TrueForge Life·Independent·Nationwide assessment·10 A-rated carriers·No sales pressure, ever
For homeowners in Indiana

The 7 questions insurance agents hope you won't ask.

For homeowners in Indiana

The 7 questions insurance agents
hope you won't ask.

So the roof over their heads stays over theirs.

The one that reveals whether they're actually independent or captive to one carrier. The one that exposes hidden riders. The one about their commission structure most agents dodge. Get all 7 in your $4.99 assessment — plus an honest comparison of 10 carriers, including 3 we don't sell.

~4 minute questionnaire
No pressure phone call
We recommend carriers we don't sell
✓7-day money-back
✓First mortgage to final legacy · nationwide
✓NPN 19647356
✓A-rated carriers only
Live · Cost of waiting
watch this ↓
$22/mo
at age 35
$500K · 20-year term · non-smoker preferred
3070
3040506070
Wait 5 yrsyou'll pay +$7/mo (32%) for the same coverage.
Averages above · your real numbers depend on your health class, state, and coverage.
§ The 7 questions — one on the house

Here's Question #1 — free.
The other 6 unlock in your assessment.

No email required, no signup — read it, use it, share it. If the value of one question is worth using in your next agent conversation, imagine what the other six do.

Free · Question 01 of 07
“Are you captive to one carrier, or truly independent across multiple?”
What to listen for: If they hesitate, name only one carrier, or say something vague like "I represent several" without listing them — you're talking to a captive agent whose paycheck depends on placing you at their specific carrier, whether or not that carrier is the best fit for your health profile. Independent brokers can name 5+ carriers off the top of their head and will tell you exactly which ones they placed clients with last month.
Locked · Question 02 of 07
“What's your commission on my policy?”
The one question most agents dodge with a rehearsed non-answer. The report tells you exactly what to listen for.
Locked · Question 03 of 07
“Which carriers won't you show me — and why?”
Independent doesn't mean unbiased. This exposes carriers being excluded because commission is too low, not because they're a bad fit.
Locked · Question 04 of 07
“What are my real approval odds — not the marketing rate?”
The gap between quoted premium and issued premium is where most buyers get burned. The report gives you the actual price band.
Locked · Question 05 of 07
“Does the living-benefits rider actually pay for [your specific condition]?”
Every carrier defines "critical illness" differently. Some pay for early-stage cancer; some require metastasis. The report shows exact rider language.
Locked · Question 06 of 07
“What's the ACTUAL underwriting timeline — best case and worst case?”
Agents quote you the best case. The report tells you the realistic 90th-percentile timeline based on your profile.
Locked · Question 07 of 07
“Will you say no if this isn't right for me?”
The single most revealing question in insurance. How the answer is phrased tells you everything.
4 minutes to your report · $4.99 to unlock · 7-day money-back
§ 06 · The questionnaire

Ready when you are.

Eight short pages. Roughly four minutes. Your answers save automatically so you can close this tab and come back.

§ 01

What mortgage protection actually is.

There is a lot of confusion out there — much of it caused by the mailers your lender sent after closing. Here's what's true.

Mortgage protection is a life insurance policy sized to your mortgage. Most of the products in this category are simplified-issue: you answer a health questionnaire, no medical exam, and get an answer in minutes to days rather than weeks. The death benefit is paid to your family, not to your lender — so your spouse decides whether to pay the mortgage off, keep it going, or use the money for something else.

The important part your lender never mentioned: modern mortgage protection policies carry accelerated benefit riders. If you're diagnosed with a qualifying critical, chronic, or terminal illness, you can pull a large portion of the death benefit forward — while you're still alive — and spend it on anything: treatment, mortgage, groceries, a family trip. Traditional term life insurance rarely offers this.

