly and with intent to injure,
defraud, or deceive any insurer files a statement of claim or an application
containing any false, incomplete or misleading information is guilty of a felony
of the third degree.

For residents of Georgia:

Do not let one agent or insurer prevent you from obtaining information from
another agent or insurer which may be to your advantage.

Hear both sides before you decide. This way you can be sure you are making a
decision that is in your best interest.

We are required to notify your existing company that you may be replacing their
policy.

ITEMS TO CONSIDER

1. If the policy coverages are basically similar, premiums for a new policy may
be higher because rates increase as your age increases.

2. Cash values and dividends, if any, may grow slower under a new policy
initially because of the initial costs of issuing a policy.

3. Your present insurance company may be able to make a change on terms which
may be more favorable than if you replace existing insurance with new insurance.

5. Current interest rates are not guaranteed. Guaranteed interest rates are
usually considerably lower than current rates. What rates are guaranteed?

6. Are premiums guaranteed or subject to change - up or down?

7. Participating policies pay dividends that may materially reduce the cost of
insurance over the life of the contract. Dividends, however, are not guaranteed.

1161-2213I/GA(1206)

CMFG Life Insurance Company
P.O. Box 61
Waverly IA 50677-0061
Phone: 1-855-200-7101

Questions? Call 1-888-798-8862

If you have questions or need help applying, please give us a call. Our expert
customer service representatives are happy to assist you.

WHAT IS WHOLE LIFE INSURANCE?

* WILL I BE APPROVED? WHAT HAPPENS IF I GET DECLINED? +

If you have a pre-existing condition or health concern, you may still be
eligible for TruStage Whole Life insurance. You can apply online for an
instant decision – if approved, you could buy online as well and you’ll be
covered as soon as your first payment processes.

Even if you get declined for TruStage Whole Life Insurance, you could still
apply for coverage with TruStage Guaranteed Acceptance Whole Life Insurance.

Get pricing for TruStage Guaranteed Acceptance Whole Life Insurance

* WHAT IS WHOLE LIFE INSURANCE? +

Key Features:

* HOW DO I APPLY AND WHAT HAPPENS NEXT? +

Applying is designed to be simple and 100% online. Just click "Apply" above
to begin.

Next up is your payment information. Don't worry – you'll only be charged if
your coverage is approved. You can choose to pay via a checking or savings
account, or by credit or debit card.

Finally, you'll review your responses, and then accept and sign. If you're
approved, you'll be covered when your first payment processes – in some
cases, as soon as the same day!

* WHAT INFORMATION DO I NEED TO APPLY? +

* 30 DAY SATISFACTION GUARANTEE +

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full.

* COVERAGE FOR YOUR SPOUSE OR LEGAL PARTNER +

Your eligible spouse or legal partner can apply for this same permanent
protection. We encourage you both to consider this coverage to help protect
those you leave behind.

* SUICIDE EXCLUSION +

If death results from suicide during the first two years of coverage (one
year in CO), we will return all of the premiums you've paid without interest.

Product Details

PROTECTION FOR LIFE

With TruStage Whole Life Insurance, you can help protect your loved ones for
your entire life. It’s a quick and simple way to help relieve your family from
the burden of final expenses.

Lifetime Protection

No Rate Increases

Your rate is locked in for life – guaranteed.

Income-Tax Free Payout

Death benefits are generally income-tax free when paid in a lump sum to help
your family with final expenses and help supplement income. Remember, even a
small policy can help ease the burden on your loved ones at a critical time.

Cash Value

Coverage For Your Spouse Or Legal Partner

Exclusions

If death results from suicide in the first two years of coverage (one year in ND
and CO), we will return all of the premiums you’ve paid without interest.

Applying Is Easy

There’s no medical exam or intrusive tests, just seven simple health questions.
Apply online in about 10 minutes.

Guaranteed Satisfaction

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full. No questions asked.

MEMBERS Life Insurance Company

PO Box 61
Waverly, IA 50677-0061
Phone: 1-833-399-2924

Questions? Call 1-833-495-1545

If you have questions or need help applying, please give us a call. Our expert
customer service representatives are happy to assist you.

WHAT IS GUARANTEED ACCEPTANCE WHOLE LIFE INSURANCE?

