Trustage Insurance Review 2021: Car, Home, and Life

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TruStage Insurance Company offers a range of insurance products for consumers, and most credit union customers that consult with the financial advisor at their local branch are likely to be shown one or more TruStage offerings. TruStage Insurance Company products are offered through CUNA Mutual Group at over 3,500 credit unions nationwide. TruStage (short for “Thrust Stage”) insurance is actually a brand and an agency service and not an insurer. All of its life insurance products are underwritten by its parent company CMFG Insurance, which has an “A” rating by AM Best. TruStage offers three types of life insurance, AD&D coverage, car, home, renters, condo and health insurance. However, TruStage offers its P&C insurance products through ESurance and Liberty Mutual, and its health insurance is underwritten by GoHealth. Prospective buyers can either shop directly online from the TruStage website or go to their local credit union in order to buy a policy. TruStage is headquartered in Madison, Wisconsin and also has branch locations in Waverly, Iowa and Fort Worth, Texas.

TruStage car insurance

As mentioned previously, TruStage does not directly underwrite or offer its own line of car insurance policies; instead it partners with ESurance and Liberty Mutual Auto Insurance in order to provide auto insurance coverage to its customers.

Types of coverage

All components of car insurance are offered through TruStage, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical Payments or PIP coverage


TruStage offers a discount to all members of credit unions who buy their auto policy through the credit union. Its partner Esurance also offers a range of discounts for safe drivers.

Trustage home insurance

A complete range of home insurance policies are available through TruStage. Those seeking homeowners insurance can visit their website to get a list of their offerings.

Types of coverage

TruStage offers home insurance through its partner Liberty Mutual. It offers policies for the following types of residences:

  • Single-family residences
  • Condominiums
  • Apartments and rental houses


As with auto insurance, credit union members are eligible for a discount. Liberty Mutual also offers multi-line discounts for its policies.

TruStage life insurance

TruStage offers several different types of life insurance for consumers. These policies are all underwritten and issued by CMFG, its parent company and credit union affiliate.

All TruStage life insurance policies have several advantages. For starters, you can apply online for any type of life insurance policy the company offers and don’t have to go through a medical exam to gain a policy. Additionally, premiums are guaranteed throughout the life of the policy – no matter which type of life insurance you purchase.

Types of coverage

The range of life insurance offerings that are available include:

  • Term insurance
  • Whole life insurance
  • Guaranteed issue whole life insurance
  • Accidental Death and Dismemberment life insurance


As with all other types of insurance that are offered by TruStage, discounts are available for credit union members who buy their life insurance through their credit union.

Reasons why TruStage is a great option

The biggest advantage that TruStage offers is its ease of application for life insurance. In most cases, a medical examination is not necessary, and applicants can get approved for coverage within a few days. Credit union members can also get a slight discount if they buy a TruStage life insurance policy through the financial advisor who works at their credit union branch. It is also possible to buy life insurance from the company directly online via their website, but no discount is available for those who take this route. Furthermore, the discount that is available through the credit union usually only amounts to a few dollars saved per month.

TruStage tries to draw in customers with its offer of free AD&D coverage. Once they sign up for this, TruStage tries to sell them other products such as life or auto insurance. TruStage’s life insurance is generally considered to be fairly expensive compared to similar offerings sold by competitors, but it has a high overall customer satisfaction rating. Those who are willing to pay a little more for good customer service can be good candidates for coverage with this company.

TruStage ratings, reviews, customer satisfaction and complaints

TruStage has 18 complaints and nine reviews on file on its webpage with the Better Business Bureau and has a rating of just under two stars. However, its customer satisfaction rating is a solid A+, despite the fact that the company is not officially accredited with the BBB. Several of the complaints that were registered indicated that the customer who wrote the complaint believed that their AD&D coverage is just a scam. Other complaints were focused on billing and payment of claims.

Surprisingly, there are over 800 reviews of the company on Google, a rather large number considering the relatively small size of the company. Its Google rating is 4.8 stars, and many of the reviews were centered on the ease of applying for coverage with the company. TruStage has also received a rating of A+ from AM Best. Its partner Esurance has also received an A+ rating from AM Best and Liberty Mutual has an A rating with this agency.

Frequently asked questions

What is the best auto insurance company?

Amica Mutual is widely known for both its great coverage and its great customer service. It is ranked #1 in J.D. Power’s 2020 Auto Insurance Survey. Amica offers all of the standard forms of auto insurance plus great add-ons such as roadside assistance and glass coverage. Amica’s Platinum Choice Auto policy is a very comprehensive package that includes accident forgiveness, glass coverage and identity theft protection.

What is the best homeowners insurance company?

As with auto insurance, Amica Mutual is widely considered to offer the best homeowners insurance in the industry. Amica was the highest-rated insurer in J.D. Power’s 2020 U.S. Property Claims Satisfaction Study. And unlike many competitors, Amica has also consistently received top marks for customer service over the years. The company also offers a wide array of discounts, from multi-line discounts to loyalty, autopay and paperless billing.

What is the best life insurance company?

The best life insurance company for you depends on your health and budget, among other factors. The best place to start is by getting multiple quotes and researching different providers.

Written by
Mark Cussen
Contributing writer
Mark Cussen writes about a range of topics related to insurance.