Life Insurance

True Blue Life Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 5 minute read

True Blue Life Insurance offers online insurance quotes from more than 60 different life insurance companies. To be effective, a high degree of expertise and devotion are required: This list covers only companies with an AM Best rating of “Excellent” or above. However, each individual is covered up to a maximum of $5 million.

About True Blue life insurance

True Blue Life Insurance Review - True Blue Life Insurance Logo

True Blue Life Insurance, headquartered in Scottsdale, Arizona, strives to eliminate the two primary impediments to the insurance purchase process: time and money.

Due to the breadth of its network, the firm has worked with over 60 carriers and has earned an A- (Excellent) or higher grade from AM Best. Furthermore, consumers may get final expense insurance through the company’s website. According to the company, its sales representatives are not bound by any sales quotas. Each agent must have at least ten years of experience in the insurance industry.

True Blue life insurance rates

Additionally, your insurance company and policy type will affect your premium. To compare rates, it is required to conceal providers and alter your criteria, such as the degree of coverage, in order to find the most affordable and desirable options.

Factors affects my rate with True Blue

When it comes to offering life insurance, a life insurance company is willing to accept a calculated risk in order to profit. Insurers evaluate a variety of factors when determining your premium, including your age, health, and other personal characteristics. Insurance companies, as a precaution, charge the highest premiums to those who pose the least risk to their bottom lines.

True Blue’s marketplace is now home to more than 60 providers. Each firm’s underwriting approach considers a variety of criteria, including the following:

  • Tobacco use is strictly forbidden. To qualify for the best insurance rates, most insurance companies need proof of non-smoking status for the preceding five years. When it comes to cigars, it all relies on your employer’s policy.
  • Age. Candidates under the age of 30 who are in good health qualify for a premium discount.
  • A driver with an excellent reputation. For instance, if you have not had any significant traffic penalties or DUIs in the preceding many years, your insurance premium will be reduced.
  • Health. Insurance companies will analyze your cholesterol, blood pressure, and body mass index (BMI) to determine whether you have a family history of heart disease, cancer, melanoma, stroke, or diabetes.
  • Occupation. Due to the increased risk, persons who work in hazardous areas have higher insurance costs. Consider the jobs of loggers, firefighters, and combat correspondents as examples.
  • Your health is compromised if you live in this manner. Is this correct? Is it true that you often engage in extreme sports such as skydiving or scuba diving? Your service provider may charge you an extra cost.
  • This community has a high rate of binge drinking and drug use. If you have a history of substance or alcohol misuse, you will be ineligible for the preferred rate.

How to get a quote from True Blue life insurance

True Blue’s survey is an excellent tool for calculating the potential savings associated with moving to True Blue. This task should take no longer than 10 minutes in total. Specifically, you’re going to:

  1. If you want further information, please visit the website of True Blue Life Insurance. Press Yes, I’d like to know the cost.
  2. Kindly submit the following information: your full name, date of birth, gender, height and weight measurements, as well as the city and state in which you now reside. We appreciate your cooperation. Kindly notify us if you are a smoker to ensure that we can accommodate you. Select the appropriate insurance type and quantity of coverage from the dropdown menus. To proceed, please pick “Continue” from the drop-down option.
  3. We will soon require information about your medical history. Select any pertinent medical conditions to obtain the most accurate cost. To proceed, please pick “Continue” from the drop-down option.
  4. If you wish to identify yourself, choose those that best reflect your driving history, drug and alcohol usage history, credit score history, extracurricular activities history, and financial situation history, including whether or not you have ever declared bankruptcy. This collection contains a handful of my favorite quotations.
  5. True Blue will provide a variety of estimations from which you can pick. You may be able to further narrow your options by concealing certain carriers and modifying the types and levels of coverage that are offered to you. Press
  6. Please complete the Application Request form to acquire an estimate.
    Simply follow the on-screen steps to finish the process of submitting your application to the service provider.

After that, what do you expect to happen?

TruBlue will no longer be engaged once your application has been filed, and you will be dealing directly with the service provider going forward. Insurance policies that do not require a medical examination normally take two days to finish; however, policies that do require a physical test may take up to three weeks to complete.

What types of life insurance coverage does True Blue offer?

True Blue evaluates both term and long-term care insurance policies, comparing quotes from over 60 different providers to get the best offer.

  • LTC insurance is a subset of life insurance. True Blue’s algorithm may gather quotations for the following terms over a specified time period:
    • 10-year guaranteed level term
    • 15-year guaranteed level term
    • 25-year guaranteed level term
    • 30-year guaranteed level term

Your insurance coverage may have a face value ranging from $25,000 to $10 million. The premium remains constant during the policy’s lifetime. When your term insurance policy expires, you have three options: renew it, let it lapse, or convert it to an everlasting insurance policy that gives long-term stability and protection.

  • Permanent life insurance. True Blue’s major concentration is on term life insurance, while it also provides long-term coverage as an alternative. Investment components are incorporated in plans such as variable life insurance that collect money on a variable basis.

Under the True Blue branding, insurers’ final-expense and no-medical-exam policies are packaged together, making it easier to find them all in one location.

What riders can I add to my policy?

If you do not have an insurance carrier, your insurance riders will be more limited in quantity and diversity. By adding the following riders to your policy, you may be able to personalize your insurance coverage.

  • Rider to expedite the payment of death benefits
  • There is a provision for accidental death coverage.
  • Prior to departing, riders under the age of eighteen should purchase critical illness insurance.
  • Riders should always carry evidence of insurance as a precaution.
  • Transportation to and from long-term care facilities
  • Premium-class passengers are exempt from the charge.

True Blue life insurance reviews and complaints

It has maintained an A+ rating with the Better Business Bureau since 2007. (BBB). It received a flawless 5-star rating in all 104 customer reviews. The Better Business Bureau has received no complaints from True Blue consumers in the preceding 15 years.

Despite this, it garnered an excellent rating from Google users, who gave it a perfect score of ten out of ten. Additionally, customers like the convenience of comparing quotations from many suppliers without ever leaving the website. Additionally, they lauded True Blue’s reaction time and the depth of its personnel’s expertise and abilities.

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