🛡️ Free · 3 Minutes · No Personal Info Required

Understand What's at Risk Before You Buy Anything

Most families don't know their actual coverage gap — they just know they probably need something. TrueForge's free assessment gives you a personalized Protection Score, a dollar-for-dollar Exposure Report, and a clear next step. No sales pitch. No pressure. Just clarity.

Instant results
No sign-up needed
Trusted by 500+ families
100% free guidance
Your Protection Intelligence Suite
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TrueForge Protection Score™
Composite score measuring your family's actual coverage position across 5 risk dimensions.
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Family Exposure Report™
Dollar-for-dollar breakdown of your income gap, mortgage exposure, debt risk, and final expense costs.
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Coverage Confidence Meter™
How confident we are that you can get covered today — with your health profile, age, and goals factored in.
🎯 Start My Free Assessment →

3 minutes · No email required · Instant results

40+States Licensed
500+Families Protected
A-RatedCarriers Only
Same DayApproval Available
$0Consultation Fee

Trusted carrier partners

Mutual of Omaha
Foresters Financial
Transamerica
North American

Know Your Risk. Then Get Covered.

Most people buy insurance based on gut feeling. TrueForge gives you data — your actual numbers, your actual gap, your actual confidence — before you spend a dollar.

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Tool 1
TrueForge Protection Score™
74
Measures:
Coverage Adequacy
Mortgage Shield Index
Family Resilience Rating
Timing & Health Access

A composite score from 0–100 measuring your family's actual protection position — not just whether you have a policy.

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Tool 2
Family Exposure Report™
Income Replacement Gap $320,000
Mortgage Exposure $240,000
Outstanding Debt $18,000
Final Expense (est.) $15,000
Total Family Exposure $593,000

Your actual dollar exposure if coverage falls through — personalized to your income, mortgage, and obligations.

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Tool 3
Coverage Confidence Meter™
Approval Confidence 87%
✅ Healthy profile
✅ Age advantage
✅ Clear obligations
⚠️ Gap exists

How likely you are to qualify for coverage today — based on your health profile, age, and product alignment.

Free · Instant · No Email Required
Get all three tools in one 3-minute assessment.
Your score, your exposure report, your confidence level — personalized to your situation.
🎯 Get My Protection Score →

Can't Qualify Elsewhere? We Specialize in That.

Health issues, past declines, no medical exam — we work with carriers who say yes when others say no. Guaranteed acceptance options available. Coverage from $5K–$50K. Premiums locked in for life.

Been Turned Down Before?

A declined application doesn't mean no coverage — it means you applied to the wrong carrier.

I know which carriers accept diabetes, heart conditions, COPD, and prior declines. A 5-minute call can change everything.

🎯 Get My Protection Score First📅 Or Book a Free Call →

Coverage Built Around Your Life

Whether you're protecting your mortgage, leaving a legacy, or building cash value — we have a solution that fits.

Coverage in 3 Simple Steps

From first conversation to active policy — most clients are covered the same week they reach out.

1

Free Consultation

We hop on a quick call to understand your family's needs, budget, and goals. No pressure, no jargon.

2

Compare Your Options

I shop across our top carrier partners to find the best coverage at the lowest rate — tailored to you.

3

Get Covered

Sign your application digitally. Same-day and next-day approvals are common with simplified issue policies.

Real Families. Real Peace of Mind.

★★★★★
"I had no idea how easy getting life insurance could be. No doctor visit, approved the same afternoon. He walked me through everything on the phone and I felt completely comfortable."
MR
Michael R., 44Term Life Client — Ohio
★★★★★
"We'd been putting off life insurance for years. He found us a plan that covers our mortgage AND gives us cash value. Our monthly payment is less than what I expected."
SP
Sarah & Paul T., 51IUL + Mortgage Protection — Florida
★★★★★
"My mother is 72 and I was worried she wouldn't qualify anywhere. He found her a final expense policy the same day we called. Genuinely grateful."
LD
Linda D., 72Final Expense Client — Texas

Why Thousands of Seniors Trust TrueForge Life

We know you've probably been burned by pushy agents or confusing fine print before. Here's everything you need to know before you ever pick up the phone.

