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Term Life and Whole Life Insurance

Choose affordable term life or whole life insurance to protect the people who depend on you.

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Protection

Get term or whole life insurance to protect loved ones

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Affordable

Member-exclusive pricing on term life and whole life insurance

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Flexible

Choose the life insurance coverage that works best for you

Differences between term life and whole life insurance

While death is not always easy to think about, life insurance is a simple and powerful way to protect your loved ones after you pass away. The financial burdens on your family including mortgage payments, the cost of your funeral, daily living, and education costs can be overwhelming. Life insurance from Civic and our partner, TruStage® Insurance,1 is a way of taking care of them. 

Civic members have access to two types of life insurance policies. The first is term life insurance, an affordable coverage that can protect your family if you pass away during the specific term, or period, that the insurance covers. Whole life insurance provides permanent, lifetime coverage that can be part of long-term planning for your family. Either option helps your family avoid financial hardship when you pass away. 

Trusted by more than 20 million people, TruStage is dedicated to helping you get the most value out of your financial services — most notably, the preparedness and peace of mind that come from having reputable insurance.

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Terms

  • Lock in a rate with whole life insurance
  • Guaranteed acceptance for members ages 45 to 80
  • Term life insurance pays a benefit if you die during the covered term
  • Whole life insurance is for your life and builds cash value

Features

  • Simple application process
  • Take care of your family, even after you are gone
  • Protect them from financial stress when you pass away
  • Get quotes online

Ready to protect them?

Choose term and whole life insurance to avoid financial hardship for your loved ones after you pass away.

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Choice Certificates

Choice Certificates help you save more in stable and predictable ways.

  • $250 minimum opening as a one-time deposit 
  • Our best deposit rates and yields based on time period 
  • 6- to 60-month terms for predictable growth 
  • Reinvest dividends or take monthly payouts
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Health Savings Account

The Civic Health Savings Account is a tax-advantaged way to save and pay for qualifying medical expenses for you, your spouse, and dependents.

  • For Civic members with High Deductible Health Plans (HDHP)
  • HSA contributions for current year can be made up until April 15 of the following year
  • No tax penalties, HSA transfers custodian to custodian
  • Account has no minimum deposit requirement
You know the details matter (and you are in good company)

Here are a few FAQs

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Provide for them even after you are gone with term and whole life insurance

Plan and protect your family with life insurance from a trusted provider

1 TruStage® insurance products and programs are made available through TruStage Insurance Agency LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured, sold or guaranteed by your credit union.