More Options, Better Choices
True Security Life is on the cutting edge of the insurance industry, offering you
two ways to find the right policy for your family:
Tap into our 25+ years of underwriting experience in all 50 states. Combine this with our deep roots with all the major national insurance carriers so we can help you find the best policy based on your family’s needs.
We leverage technology that focuses on a direct-to-consumer model where you can choose your own policy with guaranteed coverage in minutes, with no medical exams and no need to speak with any salesperson.
Access to 30+ national carriers
True Security Life proudly partners with top-rated carriers to provide a diverse range of insurance products. This enables our agents to customize options that perfectly fit your unique risk profile and financial needs.
Policy Options
The type of life insurance you choose should be based on what you want from your insurance policy.
Term life insurance provides coverage for a limited period of time. It comes with a smaller initial premium and is typically purchased in large amounts to help with your short-term goals.
- Provides coverage for a limited time period (term), as long as premiums are paid
- Provides a death benefit, but typically no cash value
- Initially, less expensive form of life insurance
- May be renewable or convertible
Permanent life insurance (often called “Whole Life”) provides lifetime coverage and consistent premiums. This type of coverage also offers a guaranteed return on your policy’s cash value.
- Provides lifetime coverage, as long as premiums are paid
- Cash value accumulates over time and can be accessed during your lifetime
- Level premiums for the length of the policy
- May offer flexible premium payments
Universal Life is a form of permanent life insurance with the additional benefit of a savings and investment element. Some options are flexible premium, while others use single or fixed premiums.
- Types include UL, Indexed UL (IUL) & Variable UL
- Borrow against cash value with no tax implications
- Offers both death benefit and cash value elements
- Savings can accumulate throughout the life of the policy
Final expense insurance is a whole life policy that pays medical bills and funeral expenses when you die. It’s a limited, inexpensive policy compared with others.
- Death benefit is guaranteed as long as you pay your premiums
- Often purchased at age 50 or older
- Average funeral costs are $8,000–$10,000+
- Policies can have waiting periods from 1 to 3 years
Finding the Right Policy
Life insurance offers a range of benefits for you and your family. These include financial security, retirement planning, mortgage protection, final expense, business protection, tax deductions and insurance loans. The benefits you want for your family will determine what type of policy you need. Asking the right questions is therefore critical when selecting a life insurance policy:
- How much coverage do I need?
- How long do I want to pay premiums?
- What type of life insurance should I buy?
- Will I need flexibility for my premiums?
- How long will I need the policy?
- Will I need cash value?
Find the answers to these questions here: Life Insurance Basics Choosing your Life Policy
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