Dominic Raciti, Licensed Insurance Agent
Your Licensed Agent
Dominic Raciti
Independent Life Insurance Agent
Licensed In
40+ States
Specialization
Ages 50–85
Agency Type
Independent
Consultation
Always Free
Independent means I work for you — not any one insurance company. I shop your profile across multiple carriers to find your best rate and best fit.
Carrier Partners

A-Rated Companies. Real Coverage.

Every carrier I work with is independently rated for financial strength. Your beneficiary gets paid — that's the only thing that matters.

Mutual of Omaha A+ Rated
Foresters Financial A Rated
Transamerica A Rated
North American A+ Rated

Ratings reflect AM Best financial strength ratings as of 2024. Additional carriers available depending on your state and health profile.

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Secure Application

All applications are processed over carrier-grade encrypted connections. Your personal and health information is never stored on this website.

🛡️
Privacy Promise

Your information is never sold or shared with third-party marketers. We connect you with one agent — Dominic — and one carrier at a time.

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No Obligation — Ever

Getting a quote costs nothing and commits you to nothing. You'll never be pressured, called repeatedly, or handed off to a call center.

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A Real Person Answers

When you call (574) 392-0192, you reach Dominic directly — not a receptionist, not a voicemail maze, not a sales team.

Designed for Ages 50–85

How Coverage Approval Works

1
You answer a short health questionnaire

10–20 yes/no questions over the phone. No doctor visit. No blood draw. Dominic reads every question out loud if you prefer.

2
The carrier checks your prescription history

They verify your answers against a prescription database and the MIB — a standard industry database. This happens automatically and takes minutes.

3
You get an approval decision — often same day

Simplified issue policies are frequently approved the same day or within 24 hours. Guaranteed issue policies are approved on the spot — no health questions at all.

4
Your policy is issued — your family is protected

Your policy documents arrive digitally or by mail. Coverage begins on the policy issue date. Dominic stays on as your point of contact for the life of your policy.

Been declined before? A declined application with one carrier doesn't disqualify you everywhere. Different carriers have different underwriting guidelines — I know which ones are most likely to say yes to your specific health profile.
Dominic Raciti
Talk to Dominic
Licensed Agent · Independent · No Pressure

I've helped people in their 50s, 60s, 70s, and 80s find coverage — including people who were told they couldn't qualify anywhere. You owe it to your family to find out what you actually qualify for.

📅 Book a Free 30-Min Call 📞 Or call directly — (574) 392-0192
Mon–Fri: 9am–8pm ET
Sat: 9am–5pm ET
Free Quote — No Obligation Whatsoever

Quotes are 100% free. I don't charge consulting fees. My compensation comes from the carrier only after you decide to purchase a policy — and only the one that's right for you.

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Not Ready to Call? Use the Coverage Assistant

Answer a few questions privately and see which products you're most likely to qualify for — before speaking with anyone.

Start the Coverage Assistant →
⚡ Free Interactive Tools

Everything You Need to Make a Confident Decision

Three free tools built to give you real insight — not a generic form that leads to a sales pitch. Know your numbers before you talk to anyone.

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Step 1 — Find Your Fit

Coverage PathFinder

Answer 7 guided questions and get matched to the right product type — final expense, mortgage protection, term life, or permanent. Includes a real premium estimate range and AI concierge.

7 Questions Premium Estimates AI Concierge
Start PathFinder →
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Step 2 — See Your Risk

Mortgage Protection
Risk Calculator

See exactly what your family would face financially if something happened tomorrow. Real numbers — your balance, monthly burden, years of payments — plus an estimated coverage cost range.

Real-Time Sliders Cost Estimates Emotional Framing
Calculate My Risk →
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Step 3 — Know Your Score

Family Protection
Score

Get your score from 1–100 across five categories: coverage amount, mortgage protection, income replacement, dependent coverage, and age & timing. Includes a personalized gap analysis.

5 Questions Score 1–100 Gap Analysis
Get My Score →

Already know what you need?

Skip the tools and go straight to your personalized application experience.

✦ Coverage Assistant → 📞 Call Dominic

Ready to Protect What Matters Most?

Book a free 15-minute call — no obligation, no pressure. Just honest answers.

📞 Tap to Call — (574) 392-0192 Free quote · No pressure · Speak directly with Dominic 💬Text