2025 Trinity Life Insurance Review

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SIMPLIFIED VS. GRADED: THE UNDERWRITING QUESTIONS AND THE MANDATORY PHONE INTERVIEW

No medical exam. No needles. Just health questions, a prescription check, and a short phone call. That’s how Trinity Life decides if you can be approved.

Instead of a faceless call center approving people who shouldn’t qualify, Trinity uses the interview to make sure everything matches up. This reduces the chance of claims being delayed later.

Simplified issue applicants usually breeze through if they can answer “no” to the knockout health questions.

Conditions like controlled blood pressure or well-managed diabetes don’t automatically push you into graded. On the other hand, more serious conditions like COPD or a recent heart issue could mean I’ll need to help you explore better options.

The best part? Once the interview is done, approvals are typically only 15 minutes. That’s a quick turnaround for lifelong coverage.

Remember: As the Final Expense Guy, I guide you through the application and the interview step by step, so there are no surprises and no mistakes that could cost your family later.

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WHAT ARE THE PROS & CONS OF TRINITY LIFE INSURANCE?

Every company has strengths and limits, so here’s what stands out with Trinity Life.

TRINITY LIFE INSURANCE PROS

The biggest advantage of Trinity is their First-Day Coverage. If you qualify, your family is protected from the very first day the policy is issued. No waiting. No fine print.

Your death benefit will never decrease, and premiums will never increase. That means the price you lock in today is the same price you’ll pay for life.

Trinity also makes it easy on the wallet with Social Security payday billing, so premiums can be matched to your payday dates.

The application is straightforward. Everything can be handled right over the phone in just a few minutes.

One of the best perks is that the accelerated living benefit is included at no extra cost. If you face a terminal illness or nursing home confinement, you can access part of your benefit early.

Compared to most carriers, Trinity’s premiums are among the lowest in the industry. Add to that their lenient underwriting, and you’ll find that even with health issues, most people still qualify for first-day coverage.

TRINITY LIFE INSURANCE CONS

Trinity isn’t licensed in all 50 states. Coverage depends on whether Trinity or their sister company, Family Benefit, is approved where you live.

The maximum coverage is $25,000, which is plenty for most final expenses, but if you’re looking for larger protection, I can help you pair a Trinity plan with another plan.

Certain health conditions can limit your eligibility. For example, if you use an inhaler frequently, Trinity may not be the best fit.
They also use a height and weight chart. If you’re well above the range, you may not qualify for first-day coverage.

Remember: I’ll tell you upfront if Trinity is your best fit, and if not, I’ll match you with a carrier that gives you the same peace of mind without overpaying or being declined.

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TRINITY LIFE RIDERS – WHAT’S INCLUDED VS. OPTIONAL

Riders are the little extras that can make a big difference when life takes a tough turn. With Trinity’s Golden Eagle plan, two of the most valuable riders are built right in.

First, the Terminal Illness Rider. If you’re diagnosed with a terminal condition and expected to pass within 12 months, you can access part of your death benefit early. That money can cover medical bills, travel, or even help you spend more quality time with your family.

Second, the Nursing Home Rider. If you’re confined to a nursing home for a set period of time, you can also pull from your death benefit while you’re still alive. Many companies charge extra for this type of rider, but Trinity includes it at no additional cost.

It’s a good example of why smaller companies like Trinity can shine. They build real value into the policy, rather than nickel-and-diming you for every extra feature.

Remember: As the Final Expense Guy, I’ll show you how to take advantage of these riders, so you get the most benefit from your coverage while you’re still here.

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TRINITY LIFE OTHER BENEFITS

Every Golden Eagle policy builds cash value over time. And with Trinity, you can tap into it if you ever need to.

Policy Loans

• You can borrow up to 100% of your cash value tax-free.
• Any outstanding loan balance and interest will be deducted from the death benefit when the claim is paid; however, for many families, this can be a lifesaver in tough times.

I’ve seen clients use policy loans to cover emergencies, bridge short-term financial needs, or even assist family members in need. Having access to that money without penalties gives you the flexibility most seniors never realize they have.

