About Truleg

Truleg is a creative solutions life insurance agency that prides itself on educating its clients on how they can use life insurance to leave behind a legacy for their loved ones. There are many benefits life insurance provides and preparing families for financial independence after the sudden or expected loss of a loved one is essential. With many life insurance companies to choose from, we save our clients time and money by doing all the shopping around for them and finding a plan that fits each clients needs and budget. Here at Truleg, our mission is to treat each one of our clients as family. Our primary focus is to provide value to those who want and need it in order to ensure the family legacy is protected.

Our name Truleg came about because Briana Prince the owner of the company wanted the company to represent “Trust” since that word represents who she is as a person and she also wanted her company to represent “Legacy” because legacy is ultimately what we leave behind when we pass away. She combined those two words and came up with the name Truleg.

Our goal here at Truleg is to change the narrative of how we think about death and instead consider the legacy we leave behind. Even though life insurance is about so much more than just the death benefit, one of the narratives we want to tackle is how we think about death. Death is a natural part of life and we do not believe it should be a taboo subject…it should be embraced. This is why we want to change how people think about death and instead embrace 2 Columnand celebrate the fact that we had the opportunity to meet and know the loved one that passed away.

One way we have chosen to leave our legacy is by giving back to those who need it. We are committed to giving 10% of all the money we make to a charity. We will also be hosting monthly events and fun to help educate people on life insurance and incorporate fun at the same time.

Every person leaves behind a legacy, the question you must ask yourself is “what legacy are you leaving behind?” “what’s your legacy”

Frequently Asked Questions

Common Questions Answered for your convenience.

Do I have to take a blood and urine exam?

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How long does it take to qualify for a life insurance policy?

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What type of life insurance is best for my family—term or whole life?

It depends on your needs and budget. Term life is affordable and covers a set period, like 10, 20, or 30 years, while whole life offers lifelong coverage with cash value accumulation but has higher premiums. Term is best for temporary needs, while whole life is better for long-term planning.

What factors affect my life insurance premium?

Premiums depend on age, health, lifestyle, the type and amount of coverage, and the length of the policy. Riskier factors, like smoking or high-risk hobbies, may increase premiums.

Can I customize my life insurance policy with riders?

Yes, most policies allow riders for added benefits, like critical illness, accidental death, or waiver of premium. Riders add flexibility but may increase premiums. living benefits

How does my health affect my ability to get life insurance?

Health plays a big role in determining eligibility and rates. Healthier applicants usually qualify for lower premiums, while pre-existing conditions may lead to higher rates or limited options.

Can I still get life insurance if I have a pre-existing condition?

Yes, many insurers offer policies for people with health conditions, though premiums may be higher. Guaranteed-issue policies may be available, but they typically come with waiting periods and lower coverage amounts.

What’s the difference between a broker and a direct insurance provider?

A broker represents multiple insurers, offering a range of options to help you find the best policy for your needs. A direct provider represents only their products, limiting your options to what they offer.

Will my policy have a 2 year waiting period?

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How much life insurance coverage do I really need?

A general rule is 10-15 times your annual income, but this can vary based on debts, living expenses, education costs, and future needs. Calculators can help, or you can speak to an advisor for a personalized assessment.

How long should my life insurance policy last?

It depends on your financial goals. Term policies should cover you until major expenses, like mortgages or children’s college costs, are paid off. Whole life lasts your lifetime, so it can be ideal if you want lifelong coverage.

Does life insurance cover all types of death?

Generally, yes, but policies may have exclusions, like death by suicide within the first two years or death related to illegal activities. Accidental death riders provide additional coverage for accidental deaths.

What happens to my policy if I outlive a term policy?

When a term policy ends, coverage stops. Some policies allow renewal at higher premiums, while others offer a conversion option to switch to a permanent policy before the term ends.

Are life insurance benefits taxable for my beneficiaries?

Generally, no. Life insurance death benefits are typically tax-free for beneficiaries, though there may be exceptions with estate taxes or certain policy structures.

Will my premiums increase over time?

For term policies, premiums are fixed for the policy term but may increase if renewed. Whole life policies have fixed premiums, so they won’t increase over time.

How long does it take for my policy to become effective?

It varies. Some policies are approved instantly, while others, especially those requiring a medical exam, may take several weeks for approval and issuance.

How do I choose a trustworthy life insurance provider?

Look for providers with strong financial ratings from agencies like A.M. Best, S&P, or Moody’s. Customer reviews, the company’s history, and available products are also important factors.