Life

The best life insurance policy is the one that’s in force the day you need it. Your independent LGE Insurance agent will review your needs and recommend a policy designed to protect you.

Whole Life

Whole Life Insurance provides protection for as long as you live, or permanently, as long as you continue to pay your premium on time. Whole life policies are typically a better long-term option. And the younger you are when you purchase the policy, the less expensive your premiums may be. In addition, a whole life policy has a cash value. This means that some of the money you pay into the policy every month is saved or invested, so you're able to cash it out or borrow against it.

Need a quote? Call us at 770-429-0103 or email us at info@lgeinsurance.com.

Term Life

Term Life Insurance provides protection for a limited period of time, or term.  Since it does expire after its term, it is possible that you may outlive your policy. However, if the insured person dies during the term, the death benefit will be paid to the stated beneficiary. 

Term insurance is generally used for pure income replacement needs for an individual and not for estate planning needs or charitable giving strategies.

Need a quote? Call us at 770-429-0103 or email us at info@lgeinsurance.com.

Final Expense

Put simply, Final Expense covers your end of life costs.  Clearly this is something that no one likes to discuss.  However, in the event of your untimely demise, have you considered the full cost that would be assumed by your loved ones for these services?

The cost of a funeral has steadily risen over the years and now averages just over $7,000 as the median cost for standard funeral services*.   If you think Social Security will pay for your final expenses, think again!  Social Security pays a lump sum final expense of only $255 for those who qualify.  Your family is already dealing with your loss - a Final Expense policy can give them one less thing to worry about.  Be prepared with Final Expense coverage and know that you are protecting your family.

*National Funeral Directors Association 2012 General Price List Survey

TruStage Life

Expect the best out of life, but be prepared.

You want the best for your family and that means planning for life’s “what ifs.” Like what if you were to die unexpectedly, and they had to make ends meet without your income?

What’s covered?

Term life insurance helps protect your family from the loss of your income if you were to die. It pays income-tax free money they could use for the mortgage, debts, unpaid bills or any reason.

What are the advantages?

TruStage® Term Life Insurance is a good choice if you need high coverage amounts now, with payments that fit your budget. And it’s available entirely online, so you can apply in about 10 minutes*:

  • Six-step application
  • 100% online
  • Just a few health questions
  • No medical exam
  • Instant decision (up to $100,000)

    Don’t wait. Get an instant quote based on your budget today.

    A Tradition of Strength

    TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of March 2019 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third-highest of 16 ratings.

    TruStage® Term Life Insurance to Age 80 is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, P.O. Box 61 Waverly IA 50677. This is a term policy that increases when entering each five year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Renewable to age 80. *Time estimate source: TruStage Internal Analytics Reporting, July 2018. Approval is based on your answers to the questions on the application. TruStage life insurance policies contain specific limitations, exclusions, termination provisions and requirements for keeping them in force. Please see your policy or contact us for full details. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Product and features may not be available in all states. For coverage amounts over $100,000 rates will be higher due to tobacco use. For coverage amounts up to $100,000. Base Policy Numbers: ICC16-A10a-039, A10a-039-2016.

    © 2020 TruStage Insurance Agency

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    LGE Insurance Services, LLC (“LGEIS’) is a wholly-owned subsidiary of LGE Community Credit Union and was formed primarily to provide insurance services to Credit Union members. Insurance products are not products of the Credit Union; they are not obligations of or guaranteed by the Credit Union, and the Credit Union makes no representations as to the services of any provider.