2023 Trinity Life Insurance Review

Our Trinity Life insurance review will help you if you consider purchasing a final expense policy from them for burial, cremation, final expenses, or funeral insurance. This review will cover all your information about their burial insurance products.

Trinity Life is one of the best life insurance companies, and when suitable, we recommend their burial insurance products often.

This Trinity Life burial insurance review will help you decide if their plans fit you best.

Table of Contents

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What to Ask Before Buying Trinity Life Insurance

What Are My Policy Options With Trinity Life?

Trinity Life offers two final expense products. The Golden Eagle first-day coverage plan and their Golden Eagle graded death benefit plan.

Golden Eagle First-Day Coverage: Their 1st-day coverage option is one of the best products in the entire senior life insurance market. We highly recommend it for its low rates and easy approval process.

This is the recommended coverage and the one we help the most people with at Funeral Funds of America.

Golden Eagle Graded Death Benefit: This coverage offers minimal coverage from day 1 through 12 months based on a sliding modal factor dependent on age and gender. In months 12-24, it will pay out 50%. After 24 months, the policy will pay out 100% for any death.

Issue Ages 50-85 years old
Benefit amount $2,500 - $25,000
Level premiums Premiums will never increase
Level benefit Death benefit will never decrease
100% accelerated living benefit Benefits may be accelerated due to terminal illness or nursing home confinement
Cash valueAccumulate cash value over time

How is Trinity Life burial insurance good for Seniors?

Trinity Life is one of the best companies available if you want first-day insurance coverage for burial, cremation, final expenses, and funeral funding.

Their Golden Eagle Final Expense plan for seniors has no doctor visits, no medical tests, and your coverage starts immediately on your first payment date.

They are also one of the most flexible insurance companies if you have health problems. All the normal health issues as people get older are accepted for first-day coverage. Most seniors will qualify for first-day coverage with Trinity Life.

Your beneficiary will receive your full death benefit when you pass away.

Does Trinity Life Have Any Hidden “Fine Print” In Their Policy?

Trinity Life graded benefit plan has a sliding modal factor.

The death benefit is phased in for the first two years. If you die during the 12-24 months, your beneficiary will receive 50% of the death benefit.

On the 25th month and beyond, the policy will pay the full death benefit to your beneficiary.

Trinity’s first-day coverage plan is incredible. Their graded plan is not one we really recommend, as we do have other companies that are often a better fit than a graded plan.

What Are The Pros & Cons Of Trinity Life Insurance?


  • First-day Coverage plan is available
  • The death benefit will never decrease
  • You can opt for Social Security payday billing
  • Simple application and approval process over the phone
  • Accelerated living benefits are added at no additional cost
  • Trinity Life offers lower premiums than almost all other insurance companies
  • Trinity Life has lenient underwriting most health issues qualify for first-day coverage


  • Trinity Life is not available in 50 states
  • Limited coverage amount of $25,000 maximum
  • They are not appropriate for people who use inhalers on a monthly basis
  • Trinity Life has a height & weight chart. Overweight and obese may not qualify.

Are There Any Riders Or Other Benefits With Trinity Life Life Insurance?

Trinity Life Riders

  • 100% Accelerated Living Benefit1: “Benefits may be accelerated if the insured is diagnosed with a terminal illness that, with reasonable medical certainty, will result in the death of the Insured in 12 months or less.”
  • Nursing Home Confinement1: “Benefits may also be accelerated if the Insured is confined continuously to a Qualified Nursing Home, with confinement expected to continue until the Insured’s death. Nursing Home confinement must begin after the effective date of this policy.”

Trinity Life Other Benefits

  • Policy Loans: “You can borrow up to 100% of your cash value. This is tax-free. Loans reduce your cash value amount and are subtracted from your death benefit. The interest on policy loans varies by state.

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).

Does Trinity Life Have A Same Day Approval Process?

Trinity Life has a simple application process. You can apply over the phone with an agent at Funeral Funds of America.

We can get you approved within 15-minutes over the phone.

How Can I Get Trinity Life Insurance Pricing?

Trinity Life rates are based on your age, gender, health, coverage amount, and the state you live in at the time of application.

60 $17.59
65 $21.93
70 $27.30
75 $37.11
80 $53.71

60 $22.16
65 $28.17
70 $35.90
75 $49.58
80 $74.18

*Pricing is for illustration purposes only and is subject to change without notice.

