TruStage Life Insurance provides personalized coverage options designed to offer financial security. Known for its straightforward approach, TruStage eliminates the need for medical exams, making it easy to obtain coverage quickly. With a reputation for reliability and strong financial stability, TruStage is a trusted choice for individuals and families seeking dependable life insurance.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
TruStage Life Insurance is trusted by over 37 million consumers and partners with more than 3,200 credit unions nationwide. These strong relationships allow TruStage to offer personalized coverage that fits within a monthly budget. The policies are underwritten by CMFG Life Insurance Company, which holds an 'A' (Excellent) rating for financial stability from AM Best, ensuring reliability and security. The company simplifies the process by eliminating the need for medical exams, and coverage starts immediately upon receiving the first premium, making it hassle-free to protect your family.
Note: Check all the best term insurance plan in India.
Term Plans
TruStage Life Insurance helps prepare your loved ones for the unexpected, offering crucial financial support during difficult times. It’s designed to cover growing financial commitments like daily expenses, mortgage payments, debt obligations, and future aspirations such as college costs for your children. By securing a policy, you ensure your family can manage financial burdens, and it also provides an opportunity to leave money to charity. Additionally, TruStage whole life insurance policies build cash value over time, which you can borrow against if needed, though any outstanding loan balance will be deducted from the beneficiary’s payment.
Let us take a look at the different types of TruStage life insurance plans offered by the company:
Term life insurance is a type of life insurance that provides cover for a limited duration, fits within your budget, and offers flexibility for tomorrow.
The TruStage whole life insurance provides life protection along with wealth creation at a fixed locked-in rate.
The guaranteed acceptance whole life insurance plan guarantees the acceptance of the life insurance application without answering any health-related questions or medical exams.
To help you make an informed decision, here is a comparison of the different types of TruStage life insurance plans offered by the company:
| Feature | Term Life Insurance | Whole Life Insurance | Guaranteed Acceptance Whole Life |
| Coverage Period | Specific duration | Lifetime | Lifetime |
| Benefit Payout | Paid if you die during the term | Paid upon death | Paid upon death |
| Premiums | Can change over time depending on the policy | Fixed rates throughout lifetime | Fixed rates throughout lifetime |
| Cash Value | No | Builds cash value over time | Builds cash value over time (limited in the first 2 years) |
| Loans Against Policy | Not available | Available, with interest, unpaid amounts decrease death benefit | Available, with interest, unpaid amounts decrease death benefit |
| Health Requirements | May require health questions or a medical exam | May require health questions or a medical exam | No health questions or medical exam |
| Instant Coverage | No | No | Yes, with the first payment |
| Future Source of Money | No | Yes | Yes |
| Policy Issuance | Based on health and other factors | Based on health and other factors | Guaranteed, regardless of health |
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To secure the right insurance for life cover for your family, you should first assess your and your family’s financial needs. Then go through the list of different types of TruStage plans available and select the ideal plan fit for your needs.
To get a TruStage life insurance quote, you need to provide the following information:
Date of Birth
Your zip code
Gender
Submit the required information to receive the life insurance quote.
18% GST waiver on premiums as per the prevailing tax laws and an additional 5% discount on annual premium pay mode
The premiums are much more affordable than international term plans
Tele and video medicals allow you to buy plans from the comfort of your home without travelling back to India
Special exit benefits allow you to exit the plan at an early stage and receive back all the premiums paid
Global coverage with pre-approved cover for a secure financial future for your loved ones
Here is how you can buy term life insurance for NRI from India:
Step 1: Visit the term life insurance for NRIs page of Policybazaar
Step 2: Enter your name, age, gender, and other required information
Step 3: Fill in your annual income, occupation type, educational qualifications, and smoking habits
Step 4: Choose the term insurance for NRI and proceed to pay
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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