Explore our range of services designed to protect what matters most to you.
Personal Insurance
Our Personal Insurance services cover various aspects of life, including home, health, and life insurance. We work closely with you to identify your needs and provide customized solutions that ensure peace of mind for you and your loved ones. Our team is dedicated to finding the best coverage options that fit your lifestyle and budget, helping you navigate through complex insurance choices with ease and confidence.
Choosing Personal Insurance with TruLead means you get a dedicated broker who understands your unique needs. We prioritize your family's well-being by providing personalized solutions that fit your budget and lifestyle. Our team is committed to ensuring that you have the right coverage, resulting in peace of mind during life's uncertainties.
- Tailored coverage options
- Expert guidance
- Affordable premiums
Health Insurance
Health insures agree to pay some or all of your health care cost in exchange for a monthly premium payment. Some policy have deductibles in place which vary.
- Tailored coverage options
- Affordable premiums
- Prescription drugs
- Emergency Room visits
- Urgent care
- and more
Dental & Vision Insurance
Dental Insurance has benefits that help pay for the cost of visits to a dentist for basic or preventive services. Vision insurance has benefits that typically cover routine costs, eye exams, glasses, or contacts.
Life Insurance
Peace of mind for your loved ones with our Individual Life Insurance policy. We offer flexible coverage options and affordable rates that make it easy for you to choose a plan that's best for you and your finances.
Investing in Individual life insurance provides your family with a peace of mind and your family with financial security. It provides payment to your beneficiaries in life changing events of loved ones that have passed on, this ensures that your family's financial needs are met.
Types Of Life Insurance
There are two main types of individual life insurance policies. Term life insurance and Permanent life insurance. Permanent Life Insurance can also be Universal Life (UL) and Index Universal Life (IUL).
Term Life Insurance
Term life insurance provides coverage for a period of 1-30 years. Term life insurance is a good choice for coverage needed for a specified amount of time, usually until children are grown or a mortgage is paid off.
Permanent Life Insurance
Permanent life insurance provides coverage for your entire life and offers cash value components that grow over time depending on how your policy is structured. This policy can be divided into whole life insurance, universal life insurance and variable life insurance. These policies typically are more expensive, and typical clients have 6 months to 1 years saving in a savings account. these policies offer advantages as in being able to borrow against the cash value and potential tax advantages.
Universal Life Insurance
Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus premiums and a death benefit that are flexible. Unlike term life insurance, Universal Life can accumulate cash value. The cash value earns an interest rate set by the insurer, and it can change frequently, although there is usually a minimum rate that the policy can earn. If the investments underperform, your cash value can go down and your premiums could eventually go up. There are no tax implications for policyholders who borrow against the accumulated cash value of their UL policy, although some withdrawals may be taxed.
Index Universal Life
Index universal life insurance provides the death benefit protection you need with cash value growth potential. It also gives you the option to access your death benefit early in the event of a qualifying chronic, critical, or terminal illness. Policyholders can put some of their savings into a standard cash-value account and other funds into an index account. The cash value in an IUL policy can earn interest based on the performance of a stock market index, such as the S&P 500 or the NASDAQ Composite. Some IUL policies offer tax-free access to cash values, which can help minimize taxable income.
Guaranteed Acceptance Life
Guaranteed acceptance life insurance, is a type of permanent life insurance policy that doesn't require a medical exam or health questions to be approved. This makes it a good option for people who may not qualify for traditional life insurance, such as those with a serious medical condition or who are older.
Benefits of Life Insurance
- Peace of mind knowing that your loved ones are taken care of in the event of life changing circumstances, death.
- Financial security helps ensure your loved aren't worried about mortgage payments; beneficiaries are provided with a payout of the death benefit.
- Tax advantages such as tax-free death benefits and potential cash value depending on policy structure and finances.
Business Insurance
TruLead Insurance offers comprehensive Business Insurance solutions tailored for small to medium-sized enterprises. We understand the unique risks business owners face and provide coverage options that protect your assets, employees, and income. Our expert brokers work diligently to assess your business needs, ensuring you have the right policies in place for liability, property, and workers' compensation, allowing you to focus on growth.
When you trust us with your Business Insurance, you gain a partner who understands the challenges of running a business. We conduct thorough risk assessments to provide coverage that addresses your specific needs. Our proactive approach ensures that you are protected against unexpected events, allowing you to focus on growth and success.
- Expert risk assessment
- Customizable policies
- Robust protection for your business
Types of Insurance
- Property Insurance protects buildings, equipment, inventory, furniture and fixtures from damage or loss caused by fires, theft, vandalism, and natural disasters. It also covers your loss of income or extra expenses due to business interruption.
- Liability Insurance protects your business from legal claims for bodily injury or property damages that your employees may cause to others. Legal fee and settlements are also covered in case of a lawsuit
- Crime Insurance protects your business from losses as in computer hacking, robbery, forgery, fraud, dishonest employees. covers the cost of restoring your data records.
- Business interruption Insurance protects your business from losing income profits due to a covered peril that disrupts business operations. It also covers the extra expenses you may incur to resume or relocate.
- Data Breach protects your business from liabilities and costs such as cyberattacks or data breaches that compromises your clients personal or financial information. Coverages is not limited to covering and notifying clients, providing credit monitoring services, your company's reputation and complying regulations.
Other types of insurance
- Workers Compensation
- Key Person
- Error & Omissions
- Commerical Property
- Builder's Risk
- Liquor Liability
- Inland Marine
- Special Events
- Commerical Flood
- Bond Surety
- Equipment Breakdown
- Fiduciary Lability
- Directors & Officers
- Child Care Centers
- Contractors
- Condo Associations
- Auto Repair Shop
- Landscaping
- Manufacturers
- Medical Office
- Non-Profit
- Property Manager
- Resturant Insurance
- Auto Dealer
- Retail Business
- Fleet
- Professional Services
- Farm
- Wholesaler Business
- Church
- Plumbing Contractor
- HVAC Contractor
- Security Guard
- Real Estate Investor
- Electrical Contractor
- Fire Protection Contractor
- Educational Institutes
- Technology Company
- Fitness Studio
Auto Insurance
Our Auto Insurance services are designed to meet your specific driving needs, offering protection for your vehicle and liability coverage for accidents. We provide a range of options, including comprehensive, collision, and liability insurance, to help you choose the right plan. Our experienced team analyzes your driving habits and vehicle use to secure the most favorable rates and coverage for your peace of mind on the road.
With TruLead's Auto Insurance, you can drive with confidence knowing that you have comprehensive coverage. Our experts help you navigate the complexities of auto policies, offering flexible options that suit your driving habits. We strive to provide competitive rates while ensuring you have the protection you need in case of any incidents.
- Comprehensive plans
- Financial stability on the road
- Flexible payment options
“TruLead Insurance provided exceptional service and helped me find the perfect coverage for my family. Highly recommend!”
Brianna C.