Remember: I’ll show you how to use these riders and cash value options effectively, so they benefit your family instead of becoming a surprise later on.

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MAXIMUM COVERAGE: WHEN TRINITY’S $25,000 CAP ISN’T ENOUGH AND WHAT TO DO INSTEAD

For most families, a coverage range of $10,000 to $25,000 is sufficient to cover funeral, burial, and any final expenses. Trinity fits right into that sweet spot.

But what if you want more? Some clients request $40,000 or $50,000 in coverage to also cover medical debt or leave a gift for their children. Trinity’s Golden Eagle final expense plan caps out at $25,000, but that doesn’t mean you’re stuck.

Here’s how I handle it: we layer. You can pair a Golden Eagle policy with another whole life plan from a different company. Or, if you’re younger and healthier, Trinity’s term life policies can be used to add larger amounts of protection at a lower cost.

This way, you still get the stable, lifetime protection of Golden Eagle, and you’re not limited if your family’s needs stretch higher.
And, if you decide in the future that you don’t need two plans, you can cancel or reduce one of them at any time.

Remember: As the Final Expense Guy, I know how to structure coverage so you don’t outgrow your policy, even if you want more than $25,000.

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TERM LIFE FROM TRINITY: $25,000 TO $5,000,000 WITH CONVERSION – WHEN IT BEATS FINAL EXPENSE

Most people know Trinity for final expense, but here’s a surprise: they also offer term life insurance with coverage amounts as high as $5 million.

These policies are available in 10, 15, 20, or 30-year terms. They’re fully convertible, which means you can turn them into permanent coverage later without new health questions. That’s a significant concern if your health changes in the future.

One of my clients, a 45-year-old veteran, wanted enough coverage to protect his mortgage and family. Golden Eagle wasn’t enough for him, but Trinity’s term life gave him exactly what he needed. A few years from now, if he wants lifetime coverage, he can convert part of that policy into whole life without worrying about qualifying again.

That’s the kind of flexibility most people don’t expect from a company best known for burial insurance. It demonstrates the versatility of Trinity Life.

Remember: As the Final Expense Guy, I don’t just stop at burial insurance—I’ll show you when Trinity’s term life is the smarter move for your family.

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HOW DO I GET APPROVED BY TRINITY LIFE?

Trinity Life’s 1st-day coverage life insurance will ask if you’ve had health issues in the last 6, 12, or 24 months.

What Are Trinity Life’s Application Questions?

The most important part of Trinity Life Insurance underwriting is the health questions.

If you answer “NO” to all the health questions, you will qualify for first-day life insurance coverage for burial, cremation, funeral, or final expense needs.

If any answers to questions 3-12 are “YES,” the Proposed Insured is not eligible for coverage.

If any answers to questions 13-14 are “YES,” the Proposed Insured may qualify for Graded Death Benefit.

