True stage life insurance 2025 Complete Guide
As per their website, True Stage has three different types of life insurance policies. In this article we will cover all the important topic related to True stage life insurance so this article is all about True stage life insurance 2025 Complete Guide. Out of these policies, none of them have a medical exam requirement. All three policies have at least some health-related questions, though. Quotes can be viewed and the entire application process can be done on the website or after a conversation with a licensed agent, the applicant can apply later.
Guaranteed acceptance.
With True Stage guaranteed acceptance life insurance, no health questions need to be answered, and approval is automatic. If death occurs within the two-year waiting period, then the only benefit payable is the premium refund.
This whole life policy means coverage is lifelong and the premium is paid only once.
The Whole of Life
This TrueStage whole life policy means the insurance is permanent. To get this policy, a health questionnaire must be completed. If approved, there is no waiting period, so from the start of the policy, coverage for natural or accidental death is active.
The Term of Life
TruStage Term Life Insurance qualifies as a temporary life insurance policy. For this insurance, you must respond to health questions, and upon approval, you receive immediate coverage. However, this insurance coverage ceases when you turn 80, at which point you can no longer receive any benefits and there are no refunds for previously paid premiums.
While seniors above 80 years of age can purchase life insurance, coverage options are scant and premiums, exorbitant.
What is True Stage Life Insurance?
Guaranteed acceptance.
The Whole of Life
The Term of Life
Umar & Gender 0,000
0,000
Female $50 to $44
Male age 50 $55 09
Female $55 to $49
Male age 55 $60 19
Female age 60 $55
Male age 60 $72 43
Female age 65 $67 33
Male age 65 $93 85
Female age 70 $85 68
Male age 70 22
42
Female age 75 13
24
Male age 75 57 $312
Female $80 81
Male age 80 $312 $622
Source for monthly prices: Choice Mutual Quote Calculator. Data retrieved on 06/05/2025.
Is True Stage the best place to buy life insurance?
Like the AARP New York Life Insurance Program, TruStage Life Insurance has a good reputation, therefore, if a customer is willing to pay a bit more in premiums for the convenience of purchasing online, it may be a viable option.
However, True Stage is not the best option for those that are price sensitive. For those that are elderly, True Stage has restrictive policies, like a two-year waiting period policy, for those that are older or have health issues in the past, which is very expensive.
Ultimately, True Stage wants to capture the sub-prime market, underwriting policies for those with a history of mental illness, offering them immediate death benefit policies for a lower price. There is an untapped market that could be profitable for them.
Also Read this article:How to Get Free Life Insurance for Low-Income Families in the USA
True Stage vs Its Competitors
Here is an embedded benchmark and competitive analysis frame with interactive pricing and policy comparison for true and other life insurance companies.
Life Insurance FAQs
1. What is life insurance?
Life insurance is a contract between you and an insurance company. You pay regular payments (called premiums), and in return, the company promises to pay money to your loved ones (called beneficiaries) when you pass away.
2. Why do I need life insurance?
If you have a family that depends on your income or you want to leave money behind for funeral costs, debts, or your children’s future, life insurance gives peace of mind.
3. Who should buy life insurance?
You should consider life insurance if:
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You have dependents (spouse, children, parents)
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You have debts (like a mortgage or loans)
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You want to leave money behind for funeral expenses or legacy
4. How much life insurance do I need?
That depends on your income, debts, and how much your family would need if you’re gone. A common rule is 10–15 times your annual income.
5. What are the types of life insurance?
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Term Life Insurance: Covers you for a specific time (like 10, 20, or 30 years). It’s usually cheaper.
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Whole Life Insurance: Covers you for your entire life and builds cash value over time.
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Universal Life Insurance: A flexible type of permanent insurance with adjustable premiums and benefits.
6. What is a beneficiary?
A beneficiary is the person or people who will receive the life insurance payout after your death. You can choose anyone — your spouse, kids, parents, or even a charity.
7. How much does life insurance cost?
The cost depends on:
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Your age
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Health condition
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Smoking habits
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Coverage amount
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Type of policy (term or whole life)
Younger and healthier people usually pay less.
8. Do I need a medical exam to get life insurance?
Not always. Some policies require a medical exam, while others (called “no-exam policies”) don’t — but they may cost more or offer less coverage.
9. What happens if I stop paying premiums?
If you stop paying:
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A term policy usually ends.
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A whole life policy may stay active using its cash value for some time, but if cash runs out, it ends.
10. Can I change my life insurance later?
Yes, in many cases you can:
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Increase or decrease coverage
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Change your beneficiaries
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Switch to another policy type (like from term to whole life)
But changes may affect the cost or require a new application.
11. Is the money from life insurance taxable?
Usually no — the death benefit is tax-free for your beneficiaries. However, if the payout earns interest or is part of a big estate, there may be some taxes.
12. Can I cash out my life insurance?
Only certain policies like whole life or universal life build a cash value you can borrow or withdraw from. Term life has no cash value.
13. What if I outlive my term life insurance?
If your policy expires and you’re still alive:
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You won’t get any money (unless you have a return-of-premium rider).
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You can apply for a new policy if you still need coverage.
14. Can I have more than one life insurance policy?
Yes! You can have multiple policies from the same or different companies. Just make sure your total coverage fits your needs and budget.
15. How do my loved ones file a claim after I pass away?
They need to:
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Contact the insurance company
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Provide your death certificate
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Fill out a claim form
Once approved, they’ll receive the payout (usually within a few weeks).