* WHAT IS GUARANTEED ACCEPTANCE WHOLE LIFE INSURANCE? +

TruStage Guaranteed Acceptance Whole Life Insurance can help relieve your
family from the burden of funeral costs and other final expenses.

Key Features:

* Acceptance is Guaranteed. If you’re between the ages of 45 and 80, you are
eligible for this permanent coverage and you can keep it for life. You
cannot be turned down due to your health, even if you have cancer or other
health problems.
* No physical exam, no medical questions. You can apply in minutes from the
comfort of your own home.
* Rates never go up. As long as premiums are paid, your rate is locked in
for life--guaranteed.
* Benefits are typically free from income tax. A cash benefit is paid to
your beneficiaries in one lump sum.
* Benefits never decrease. You're covered for your entire life.

* WHAT IF I HAVE CANCER OR OTHER HEALTH PROBLEMS? +

Your acceptance is guaranteed, even if you have a serious illness or health
issues. There are no health questions, and no physical exam. If you’re
between the ages of 45 and 80, you are eligible for this permanent protection
and you can keep it for life. As long as premiums are paid, the company can
never cancel your coverage, regardless of age or failing health (note that
benefits are limited in the first two years).

* HOW DO I APPLY AND WHAT HAPPENS NEXT? +

Applying is designed to be simple and 100% online. Just click "Apply" above
to begin.

First, you'll name the people you want to protect with this coverage. Then
we'll need your contact information and some basic information about you (the
policyholder) for security purposes.

Next up is your payment information. You can choose to pay via a checking or
savings account, or by credit or debit card.

Finally, you'll review your responses, and then accept and sign. You'll be
covered when your first payment processes – in some cases, as soon as the
same day!

* WHAT INFORMATION DO I NEED TO APPLY? +

* 30 DAY SATISFACTION GUARANTEE +

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full.

* COVERAGE FOR YOUR SPOUSE OR LEGAL PARTNER +

Your eligible spouse or legal partner (age 45-80) is guaranteed this same
permanent protection. We encourage you both to consider this coverage to help
protect those you leave behind.

* ARE THERE ANY EXCLUSIONS? +

Here's how we can guarantee your acceptance: If you’re between the ages of 45
and 80 and if your death is due to natural causes (any cause other than
accidental) in the first two years of coverage, benefits are limited to
return of premiums paid plus 10%. If death results from suicide in the first
two years (one year in ND), we will return all of the premiums you've paid
without interest.

Product Notices

GUARANTEED PROTECTION FOR LIFE

TruStage Guaranteed Acceptance Whole Life Insurance assures you of a lifetime of
coverage regardless of health. It’s one sure way to help relieve your family
from the burden of funeral costs and other final expenses.

Your Acceptance Is Guaranteed

Even if you have cancer or other health problems, you can’t be turned down for
this coverage. There’s no medical exam and not a single health question. You can
apply in minutes from the comfort of your home.

Lifetime Protection

Unlike term life insurance, this is permanent protection you can keep for life.
As long as premiums are paid, the company can never cancel your coverage,
regardless of age or failing health.

No Rate Increases

Your rate is locked in for life – guaranteed.

Income-Tax Free Payout

Cash Value

Coverage For Your Spouse Or Legal Partner

Your eligible spouse is guaranteed this same permanent protection. A spouse
includes a legal partner as defined by state law. We encourage you both to
consider this coverage to help protect those you leave behind.

Guaranteed Satisfaction

Apply today with confidence. If you are not 100% satisfied for any reason,
simply cancel within the first 30 days and your premium will be refunded in
full. No questions asked.

Exclusions

Here’s how we can guarantee your acceptance: If you’re between the ages of 45
and 80 and if your death is due to natural causes (any cause other than
accidental) in the first two years, benefits are limited to return of premiums
plus 10%. If death results from suicide in the first two years of coverage (one
year in ND and CO), we will return all of the premiums you’ve paid without
interest.

YOU SHOULD KNOW

At TruStage, we believe in helping you make an informed decision with simple,
straightforward information. Before applying for any life insurance, here are a
few things you should know:

For residents of Georgia:

REPLACING YOUR LIFE INSURANCE POLICY?

Do not let one agent or insurer prevent you from obtaining information from
another agent or insurer which may be to your advantage.

Hear both sides before you decide. This way you can be sure you are making a
decision that is in your best interest.

We are required to notify your existing company that you may be replacing their
policy.

