Life Insurance

Life Insurance

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Plan ahead.

Hello has partnered with TruStage® Insurance to offer life insurance policies to help our members protect the people who matter most in their lives. Any amount of coverage can make a difference, so it makes sense to check rates and look into this important protection. Taking steps to ease the burden of final expenses with life insurance is just one more way to show you care.

TruStage® Life Insurance plans and policies offer rates that fit your budget and that are designed to be affordable. They provide excellent coverage, underwritten by CMFG Life Insurance Company.

Term Life Insurance

If you need a high coverage amount with payments that are designed to fit your budget today—and want flexibility for the future—try TruStage® Term Life Insurance.

What’s covered?

  • After you’re gone, TruStage® Term Life Insurance pays income-tax free money to your family that can be used for any reason.
  • As long as you make your payments, no one can cancel your policy but you—even if you develop cancer or other serious health conditions.
  • Pays within the period you choose.

What are the advantages?

  • Apply in minutes online or over the phone
  • No medical exam or tests
  • Just a few health questions
  • Instant decision
  • Can be converted into whole life policy at a later time


Whole Life Insurance 

If you value security and predictability above all else, Whole Life helps give you peace of mind with comprehensive coverage. 

What’s covered?

  • After you’re gone, TruStage® Whole Life Insurance pays income-tax free money to your family that can be used for any reason.
  • As long as you make your payments, no one can cancel your policy but you—even if you develop cancer or other serious health conditions.
  • Permanent, lifelong protection as long as payments are made.

What are the advantages?

  • Apply in minutes online or over the phone
  • Price never goes up
  • Just 2 health questions
  • No medical exam or tests
  • Instant decision
  • Builds cash value 


Guaranteed Acceptance Life Insurance

TruStage Guaranteed Acceptance Whole Life Insurance gives you the same coverage as a Whole Life policy without the risk of being turned down because of your health, or any reason.

What’s covered?

What are the advantages?

  • Apply in minutes online or over the phone
  • Rates never increase 
  • Coverage never decreases
  • No health questions 
  • No medical exam or tests


Rates

Type
dividend Rate
Term
APY*
APR*
Min / Max balance
Notes
No items found.

IRA Certificate Rates

Account Type
Rate
APY*
Minimum balance
12-Month IRA Certificate
Dividend Rate
3.44%
APY*
-
3.50%
Min/Max Balance
$500.00
18-Month IRA Certificate
Dividend Rate
2.75%
APY*
-
2.785%
Min/Max Balance
$500.00
24-Month IRA Certificate
Dividend Rate
2.25%
APY*
-
2.273%
Min/Max Balance
$500.00
36-Month IRA Certificate
Dividend Rate
1.50%
APY*
-
1.510%
Min/Max Balance
$500.00
48-Month IRA Certificate
Dividend Rate
1.75%
APY*
-
1.764%
Min/Max Balance
$500.00
60-Month IRA Certificate
Dividend Rate
2.00%
APY*
-
2.018%
Min/Max Balance
$500.00

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program is issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Like other insurance, TruStage life insurance policies contain specific limitations, exclusions, termination provisions and requirements for keeping them in force. Please contact us for complete details.

TruStage® Term Life Insurance to Age 80 is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. This is a term policy that increases when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Renewable to age 80.

Your rate and availability for this product will be subject to underwriting. TruStage life insurance policies contain specific limitations, exclusions, terminations provisions and requirements for keeping them in force. Please see your policy or contact us for full details. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. For coverage amounts over $100,000 rates will be higher due to tobacco use. For coverage amounts up to $100,000 Base Policy Number is ICC16-A10a-039, A10a-039-2016. For coverage amounts over $100,000 Base Policy Number is ICC17-SIT-2, 2017-SIT-2. Base Policy Number ICC12-A10a-029-LB, ICC12-A10a-029-NB, A10a-029-LB2012, & A10a-029-NB2012. Base Policy Number: ICC16-GAWL & 2016-GAWL.‬‬‬‬‬