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.Ĥ. Cash values and dividends, if any, may grow slower under a new policy initially because of the initial costs of issuing a policy.ģ. If the policy coverages are basically similar, premiums for a new policy may be higher because rates increase as your age increases.Ģ. We are required to notify your existing company that you may be replacing their policy.ġ. This way you can be sure you are making a decision that is in your best interest.
TAKE TIME TO READ IT.ĭo not let one agent or insurer prevent you from obtaining information from another agent or insurer which may be to your advantage. Below you will find a check list of some of the items you should consider in making your decision. You will not know for sure unless you make a careful comparison of your existing policy and the proposed policy. Before applying for any life insurance, here are a few things you should know:Īre 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. 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.Īt TruStage, we believe in helping you make an informed decision with simple, straightforward information.
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 health questions asked.Īpply today with confidence. You can convert all or part of your coverage to whole life at any time after the policy is in force. We encourage you both to consider this coverage to help protect your family's futureĪs you grow older and your needs change, you may decide you’d rather have permanent whole life insurance. Your eligible spouse or legal partner (age 25-69) can apply, too. Rates are backed by CMFG Life Insurance Company.Ĭoverage For Your Spouse Or Legal Partner 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). This money would go a long way in helping your family cope with unpaid debts, ongoing bills and the sudden loss of your income. If you die, this insurance will pay benefits to your beneficiaries in one lump sum, generally income-tax free.
This term life insurance is designed to be affordable and budget-friendly today and in the future.įor 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. There’s no medical exam or intrusive tests, just a few simple health questions. With TruStage Term Life Insurance, you can help secure your family’s financial future, quickly and easily.
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