1. Proposed Insured’s Height____ Weight____ In the Past year any ( )gain ( )loss _____lbs.
2. Have you used tobacco, nicotine products, marijuana, electronic cigarette, or vaping pen/device in any form in the past 12 months?
3. Have you ever received or been given medical advice by a medical professional that you need to receive an organ or tissue transplant?
4. Have you ever been diagnosed or treated by a medical professional as having: AIDS (Acquired Immune Deficiency Syndrome), ARC (AIDS Related Complex), or HIV (Human Immunodeficiency Virus) virus?
5. Have you ever been diagnosed by a medical professional with a terminal illness, end-stage disease, congestive heart failure or cardiomyopathy?
6. Have you ever been diagnosed by a medical professional for or taken medication for: dementia, Alzheimer’s disease, mental incapacity, Downs Syndrome, Huntington’s disease, Lou Gehrig’s disease (ALS), cystic fibrosis, cerebral palsy, muscular dystrophy, or sickle cell anemia?
7. Are you currently, or within the past 6 months, have you been: hospitalized, bedridden, used oxygen to assist in breathing, confined to a wheelchair, nursing home, hospice, received home health care or been on dialysis?
8. Within the past 12 months, have you been diagnosed by a medical professional for, or been hospitalized for: heart attack, stroke, transient ischemic attack (TIA), angina, aneurysm, or had cardiac or circulatory surgery of any kind to improve circulation to the heart or brain?
9. Within the past 12 months, have you been: hospitalized two or more times or been advised by a medical professional to have surgery, hospital confinement, or nursing facility confinement and have not done so?
10. Within the past 24 months, have you been diagnosed or treated by a medical professional for or taken medication for internal cancer, leukemia, or melanoma?
11. During the past 24 months, have you been: advised by a medical professional to have any diagnostic testing recommended, except for an HIV test, which has not been completed, or for which the results have not yet been received, or had or been advised to have treatment or counseling for alcohol or drug abuse?
12. During the past 24 months, have you been treated by a medical professional for insulin shock, diabetic coma, or amputation caused by disease, or have you ever taken insulin shots prior to age 40?
13. During the past 24 months, have you been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for: heart attack, stroke, transient ischemic attack (TIA), angina, aneurysm, or had cardiac or circulatory surgery of any kind (pacemaker, heart valve replaced, bypass, angioplasty, stent implant) to improve circulation to the heart or brain?
14. Have you ever been diagnosed as having: multiple sclerosis, epilepsy, schizophrenia, Parkinson’s, nephropathy, neuropathy, retinopathy, chronic kidney disease or failure, systemic lupus, hepatitis B or C, cirrhosis of the liver, liver disease, liver failure or lung impairments (including chronic obstructive pulmonary disease (COPD), chronic asthma, chronic bronchitis, emphysema or fibrosis).

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HOW TRINITY HANDLES CLAIMS & COMPLAINTS (BBB, NAIC, AND WHAT TO DO IF YOU’RE STUCK)

When it comes to life insurance, the real test is how a company pays claims. Trinity has a strong track record in this area. Families often see claims processed quickly once the paperwork is complete.

The Better Business Bureau (BBB) gives Trinity an A+ rating. That’s not easy to get. It demonstrates that they’re responsive and address customer issues promptly when they arise.

You’ll also find that the NAIC Complaint Index for Trinity is consistently low. In plain English, that means they get fewer complaints compared to other companies of their size.

Do some complaints exist? Sure. Every insurance company in the world gets a few. But what matters is how they respond. And Trinity’s history of resolving issues is what keeps them trusted.

Remember: As the Final Expense Guy, I’m here to help your family if a claim ever gets delayed. I know who to call and how to get things moving.

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FEES, BILLING, AND DRAFT DATES: HOW PAYMENTS ACTUALLY WORK (ACH, CARDS, SOCIAL SECURITY DRAFTING)

Paying for your policy should be simple. With Trinity, it is.

Most people set up an automatic bank draft (ACH). That’s the smoothest way, and it ensures you never miss a payment.

For those who prefer, you can also pay with a debit or credit card; however, this is a substandard payment method that Trinity monitors closely, so it is often unavailable.

Here’s a detail many clients appreciate: you can align your premium draft with your Social Security deposit date. That way, the money leaves your account right after your benefits arrive, not before. It alleviates a significant amount of stress for people on fixed incomes.

And unlike some companies that tack on hidden billing fees, Trinity doesn’t charge extra for choosing ACH. That keeps your premiums affordable.

Remember: As the Final Expense Guy, I’ll help you set up payments on the exact day that works best for you, so your coverage never lapses.

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TRINITY VS. SISTER COMPANY (FAMILY BENEFIT LIFE): WHY YOU’LL SEE BOTH NAMES AND WHAT’S DIFFERENT

If you start shopping for Trinity and suddenly see “Family Benefit Life” pop up, don’t worry. They’re part of the same parent company, First Trinity Financial Corporation.

Here’s how it works: Trinity Life isn’t licensed in every state. In states where they aren’t, Family Benefit Life offers nearly identical products. That way, people across more of the country can still access the Golden Eagle plan.

It’s not two different companies competing with each other. It’s two branches of the same tree, working together to expand coverage.

