To determine a policy's value: 

• Log in at the top of our website. 
• Next log in to your personal account.
• Select 'Manage my account’ and view the Policy Overview section for details. 

Please refer to your contract for additional features and benefits.

This service request can be made by completing and mailing the Service Request form or calling our Customer Care Contact Center for assistance.

1. Log in or Create an Account 
2. Select Find a quick answer
3. In the Forms section, select Life Insurance Forms
4. Select the Service Request form that's applicable to your request
5. Complete and mail the form to the address provided on the form

This service request can be made by completing and mailing the Service Request form or calling our Customer Care Contact Center for assistance.

1. Log in or Create Your Account
2. Select Find a quick answer
3. In the Forms section, select Life Insurance Forms
4. Select the Service Request form that matches your request
5. Complete and mail the form to the address provided on the form

This service request can be made by completing and mailing the Service Request form or calling our Customer Care Contact Center for assistance.

1. Log in or Create Your Account 
2. Select Find a quick answer
3. In the Forms section, select Life Insurance Forms
4. Select the Service Request form that's applicable to your request
5. Complete and mail the form to the address provided on the form

Term life insurance provides coverage for a specific time period (term) and allows beneficiaries to get a benefit when the policy owner dies. Usually, term life insurance does not offer cash-value benefits or dividends. 

Premiums, or the payments you make to keep your policy active, are renewable and typically increase at every renewal date. 

It’s also common for term life insurance to include a conversion privilege. This allows the insured policy owner to switch to a different insurance type, such as whole life insurance. This might be helpful when your health changes or when you experienced a major life milestone. For example, if you had children since you bought your original policy, it might be a good time to reconsider your insurance needs and switch to a different insurance policy.

Term life insurance could be a great option if you have big responsibilities right now, and need a high coverage amount with a payment designed to be affordable. It helps protect your family when it's growing — when you're likely to need more coverage.

Term Life Insurance

• can provide affordable, high-dollar coverage for a specific period of time (or term).
• pays a benefit if you die during the term.
• could have benefits and premiums that change over time, depending on the specific policy.

Whole Life Insurance

• has rates that remain the same throughout your lifetime.
• could provide a future source of money prior to your death, building cash value over time.
• allows for loans (which incur interest) against the value, with unpaid amounts decreasing the death benefit.

Guaranteed Acceptance Whole Life

• offers all the benefits of whole life (limited in the first two years).
• guarantees your acceptance, with no health questions or medical exam, regardless of your health.
• provides instant coverage with your first payment.

Any major life event — getting married, buying a home, changing jobs, having a child, paying for college expenses—is an important time to think about helping protect your family with life insurance.

Whole life insurance provides level death benefit coverage for the insured's lifetime from the date of issue until the date of death (if premiums are paid). “Level term” coverage means that your premiums and death benefit stay the same throughout the entire policy.

It could provide both a living death benefit and a death benefit and is usually bought for long-term coverage. Whole life insurance also builds cash value over time. The maximum coverage period can vary by product, but it’s typically to age 100 or 121. If you’re still living when the coverage period ends, the insured would get the face value amount of the policy.

Term life insurance

• Can help provide affordable coverage for a specific period of time (or term)
• Pays a benefit if you die during the term
• Could have benefits and premiums that change over time, depending on the specific policy

Whole life insurance

• Offers coverage you can never outlive
• Has premiums that remain the same throughout your lifetime
• May help provide a future source of money prior to your death, building cash value over time
• Allows for loans against the value, with unpaid amounts decreasing the death benefit. You will have to pay interest on any loans, meaning a certain percentage of the value of the money you borrow

• Life insurance means you're helping prepare your loved ones for the unexpected — a thoughtful and appreciated gesture.
• Both TruStage Whole Life Insurance and Guaranteed Acceptance Whole Life Insurance offer permanent coverage with a guaranteed rate that's locked in for life as long as your premiums are paid. And your coverage never decreases.
• Whole life insurance could help pay for final expenses or help your family with day-to-day financial commitments like a mortgage payment, debt payments and medical bills. And it can even build some cash value over time.

Term Life Insurance

• can provide affordable, high-dollar coverage for a specific period of time (or term).
• pays a benefit if you die during the term.
• could have benefits and premiums that change over time, depending on the specific policy.

Whole Life Insurance

• has rates that remain the same throughout your lifetime.
• could provide a future source of money prior to your death, building cash value over time.
• allows for loans (which incur interest) against the value, with unpaid amounts decreasing the death benefit.

Guaranteed Acceptance Whole Life

• offers all the benefits of whole life (limited in the first two years).
• guarantees your acceptance, with no health questions or medical exam, regardless of your health.
• provides instant coverage with your first payment.

Today, a funeral can cost $7,800¹ and final expenses like hospital bills, attorney’s fees and unpaid debts like credit cards can add up quickly. So, even if you already have a policy, you may need to add more coverage.

A good rule of thumb is to consider what expenses you’ll leave behind after you’re gone, then start with a payment that fits your budget. Any amount of coverage can help make a difference and help ease the financial burden on your family at a critical time. A licensed TruStage agent can walk you through the best options for your family and your budget.