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Compliance Office

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NON-DISCRIMINATION STATEMENT

Effective Date: 05-15-2025

EternaTrust Insurance Group LLC (“EternaTrust,” “we,” “our”) is committed to treating all individuals with fairness, dignity, and respect.

We do not discriminate on the basis of race, color, national origin, religion, sex, gender, gender identity, sexual orientation, marital status, disability, age, genetic information, military status, citizenship, or any other characteristic protected by federal or state law.

This Non-Discrimination Statement applies to:

  • Our website
  • Customer interactions
  • Agent communications
  • Information provided to carriers
  • Marketing and educational content
  • Application assistance
  • Retention and service interactions

1WE DO NOT DISCRIMINATE IN ANY SERVICE WE OFFER

EternaTrust does not discriminate in:

  • Providing insurance information
  • Offering quotes
  • Assisting with applications
  • Handling customer support
  • Communicating with applicants or policyholders
  • Providing access to EternaSync or digital tools

All users have equal access to the services we provide.

2UNDERWRITING IS DETERMINED BY THE CARRIER ONLY

Insurance underwriting decisions — including approval, pricing, and eligibility — are made solely by Insurance Companies, not by EternaTrust.

Underwriting may consider factors allowed by law, such as:

  • Health history
  • Age
  • Tobacco use
  • Medical conditions
  • Prescription history
  • Financial information (when required)

EternaTrust:

  • Does not influence these decisions
  • Does not discriminate based on personal characteristics
  • Ensures all submitted applications are evaluated equally

3LANGUAGE ASSISTANCE STATEMENT

We aim to make our services accessible to everyone.

Upon request, we may provide assistance through:

  • Simplified explanations
  • Bilingual agents
  • Step-by-step guidance through applications
  • Accessible communication formats

This is offered at no additional cost to the consumer.

4ACCOMMODATIONS FOR INDIVIDUALS WITH DISABILITIES

Consistent with ADA principles:

  • We provide accessible alternatives for website content
  • We assist applicants via phone if they cannot use digital tools
  • We provide reasonable accommodations to support communication

See our Accessibility Statement for more details.

5NO RETALIATION POLICY

EternaTrust prohibits retaliation against any individual who:

  • Files a complaint
  • Requests accommodations
  • Asserts their rights
  • Provides feedback
  • Reports discrimination concerns

All concerns are handled confidentially and professionally.

6HOW TO REPORT DISCRIMINATION OR REQUEST ASSISTANCE

If you believe you were discriminated against or need assistance, contact us:

EternaTrust Insurance Group LLC

Compliance Office: CLICK HERE

We will:

  • Review complaints promptly
  • Investigate thoroughly
  • Take corrective action if needed
  • Provide updates on the resolution

7STATE & FEDERAL PROTECTIONS

Consumers may also contact:

  • U.S. Department of Health & Human Services — Office for Civil Rights https://www.hhs.gov/ocr
  • State Department of Insurance (varies by state)

These agencies enforce anti-discrimination laws applicable to insurance operations.

8CHANGES TO THIS STATEMENT

This Statement may be updated periodically to reflect:

  • Legal changes
  • Regulatory updates
  • Operational improvements

Updates will be posted with a new effective date.

9COMMITMENT TO FAIRNESS

  • Treating every applicant with respect
  • Ensuring equal access to insurance information
  • Supporting inclusive service practices
  • Maintaining transparency in all interactions

We believe every individual deserves fair and equitable treatment.

TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Product and features may vary and not be available in all states. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC.

TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2.

TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Base Form Numbers: ICC16-GAWL & 2016-GAWL.

TAWL2, GAWL, SIT1, SIT2-8658941.1-1225-0128