How does Trinity Life insurance compare?

If you are open to looking at better insurance companies with better rates, we can offer you some help!

Common Trinity Life Company Questions

What Is Trinity Life’s Operational History

Trinity Life Insurance Company is owned and operated by its parent company First Trinity Financial Corporation, based in Tulsa, Oklahoma.

They have been in business since 2011 and are licensed to sell life insurance in the following State: 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.

Company Address

7633 East 63rd Pl.
Suite 230
Tulsa, OK, 74133

Contact Info

Website: www.trinitylifeinsurance.com
Email: info@trinitylifeinsurance.com
Phone: (918) 249-2438
Customer Service: (866) 211-0811

What Is Trinity Life’s Financial Rating?

Trinity Life has an A+ (excellent) rating from Better Business Bureau. This rating indicates the company’s excellent customer service and ability to pay claims.

Does Trinity Life Have Any Consumer Complaints?

Trinity Life Insurance has no complaints listed on the National Association of Insurance Commissioners (NAIC).

What Should You Know Before Buying Trinity Life Life Insurance?

What is Trinity Life’s Sales Process?

Trinity Life is a “Non-Captive Carrier.”

This means that individual licensed agents can sell Trinity Life insurance products.

Insurance agencies, like Funeral Funds of America, have full access to all Trinity Life products if we ever want to sell them.

Informed buyers know that almost all other life insurance companies offer better coverage and rates, and most come with no waiting period.

When does Trinity Life make the most sense?

Trinity Life is best for people with significant health problems. Most health problems that will only qualify for the guaranteed issue policy with a two-year waiting period are accepted for Trinity Life graded benefit plan.

With a graded benefit plan, you will still receive 50% of the death benefit if you die during the first two years of the policy. This feature is unique to Trinity Life Insurance.

Are Any Health Conditions Not Accepted By Trinity Life?

These health issues are not accepted for Golden Eagle’s first-day coverage plan:

  • Activities Of Daily Living (ADLs)
  • Alzheimer’s or Dementia
  • AIDs, HIV, ARC
  • Current Cancer
  • Congestive Heart Failure
  • Cardiomyopathy
  • Dementia
  • Dialysis
  • Diabetic Amputation
  • End-stage Renal Disease
  • Hospice
  • Inhaler use more than 1X a month
  • Nursing Home Confinement
  • Organ or Tissue Transplant
  • Oxygen Use
  • Terminal Illness

How Can I Get Pricing Help Today?

Use our quoting software below to see how Trinity Life’s pricing compares to other companies.

  • $10,000 to 15,000 is often appropriate for burial needs
  • $3,000 to $7,000 is often appropriate for cremation needs

What Are The Top 10 Questions About Trinity Life?

Who owns Trinity Life Insurance? Trinity Life Insurance is a subsidiary of First Trinity Financial Corporation, an insurance holding company in the US.
How can I access Trinity Life claim form? The claim form for Family Benefit Insurance can be found by clicking on the “Forms” button on their website.
What is the maximum age for a policy with Trinity Life The maximum age for a policy with Trinity Life is 85 years old.
What does Trinity Life insurance cost? The cost of life insurance with Trinity Life insurance depends on age, gender, coverage amount, location, and health.
Is Trinity Life insurance expensive? Trinity Life insurance has competitive pricing.
Can I borrow money against my life insurance policy with Trinity Life? You can borrow money against your life insurance policy with Trinity Life.
What other benefits does Trinity Life offer? Trinity Life Life offers different riders, such as accidental death and nursing home benefit.
Does Trinity Life insurance expire? Life insurance policies with Trinity Life do not expire.
Can I make changes to my policy with Trinity Life? Yes, you can make changes to your policy with Trinity Life.
What are the common terms used when searching for Trinity Life Insurance
    Here are some common terms people use when searching for, or describing Trinity Life life insurance Products:
  • Trinity Life Burial Insurance
  • Trinity Life Cremation Insurance
  • Trinity Life Final Expense Insurance
  • Trinity Life Funeral Insurance
  • Trinity Life Term Life Insurance
  • Trinity Life Universal Life Insurance
  • Trinity Life Whole Life Insurance

Sources Cited In This Article:

Trinity Life Insurance Website. “Golden Eagle Final Expense.” Accessed November 11, 2022. https://trinitylifeinsurance.com/golden-eagle-final-expense

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