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.

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.

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:

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)

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.