TruStage Insurance
Royal Credit Union Members have exclusive access to discounted rates to help protect your family with coverage designed to fit your life and budget.
AD&D Insurance
Accidental Death & Dismemberment1 pays a cash benefit in the event of an accidental death or if an accident causes specific permanent injuries.
All Royal Members can claim $1,000 of no-cost coverage with the option to add additional coverage.
- Guaranteed acceptance - no health questions or medical exams.
- Coverage available at a cost-effective, monthly rate.
- Cash payout is often not subject to income-tax.
- You’re covered whether at home, at work, on vacation or during travel.
Home & Auto Insurance
The TruStage™ Auto & Home Insurance Program2 provides protection designed to fit your budget. You could enjoy discounted rates combined with online convenience and 24/7 claims service.
- Discounts for multiple vehicles, good driving and more**
- Friendly, 24/7 service—even on holidays
- Mobile app for easy claims
Life Insurance
TruStage™ Term Life Insurance3 could help protect your family from the loss of your income if you were no longer here. It pays income tax-free money they could use for mortgage payments, debts, unpaid bills or for any reason.
- 100% online
- Just a few health questions – no medical exam or tests
- Instant decision (up to $100,000)
- Income-tax-free money for your beneficiaries
Frequently Asked Questions
What insurance products are available to Royal Credit Union Members through TruStage?
Royal Credit Union Members have exclusive access to three TruStage insurance products: Accidental Death and Dismemberment (AD&D) Insurance, Home and Auto Insurance, and Term Life Insurance. Each offers discounted rates and coverage designed to fit your life and budget.
Do I automatically have AD&D coverage as a Royal Credit Union Member?
All Royal Members are eligible for $1,000 of no-cost AD&D coverage. You simply need to claim it. From there, you have the option to add additional coverage at a cost-effective monthly rate. Acceptance is guaranteed with no health questions or medical exams required.
Who provides TruStage Insurance products for Royal Credit Union?
TruStage AD&D Insurance and Term Life Insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance products are issued by Liberty Mutual Insurance Company. These insurance products are not deposits and are not federally insured, sold, or guaranteed by any financial institution.
How do I get a quote for TruStage insurance through Royal Credit Union?
You can learn more and get a quote for any TruStage product directly from Royal Credit Union's TruStage Insurance page. Each insurance product has its own "Learn More & Get Quote" option. You can also call 800-341-9911 ext. #3084 or visit an office.
Can I manage my TruStage Insurance policy online?
Yes. TruStage offers simple online account access through a My Account profile. You can make payments, update account information and beneficiaries, and submit claims in one convenient place. You can create a My Account profile at trustage.com.
Disclosures
1TruStage™ Accidental Death and Dismemberment Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Policy Form Numbers: ADD-2018-POL, ADD-2018-POL(OR), 2018-ADD-POLRDR-CI, 2018-ADD-POLRDR-CNR, E10-ADD-2012, E10a-ADD-2012-LSCU, E10a-014-2012, E10a-014-2012(OR), E10a-015-2012, F10a-015-2012-1(WA).
2 Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution.
** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
3 TruStageTM Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705 Base Form Numbers: ICC16-A10a-039, A10a-039-2016, ICC17-SIT-2, 2017-SIT-2.