Get Your Free, Personalized Life Insurance Quote in 60 Seconds
Get your free, personalized quote in just 60 seconds
Most families are one unexpected event away from financial hardship. Life insurance changes that.
Life insurance isn't about dying — it's about making sure the people who depend on you are protected if the worst happens. Whether you're a parent, a spouse, a business owner, or someone with final expenses to cover, the right policy gives your family financial security when they need it most.
At TrueCover Life, we're an independent broker — which means we shop ALL the top-rated carriers to find you the best rate for your specific situation. We're not tied to one company. We work for you.
Affordable coverage for 10, 20, or 30 years. Best for income replacement and young families.
Permanent coverage that builds cash value over time. Never expires as long as premiums are paid.
Covers funeral and burial costs. No medical exam required. Typically $5,000–$25,000 in coverage.
Get approved in hours based on a health questionnaire, not a physical exam.
How much does life insurance actually cost? Here are real ballpark monthly rates for a healthy non-smoker.
*Rates are estimates for healthy non-smokers. Actual rates depend on health history, coverage amount, and carrier.
Pre-existing conditions welcome — we specialize in hard-to-insure cases.
Ready to get your personalized quote?
Get Your Free QuoteDiabetes, high blood pressure, heart disease, cancer history — we've helped clients with all of these get covered.
Many people assume they can't get life insurance because of a health condition. That's almost never true. As an independent broker, we have access to carriers that specifically underwrite high-risk cases — often at rates that surprise our clients.
Here's what we've helped clients get covered for:
Type 1 and Type 2 — Many carriers offer standard or preferred rates if your A1C is controlled.
Extremely common and well-accepted by most carriers with proper documentation.
Depends on the event, how long ago, and current health. Many clients qualify.
Two-year post-treatment is a common threshold for many no-exam policies.
Build charts vary by carrier. We find the carrier whose build table works for you.
Don't see your condition? We have access to carriers for many other health situations.
Don't assume you don't qualify.
We'll tell you honestly what your options are. No pressure, no obligations — just straightforward advice from a licensed agent.
Schedule a call at your convenience with one of our licensed agents. Pick a time that works best for you!
Book Your Call NowAvailable 7 days a week • 9 AM - 8 PM PST
Nevada, Oklahoma, Oregon and Virginia
Free quotes, no pressure
Get covered fast
Helping families since 2020
Real stories from real families we've helped protect
"I thought life insurance would be expensive because of my diabetes. My agent found me a policy for just 47 dollars per month. My family is protected and I can finally sleep at night."
"The process was so simple. Filled out the form, got a call within an hour, and had my policy approved the next day. Highly recommend!"
"As a single mom, I was worried about what would happen to my kids if something happened to me. Now I have 500K in coverage for less than my cable bill."
Everything you need to know before getting started
Term life covers you for a set period — typically 10, 20, or 30 years — and pays out if you die during that term. It's the most affordable option and is ideal for income replacement, mortgage protection, or covering your family while children are young. Whole life is permanent coverage that never expires and builds cash value you can borrow against. It costs more but provides lifelong protection.
Yes — and often at better rates than people expect. Many carriers look favorably on well-managed diabetes (especially Type 2). Key factors include your A1C level, whether you're on insulin, and how long you've been diagnosed. TrueCover Life works with carriers that specialize in diabetic applicants. Fill out our form and we'll find your best option.
Final expense (also called burial insurance) is a small whole life policy — typically $5,000 to $25,000 — designed to cover funeral costs, medical bills, and other end-of-life expenses. It's most popular with seniors aged 50–85 who want to spare their families from unexpected costs. There's no medical exam, approval is fast, and premiums never increase.
Instead of a physical exam and blood draw, no-exam policies use a health questionnaire and database checks (prescription history, MIB records, driving record) to assess risk. Most applicants get a decision within hours. Coverage limits vary by carrier — typically up to $500,000 for younger, healthier applicants. TrueCover Life will tell you upfront if a no-exam policy is your best option.
We're currently licensed in Nevada, Oklahoma, Oregon, and Virginia. If you're in one of those states, we'd love to help you find the right coverage. Fill out our form above or call (954) 947-0955 and we'll get you a personalized quote — usually within 2 hours.
One of our licensed agents will call you within 2 hours during business hours. We'll ask a few follow-up questions, explain your best options from multiple carriers, and give you a no-pressure quote. You decide if and when you're ready to move forward. No commitments, no pushy sales tactics.
A common rule of thumb is 10–12x your annual income. But the right number depends on your debts, your family's living expenses, your existing savings, and how many years of income you need to replace. For example, a 40-year-old earning $60,000/year with a mortgage and two kids might need $600,000–$800,000 in coverage. Our agents walk you through a needs analysis at no cost.
When you go directly to one company, you only see that company's rates. As an independent broker, TrueCover Life shops 30+ top-rated carriers simultaneously to find the best rate for your specific health profile and coverage needs. Our service is free to you — we're compensated by the carrier you choose, not by charging you a fee.
Every birthday, your rates go up. A policy that costs 35 dollars per month at age 35 could cost 85 dollars per month at age 45. The best time to get coverage is right now while you are thinking about it. Get your free quote today and lock in your lowest possible rate.
Available Monday through Saturday 9am to 8pm
Local expertise. National carrier access. Same-day responses.
TrueCover Life is a licensed independent life insurance broker serving families across four states. Whether you're in Las Vegas, Oklahoma City, Portland, or Richmond — we bring the same personalized service and access to 30+ top-rated carriers.
Every state has slightly different insurance regulations and carrier availability. Our agents are licensed specifically in your state and know which carriers offer the best rates in your market.
Licensed in NV
Serving Las Vegas, Henderson, Reno, North Las Vegas, and surrounding areas.
Licensed in OK
Serving Oklahoma City, Tulsa, Norman, Broken Arrow, and statewide.
Licensed in OR
Serving Portland, Salem, Eugene, Bend, Medford, and statewide.
Licensed in VA
Serving Richmond, Virginia Beach, Norfolk, Arlington, and statewide.
Call or text anytime, or fill out the form above for a free quote delivered within 2 hours.