ITEMS TO CONSIDER

1. If the policy coverages are basically similar, premiums for a new policy may
be higher because rates increase as your age increases.

2. Cash values and dividends, if any, may grow slower under a new policy
initially because of the initial costs of issuing a policy.

3. Your present insurance company may be able to make a change on terms which
may be more favorable than if you replace existing insurance with new insurance.

5. Current interest rates are not guaranteed. Guaranteed interest rates are
usually considerably lower than current rates. What rates are guaranteed?

6. Are premiums guaranteed or subject to change - up or down?

7. Participating policies pay dividends that may materially reduce the cost of
insurance over the life of the contract. Dividends, however, are not guaranteed.

1161-2213I/GA(1206)

Fraud Statement(s)

CMFG Life Insurance Company
P.O. Box 61
Waverly IA 50677-0061
Phone: 1-855-200-7101

Questions? Call 1-888-798-8893

If you have questions or need help applying, please give us a call. Our expert
customer service representatives are happy to assist you.

CONSIDER THESE ALTERNATIVE OPTIONS:

We're here to help.

Call 1-844-337-5832

Monday - Friday 7am - 9pm CST
Saturday 8am - 4pm CST

* 1-844-337-5831
1-844-337-5831
1-888-798-8893
1-833-492-1403
1-844-337-5831
1-888-798-8862

* Log in

GIVE US A CALL

Call now and connect with one of our licensed agents in your area. No pressure.
Just friendly helpful information. Our hours are Monday - Friday, 7 a.m. - 9
p.m. CST (Saturday 8 a.m. - 4 p.m. CST).
1-844-337-5831
1-844-337-5831
1-888-798-8893
1-833-492-1403
1-844-337-5831
1-888-798-8862
Request a call with an agent

* WHY TRUSTAGE +

* Who we are
* Giving back
* Careers
* Newsroom
* Diversity equity and inclusion

* LEGAL +

* Terms and Conditions
* Privacy Policy
* Accessibility
* Domestic abuse victim policy

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* ¡Bienvenido!
* Sitemap

*$9.40/month, or 32¢/day, is standard rate for a 45-year-old female for $2,000
of coverage. If you’re approved and as long as you make your payments, your
coverage is guaranteed to never decrease or be cancelled—even if you develop
cancer or other serious health conditions.

*$7.15/month is standard rate for a non-smoking 18-year-old female for $5,000
of coverage.

*$4.80/month is standard rate for a 29-year-old female for $10,000 of coverage.
If you’re approved and as long as you make your payments, your coverage is
guaranteed to never decrease or be cancelled—even if you develop cancer or other
serious health conditions.

*$6.75/month is standard rate for an 18-year-old female for $5,000 of coverage.

LEGAL: Privacy | Terms and Conditions | Security | Accessibility |
Confidentiality

Your approval for this product is based on your answers to the questions on the
application and information we obtain from other sources. Products and features
may not be available in all states. Any loans from a policy's cash value are
subject to interest and the balance is deducted from your death benefit. All
coverage amounts may not be available to all ages

all ages.

TruStage™ is the marketing name for TruStage Financial Group, Inc. its
subsidiaries and affiliates. Securities distributed by CUNA Brokerage Services,
Inc., member FINRA/ SIPC, a registered broker/dealer, 2000 Heritage Way,
Waverly, IA, 50677. Investment and insurance products are not federally insured,
may involve investment risk, may lose value and are not obligations of or
guaranteed by any depository or lending institution. All guarantees are based on
the claims paying ability of the underwriting company. Insurance products are
issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS
Insurance Society Inc., CUMIS Specialty Insurance Company Inc., American
Memorial Life Insurance Company, and Union Security Insurance Company.

America’s Best Insurance Companies 2024 scores were based on the responses of
15k consumers in categories: overall recommendation, satisfaction, loyalty,
advice, customer service, price/performance, transparency, digital services and
damage/benefit service. This award is based an independent survey of 3,200+
companies. TruStage’s Permanent Life Product, underwritten by CMFG Life
Insurance Company ranked #9 in the Permanent Life Category.

Please view these important product-specific disclosures:

Corporate Headquarters 5910 Mineral Point Road, Madison WI 53705

WHL, GAWL, SIT1, SIT2, TAWL-2823711.13-1023-1125
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