The key thing to know is this: whether your policy is issued by Trinity Life or Family Benefit Life, you’re still backed by the same financial strength and customer service system.

Remember: As the Final Expense Guy, I’ll match you with whichever company serves your state, so you don’t have to figure it out on your own.

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COMPANY OVERVIEW

Trinity Life Insurance Company is part of First Trinity Financial Corporation, based in Tulsa, Oklahoma.

The company has been serving families since 2011 and is licensed to sell life insurance across a wide range of states. That includes Alabama, Arizona, Arkansas, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, and West Virginia.

Their headquarters are located at:
7633 East 63rd Place
Suite 230
Tulsa, OK 74133

If you need to reach them directly, here’s how:
Website: www.trinitylifeinsurance.com
Email: info@trinitylifeinsurance.com
Phone: (918) 249-2438
Customer Service: (866) 211-0811

Trinity’s structure is simple and personal. You’re not dealing with a faceless mega-corporation. You’re working with a company that’s been growing steadily by focusing on seniors, families, and final expense coverage.

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DOES TRINITY LIFE HAVE ANY CONSUMER COMPLAINTS?

Here’s another strong point in their favor: Trinity has no complaints listed with the National Association of Insurance Commissioners (NAIC).

That’s rare in the insurance world. Most carriers, even the big names, have at least a handful of complaints on file. The fact that Trinity doesn’t is proof that their clients are well taken care of.

Remember: I’ll always point you toward companies with a clean history, strong ratings, and real proof that they put families first. That’s why Trinity is one of my top picks.

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WHO SHOULD BUY TRINITY & WHO SHOULDN’T

Trinity shines for seniors seeking reliable, affordable final expense coverage without the gimmicks. If you’re between 50 and 85, and you need $2,500 to $25,000 to cover a funeral, burial, or cremation, their Golden Eagle plan is tailor-made for you.

It’s also a great fit for individuals who want immediate coverage but still require some flexibility. Even those with health conditions who don’t qualify for level coverage can often get a graded plan instead of being turned away.

Who is it not right for? If you’re looking for $100,000 or more in permanent coverage, you’ll need to look at a different carrier or combine policies. But even then, Trinity can often be part of the solution when layered with other options.

Remember: As the Final Expense Guy, I’ll tell you straight when Trinity is the right fit, and when another company might serve your needs better.

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HOW CAN I GET TRINITY LIFE INSURANCE PRICING?

TRINITY LIFE INSURANCE RATES AGE 50-80
AGE	$10,000	$15,000	$20,000	$25,000
50	F: $21.78 M: $27.35	F: $31.37 M: $39.73	F: $40.97 M: $52.12	F: $50.57 M: $64.50
52	F: $24.52 M: $29.26	F: $35.49 M: $42.60	F: $46.46 M: $55.93	F: $57.43 M: $69.27
54	F: $25.62 M: $31.47	F: $37.14 M: $45.91	F: $48.66 M: $60.36	F: $60.18 M: $74.80
56	F: $27.11 M: $34.25	F: $39.37 M: $50.08	F: $51.63 M: $65.91	F: $63.90 M: $81.74
58	F: $29.51 M: $37.69	F: $42.97 M: $55.24	F: $56.43 M: $72.79	F: $69.90 M: $90.34
60	F: $32.60 M: $41.74	F: $47.61 M: $61.31	F: $62.63 M: $80.89	F: $77.64 M: $100.47
62	F: $36.02 M: $46.28	F: $52.74 M: $68.13	F: $69.45 M: $89.97	F: $86.17 M: $111.82
64	F: $39.51 M: $51.17	F: $57.97 M: $75.47	F: $76.44 M: $99.76	F: $94.90 M: $124.06
66	F: $43.10 M: $56.43	F: $63.37 M: $83.36	F: $83.63 M: $110.29	F: $103.89 M: $137.21
68	F: $47.11 M: $62.29	F: $69.38 M: $92.15	F: $91.64 M: $122.00	F: $113.91 M: $151.86
70	F: $52.03 M: $69.23	F: $76.76 M: $102.56	F: $101.48 M: $135.88	F: $126.21 M: $169.21
72	F: $58.40 M: $78.01	F: $86.31 M: $115.73	F: $114.23 M: $153.44	F: $142.14 M: $191.16
74	F: $66.68 M: $89.53	F: $98.74 M: $133.00	F: $130.79 M: $176.47	F: $162.84 M: $219.95
76	F: $77.15 M: $104.59	F: $114.44 M: $155.60	F: $151.72 M: $206.61	F: $189.01 M: $257.61
78	F: $89.87 M: $123.57	F: $133.52 M: $184.07	F: $177.16 M: $244.57	F: $220.81 M: $305.06
80	F: $104.83 M: $145.79	F: $155.96 M: $217.39	F: $207.09 M: $288.99	F: $258.22 M: $360.60