Feature
Traditional term life
Mortgage protection
Medical exam required?
Usually — blood, urine, EKG
Rarely — health Qs only
Time to decision
2–8 weeks
Minutes to a few days
Living benefits (critical/chronic/terminal)
Rarely built in
Standard on most policies
Death benefit paid to
Your family
Your family (not the bank)
Sizing philosophy
Multiple of income
Sized to your mortgage
Best for
Highest coverage, healthy applicant
Homeowners, protecting the house
Comparison is generalized. Specific features vary by carrier and product. Your report shows the actual features of the policies suggested for you.
§ 02 · The part most people miss

Living benefits: money in your hands
while you're still here.

Accelerated benefit riders let you access a large portion of your death benefit early, in a lump sum, if a doctor confirms a qualifying diagnosis. No receipts required. You spend it how you want.

01
Critical illness
HEART ATTACK · STROKE · CANCER · MAJOR ORGAN TRANSPLANT · KIDNEY FAILURE

A one-time diagnosis event. The rider pays a lump sum you can use for out-of-pocket treatment costs, second opinions at specialty hospitals, home modifications, or replacing income while you fight.

02
Chronic illness
CAN'T PERFORM 2+ ACTIVITIES OF DAILY LIVING · OR SEVERE COGNITIVE IMPAIRMENT

Bathing, dressing, eating, transferring, toileting, continence. If a licensed practitioner certifies you can't do two of these — or you have Alzheimer's or similar cognitive impairment — the rider pays. This is where mortgage protection quietly does the work of long-term care coverage.

03
Terminal illness
MEDICAL PROGNOSIS OF 12–24 MONTHS OR LESS

The one most families end up needing. Pay off the mortgage before you go. Take the trip. Pay for hospice at home instead of a facility. Leave things easier for the people you love than you thought you could.

The industry doesn't tell you this loud enough: access to living benefits varies by carrier, by state, and by rider election. Some carriers include them automatically; some charge for the rider; some don't offer chronic at all in every state. Your report tells you which of the ten carriers actually offer robust living benefits in Indiana.
§ 03 · Two families, same age, same mortgage

The only difference
was one Tuesday afternoon.

One family made a phone call in September. One family kept meaning to. Composite illustrations based on scenarios TrueForge has seen or has data on; names and details changed.

The family that made the call
Fort Wayne, Indiana · 2024

The Chens — Marcus, Ling, and two kids

MORTGAGE
$198,400
POLICY
$250K · $67/mo

Marcus was 47, ran a three-truck HVAC shop, took out an Ethos simplified-issue policy with the accelerated benefit rider elected. Ling almost talked him out of it. It felt like a lot for something they'd probably never use.

Eighteen months later: stage III pancreatic adenocarcinoma. His doctor said maybe fourteen months. The terminal illness rider paid $187,500 while he was still alive. He and Ling paid off the mortgage in one wire transfer. He didn't work another day. He watched the older one make varsity. He kept a fishing rod in the garage he actually used.

He passed at home in April. There was a remaining $62,500 death benefit that hit Ling's checking account eleven days later. She still has the house. The kids still have their schools.

The family that kept meaning to
Texarkana, Arkansas · 2022

The Reeves — Dale, Angela, and three kids

MORTGAGE
$211,200
POLICY
None. $58/mo saved.

Same age. Same mortgage balance. Dale was a shift lead at a paper mill, drove a work truck, was going to call the agent. Angela reminded him twice. It was fifty-eight dollars a month.

November 2022: a rollover on I-30. He was 44. The mortgage was $211,000. Angela had $8,400 in checking and no life insurance at all.

Six months later: foreclosure notice. Nine months later: sold at auction for $184,000, twenty-seven under the balance. Angela and the three kids moved in with her mother in Hope. They still live there. The oldest changed high schools twice in one year.

“The gap between the Chens and the Reeves was one afternoon. Not money. Not health. One afternoon and a phone call.”
§ 04

The full universe.
Nothing hidden.

These are the ten carriers TrueForge measures your situation against. Five of them TrueForge is contracted with — meaning if you'd like help applying, Dominic can write the policy directly. Five, TrueForge is not appointed with; if one of those is right for you, your report tells you exactly how to apply direct-to-carrier.

