Answer 7 honest questions. Get an estimated premium range, your eligibility category, and a clear next step — before you fill out a single carrier form.
Choose the option that best matches your goal. Your answer shapes the products and premium estimates we show you.
This tool provides general education only. All results are estimates based on self-reported information and are subject to carrier underwriting and approval.
Age, state, and gender are the three biggest factors in determining your estimated premium range and product eligibility.
Gender
We collect gender because it materially affects life insurance premium calculations. This information is used only for estimation purposes within this tool.
This includes cigarettes, cigars, chewing tobacco, vaping, or nicotine patches. Tobacco use significantly affects your premium — honesty here matters for accurate estimates.
Tobacco status is verified during the carrier underwriting process. Estimated premiums shown assume the status you select here.
Slide to your target amount. Final expense typically ranges $5K–$30K. Mortgage protection mirrors your loan balance. Term life is often 10–12× your income.
Coverage amounts shown are illustrative. Actual available amounts depend on your age, health, and the carrier's underwriting guidelines.
Select any conditions that apply. This helps estimate your most likely eligibility tier — simplified issue, graded benefit, or guaranteed issue. Select all that apply.
Health information is used only for estimation within this tool. It is not transmitted to any carrier and does not initiate an application or underwriting review.
This helps us tailor the language in your recommendation. You can name any person or multiple people — and update beneficiaries at any time after the policy is issued.
You can name any beneficiary on a life insurance policy. Beneficiary designations can be changed at any time by contacting the carrier.
Enter your name and best phone number. Dominic may reach out to confirm your estimate and answer questions before you start your application.
TrueForge Life does not share your personal information with third parties for marketing purposes. Standard rates may apply for phone/text contact.
TrueForge Life, LLC is a licensed independent insurance agency, not an insurance carrier. Dominic Raciti, NPN: 19647356. Licensed in Indiana, Arkansas, Texas, and 40+ additional states. Products and availability vary by state and are subject to individual carrier underwriting guidelines. | Tool & Methodology Disclosure: The TrueForge Protection Assessment™, TrueForge Protection Score™, Family Exposure Report™, Coverage Confidence Meter™, Family Impact Timeline™, PathFinder™, and all related scoring tools are proprietary educational instruments developed by TrueForge Life, LLC. Results, scores, and estimates generated by these tools are for informational and educational purposes only. They do not constitute insurance advice, a binding quote, an offer of coverage, or a guarantee of eligibility or premium. Actual coverage, eligibility, and pricing are determined solely by the issuing carrier based on a completed application and full underwriting review. The phrase "may qualify" and all estimated figures are illustrative only. | Privacy: No personal data entered into any TrueForge Life tool is stored, sold, or shared with third parties. | © 2026 TrueForge Life, LLC. All tool names, scoring methodologies, and content on this site are proprietary and may not be reproduced without written permission.