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QUOTES & NEXT STEPS: DOCUMENTS YOU NEED, TIMELINES, AND EXPECTATION SETTING

Getting a quote with Trinity is simple. I’ll start with your basic information: age, state of residence, health history, and the amount of coverage you want. From there, I can usually provide you with accurate rates within minutes.

The application is quick, and once we complete the phone interview, we’ll notify you of your approval immediately.

You don’t need piles of paperwork, either. Just a valid ID, banking information for payment, and your health answers. That’s it.

The next best step is to compare Trinity’s rates side by side with those of other top carriers. That way you can see for yourself if it’s the right move for your family.

Remember: As the Final Expense Guy, I’ll walk you through the quotes and the application step by step, so you never feel lost or pressured.

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FREQUENTLY ASKED QUESTIONS: TRINITY LIFE INSURANCE

What is Trinity Life Insurance Company rated? Trinity Life Insurance has a B++ (Good) rating from A.M. Best, which means it is financially stable but not in the top tier. Ratings like A or A+ are considered stronger. Always compare ratings before choosing an insurer.

What life insurance company denies the most claims? No company advertises denying claims, but complaints often come from low-rated insurers and call center policies. Companies like Colonial Penn and Lincoln Heritage have higher-than-average consumer complaints. The safest bet is to stick with A-rated carriers.

How to cancel Trinity Insurance? You can cancel by contacting Trinity Life Insurance directly in writing or by phone. Most policies allow cancellation at any time, although refunds depend on the terms and whether the cancellation occurs within the “free look” period.

Who owns Trinity Underwriting? Trinity Life Insurance Company operates under Trinity Financial Services and has underwriting relationships with partner agencies. Ownership details should always be confirmed with the state Department of Insurance filings.

How much is a $10,000 life insurance policy worth? A $10,000 life policy pays exactly $10,000 to the beneficiary when the insured dies, as long as the policy is active. The only exceptions are if the policy has a waiting period or exclusions written in the contract.

How do I calculate the cash value of my life insurance policy? Cash value depends on the type of whole life policy, how long you have owned it, and the interest or dividend rate. Your insurer’s annual statement shows the current balance. In the early years, the cash value is minimal.

What death is not covered by life insurance? Most policies exclude suicide in the first two years. Fraud or lying on an application can also void coverage. Otherwise, all natural and accidental deaths are covered once the policy is in force.

At what age should you stop paying life insurance? It depends on the policy. Whole life lasts forever as long as you pay. Term life ends when the term ends. Many seniors switch to smaller final expense policies later in life.

Which is better, term or whole life insurance? Term life is better for large amounts of coverage if you are younger and protecting your income. Whole life is better for seniors looking for small permanent coverage for burial. The wrong choice is buying what a call center pushes without comparing.

Should I get life insurance at 70? Yes, if you do not have money set aside for final expenses. At 70, coverage is more expensive, but final expense insurance can still protect your family from funeral bills.

At what point is life insurance not worth it? If premiums eat up your retirement income and you already have money for funeral costs, it may not be worth keeping. Life insurance should solve a financial problem, not create one.

What’s the typical cost of life insurance at 70+? Final expense whole life for someone in their 70s can range from $70 to $200 a month for $10,000 coverage. Rates depend on health and the insurer.