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Business Profile

Insurance Companies

CMFG Life Insurance Company

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for CMFG Life Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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CMFG Life Insurance Company has 5 locations, listed below.

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    Customer Complaints Summary

    • 26 total complaints in the last 3 years.
    • 6 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/27/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On August 21st 2024 I was on my phone looking at life insurance policies . True stage I started an application for a $25,000 whole life insurance policy I never completed this application then they sent me billing since August 21st 2024 of $101 every month taking out of my checking account I also called the company and stayed at this to them they in return sent me a copy of what they said I filled out online now I would not have given my bank account number or the bank that I work with because I didn't get that far on the application I got to filling it out to the beneficiaries did not answer any of the health questions All of a sudden y'all are billing me and when I cancel my policy and explain this to the person on the phone they tell me that I cannot get my money back and I only got $10 back I feel this is unfair and it needs to be looked into by your fraud department I would not recommend your company do anyone especially when they go to fill it out online

      Business Response

      Date: 04/02/2025

      Please see company response.

    • Initial Complaint

      Date:03/27/2025

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      TRUSTAGE LIFE INSURANCE COMPANY CASHED A CHECK AND THE AMOUNT OF $21.95 FROM MY BANK ALLIANT CREDIT UNION, THE CHECK NUMBER IS #****.YET I HAVE NO POLICY OR POLICY NUMBER. WHEN I CALLED THE CUSTOMER ********************** LINE IS HOLDING SOMEONE WHO SAID THAT THEY DID NOT CASH THE CHECK THEY CAN'T FIND THE CHECK ...TRUSTAGE HAS NO INSURANCE POLICY IN MY NAME AND I CALLED CMFG WHO IS THE PERSON THAT CASH THE CHECK. WHEN I CALL CMFG AND THEY LED ME BACK TO TRUE STAGE AND AGAIN THEY ARE DENYING THE CHECK CASHING AND THE POLICY. WHAT IS GOING ON? HOW COME I AM OUT OF $21.95 YET I HAVE NO LIFE INSURANCE POLICY? PLEASE HAVE BETTER BUSINESS BUREAU INVESTIGATE THIS COMPANY TRUE STAGE LIFE INSURANCE AND CMFG LIFE INSURANCE COMPANY FOR FRAUD!!

      Business Response

      Date: 04/02/2025

      Please see attached response.

      Customer Answer

      Date: 04/12/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.A refund check has been received.

      Sincerely,

      Talathian *******

    • Initial Complaint

      Date:01/13/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We sent in a request for life insurance coverage on 12/11/2024 we received the policy on 12/31/2024 with the policy and amount of payment this company without notifying us prior to the date they took money out of our account on 12/30/2024 without our authorization and acceptance of the life insurance policy. I canceled on 01/02/2025 And they said they would refund the money within 4 to 5 days .I called again on 1/13/2025 and questioned it it is still active in their system and they are telling me that it should be processed this week which they will not give me an email Notification that my policy was canceled and my refund is being processed even though we have opted to receive email notifications and documentation from them and they refused to give it, telling me its illegal for them to do that but its OK for them to send documentation as to their policy that is on their website on our account that we have given consent for email notifications and documentation they are giving me a runaround, we only have 30 days to cancel from the date that they issued the policy, that was effective on 12/20/2024 but we did not receive the policy packet till 12/31/2024 with the pricing of the policy, they did take the money out the day prior 12/30/2024. I have sent an overnight letter to them as of today Monday, January 13, 2025 with an overnight delivery date of Tuesday with a confirmation for Wednesday, January 15, 2025 giving us only five days for them to respond with proper notification of our cancellation of policy and status of our refund which they said that we would have that within 4 to 5 days on 01/02/2025 . I am looking for a full restitution of our refund. Will be filing a complaint with the national insurance commission as well.

      Business Response

      Date: 01/17/2025

      Please see the attached response.

    • Initial Complaint

      Date:09/24/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Contact the company regarding my balance is increasing instead of decreasing. I borrowed a $1000 against my insurance policy which the company drafts my premiums out of my account monthly at $39.00 a month. I have paid $600 toward my loan but my balance increases monthly. I paid a total of $600 toward my loan. This company is ripping me and probably other senior citizens. I called several time trying to get an explanation but it does not make sense. Please help me get my money applied to the loan. My account/policy # is ************. Please help or please advise.

      Business Response

      Date: 10/02/2024

      Please see the attached company response.

    • Initial Complaint

      Date:07/02/2024

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Every other month this company is spending double statements for Insurance coverage Iam on an supplemental income which puts me an added burden. I do not like the way they post payments each month ************ is my four payments This presents a hardship in finances Iam not covered with no Insurance right now. Iam a 74 year senior I need those payments to Insure Myself

      Business Response

      Date: 07/09/2024

      Please see attached response.

