Life Insurance

Here for Your Family When They Need It Most

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Coverage Through TruStage

Exclusively for Delta Community Credit Union members, we offer TruStage Life Insurance policies so you can protect the people who matter most to you. These plans are designed to fit your budget and give you added peace of mind. Learn more about coverage options through TruStage.

Multiple Policies to Meet Your Needs

Depending on your budget, age and type of coverage you want, we offer three policies to choose from. Take a look at the differences in each option to help determine the right coverage for your needs.

  • Term Life Insurance

    Term Life Insurance provides protection for your family for a set period of time. The coverage ends when the term expires. Term Life is typically well-suited for short-term goals, such as paying off a loan or for extra life insurance during child-raising years. And your coverage typically doesn’t change for the length of the term you choose (usually 5 to 30 years).

  • Whole Life Insurance

    Whole Life Insurance provides coverage for the remainder of your life. And it also accumulates cash value, so some of the money you put into a Whole Life Insurance policy can be withdrawn if you surrender the policy, or borrowed as a loan while the policy is in force. Premiums for these policies also remain level over time, which makes them a good option for those at a younger age.

  • Guaranteed Whole Life Insurance

    Guaranteed Whole Life Insurance provides the same benefits as regular whole life insurance, but you can't be denied coverage—not even because of existing health concerns. This provides you with added peace of mind even with a pre-existing condition that might otherwise prevent you from obtaining coverage.

The chart below will help you determine which plan is right for you. If you're interested in a policy with a coverage amount over $100,000, please contact Delta Community Retirement & Investment Services.

  Term Life Whole Life Guaranteed Acceptance Whole Life
Age 25-69 35-70 45-80
Term Life
Ages 25-69
Whole Life
Ages 35-70
Guaranteed Acceptance Whole Life
Ages 45-80
Coverage $5,000–$100,000 $1,000–$25,000 $2,000–$25,000
Term Life
Coverage $5,000–$100,000
Whole Life
Coverage $1,000–$25,000
Guaranteed Acceptance Whole Life
Coverage $2,000–$25,000
Health Information Needed Just 2 questions, no medical exam A few questions, no medical exam No questions, no medical exam
Term Life
Health Information Needed: Just 2 questions, no medical exam
Whole Life
Health Information Needed: A few questions, no medical exam
Guaranteed Acceptance Whole Life
Health Information Needed: No questions, no medical exam
Rates $ Rate increases every 5 years $$ Rate never increases $$$ Rate never increases
Term Life
Rates: $ Rate increases every 5 years
Whole Life
Rates: $$ Rate never increases
Guaranteed Acceptance Whole Life
Rates: $$$ Rate never increases
Features

Instant approval decision

High coverage amounts at affordable rates

Lifelong, permanent protection

Fits most budgets

Lifelong, permanent protection

Can't be turned down due to health concerns

Term Life
Features Instant approval decision and High coverage amounts at affordable rates
Whole Life
Features Lifelong, permanent protection and Fits most budgets
Guaranteed Acceptance Whole Life
Features Lifelong, permanent protection and Can't be turned down due to health concerns

TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit of and is not federally insured or guaranteed by Delta Community Credit Union.