    • Initial Complaint

      Date:06/05/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Today I was charged $1000 ($318 for me; $675 for husband) for term life insurance coverage that I had called and told them I did not want. Our old policy is coming to an end and they are rolling us automatically to a new policy.They sent me a letter stating when my cover ended June 19th, the charge would go from $24 and $36 a month, to $318 and $675 a month. I was told I would have to call back closer to the date of cancellation.Today I see they took the money from me that I did not authorize.

      Business Response

      Date: 06/12/2024

      Please see the attached response.

      Customer Answer

      Date: 06/14/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *********************

    • Initial Complaint

      Date:04/23/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      4/10 Policy ballooned from ***** to ****** without notice. Called that day to inquire and ultimately cancel policy. The representative stated I would have to fill out some forms and get them faxed over before a refund could be issued by end of month. Filled out forms provided and since it was not clear, added verbiage in the comments to clarify the request was for policy cancellation and refund. Forms faxed that same day on 4/10/24 with confirmation of receipt. Called today to inquire to learn policy has NOT BEEN CANCELLED, said I filled out the wrong forms (they provided) and they could not speak to me about my policy but could only regular mail the correct forms but the policy would still be in effect until I sent back new forms and prorated. I asked to speak to a manager and was put on phone hold and no one ever picked up to discuss. Attempted to chat online, no response to chat box. Feels like a scam to keep my premium payment or make it hard to cancel my policy. When you search online for cancel, there is no place to do so and the results that come back are for cancer..not cancel. When trying to fill out an email request, it will not send, says to call representative, who told me they can not discuss details of the policy, can only mail out forms.

      Business Response

      Date: 04/30/2024

      Please see attached response.

    • Initial Complaint

      Date:03/06/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On January 23, 2024, I called to get my monthly payments lowered for the two policies that I was paying for my self and my son, ******. For ****** they sent a letter stating that the application for life insurance dated June 05, 2023 was incomplete and that a refund check in the amount of $127.82 was going to be sent. This is now the month of March 2024 and no check has been sent. We have called numerous times to get this resolved and all agents , including a "supervisor" who stated he is the only person at the company hung up on us. This has gotten out of hand and now I don't know how legit this company is. Sounds pretty fraudulent to me. I need my money back. I have asked to issue out another check and send it *** and yet I get hung up on. I just called today, March 06. 2024 and the so called supervisor refused to help me and he kept repeating he's the top person on the floor when I asked to speak to his boss, he then got quit for 3 mins, and terminated the call. All I want is my money without all the adolescent games.

      Business Response

      Date: 03/13/2024

      Please see attached.

    • Initial Complaint

      Date:03/05/2024

      Type:Product Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Complaint against: CMFG Life Insurance, subsidiary of TruStage Financial Group. Ph.# ************. My mother (*********************, policy #**********) was scheduled to receive her FIRST long-term healthcare policy check of $5775 on 2/20/24 after paying into the program for 20+ years, qualifying for benefits and waiting the 90 day elimination period. When her check didn't arrive (11 days after it was supposed to be paid), I called to check on it and was told there is an issue with the payment vendor and they do not know when the check will be sent. I asked why the payment could not be sent via ACH to my mother's bank account, which is how her premiums are paid (directly from her bank account), I was told that's not an option. So, the company gladly accepts premiums electronically but won't send payments TO THE SAME ACCOUNT??? No one was able to explain what that's not possible. I asked what their contingency plan was for when they are unable to send monthly payments to their clients and was told their contingency plan is with the same payment vendor. That is not a contingency plan! I was told that I would receive an update today (3/4/2024), I did not. So, I called again, and was told a supervisor would return my call. That has not happened. My mother is relying on this payment to pay for her room at a memory care facility and will soon be in arrears with absolutely no resolution in sight (at least none that I've been told). I'm sure that my mother is not the only insured anxiously awaiting their payments and instead receiving only excuses.

      Business Response

      Date: 03/14/2024

      Please see attached.

    • Initial Complaint

      Date:02/27/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Certificat Number: ********** R1758103 Insured: *************************** Effective Date: 01/01/2023 Family Plan January 1st of 2023, I inadvertently mailed out an Accidental Death and Dismemberment policy. After about 9 months my wife asked why a deduction for $45 was being made to this policy? I had forgotten about it and told her I didn't know what she was talking about. After looking into it, I found it was for the aforementioned policy. I called the company and explained to them what had happened. The person stated that I wouldn't receive any refund, and it would be terminated. I truly expected not to receive any refund for my own fault! Checking my bank statement this January and it's still being deducted. At $45 a month for currently 12 months the total cost should be $585, my bank statement shows a total deduction of $3,386.57. I would truly be happy with getting back the $2,801.00 Thank you for your time in this matter.

      Business Response

      Date: 03/04/2024

      Please see attached response.

      Customer Answer

      Date: 03/05/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      ***************** *****

    CMFG Life Insurance Company is NOT a BBB Accredited Business.

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