TrueForge receives no compensation on the ones we're not appointed with. Including them is the point of an honest recommendation.

American Amicable
Simplified · Graded · ROP
ContractedLiving Bfts
Americo
Ultra-Protector Series
ContractedSimp. Issue ★Living Bfts
Corebridge Financial
AG Select-a-Term · ABR
ContractedLiving Bfts
CVS Health
CVS Health Life
ContractedSimp. Issue ★
Ethos
Simplified Term & Whole
ContractedSimp. Issue ★Living Bfts
Foresters Financial
Advantage Plus II · Non-Med
ContractedSimp. Issue ★Living Bfts
Gerber Life
Guaranteed Issue
GPM Life
Military-focused simplified
Living Bfts
Mutual of Omaha
Living Promise · Term Express
ContractedSimp. Issue ★Living Bfts
Transamerica
Trendsetter LB · strong ABR
Living Bfts
TrueForge contracted (5)
Best-performing simplified issue (5)
Robust living benefits
§ 05 · How this works

Three steps. Roughly ten minutes.
You keep control the whole way.

1
Free · ~4 minutes

Answer the questionnaire

Eight short pages. Your ZIP, your mortgage, your health picture, your budget, your goals. No credit card. Save-as-you-go so you can come back later.

2
$4.99 · one-time

Unlock your report

Your top three carrier matches, why those three, why not the others, estimated premium ranges, and a next-steps checklist. Delivered instantly on-screen and by email.

3
Optional · no pressure

Apply — with or without us

If your best match is with a carrier TrueForge is contracted with, Dominic can write it for you. If not, we tell you exactly how to apply direct. You are never obligated to buy through us.

§ 07

Know what the carrier sees
before they see it.

Very few applicants know this: you're entitled by federal law to a free copy of your medical and prescription consumer files. Underwriters pull these routinely. Reviewing yours before applying is one of the highest-leverage things you can do.

TrueForge doesn't get paid for telling you this. We just don't want you surprised by something in your own file that could have been resolved.

Medical & prescription summary
Milliman IntelliScript

The largest Rx / medical database life carriers query. Call, wait through the automated menu, ask for your consumer file disclosure. Free by mail in ~10 business days.

CALL877-211-4816
Hold through the automated prompt to reach a person.
Prescription history
Rx Histories

A secondary source most carriers cross-reference. Free consumer disclosure, requested online, delivered by email or mail.

VISITwww.rxhistories.com
Also worth ordering: your MIB Group consumer file (mib.com).
§ 08 · Questions worth asking

Frequently asked.

No. Your $4.99 buys an unbiased advisory report. Three of the ten carriers in our comparison are ones TrueForge is not contracted with, so we don't earn a dollar if you apply to those. We'd rather send you to the right carrier than the profitable one.
Dominic Raciti, founder of TrueForge Life, LLC
§ 09 · Who you're working with

Dominic Raciti
Founder, TrueForge Life

Forged in truth. Built for each other.™

Independent, licensed in 14 states, appointed with five of the ten carriers in our comparison universe. Specializes in simplified-issue mortgage protection with living benefits — the kind of policies most people didn't know existed until they needed one.

“The reason this site charges $4.99 for a report isn't to make money off the report. It's to make sure the people who use it are serious enough to act on what it says. I lose sleep over the Reeves families in our stories page. That's why I built this.”

Indiana
Lic. #3592177
Arkansas
Lic. #19647356
Texas
Lic. #2576585
Kansas
Lic. #19647356
Kentucky
Lic. #1101385
Virginia
Lic. #1195087
Florida
Lic. #W678997
Arizona
Lic. #19647356
Tennessee
Lic. #2500424
Oklahoma
Lic. #3000999623
West Virginia
Lic. #19647356
Michigan
Lic. #1003297
Missouri
Lic. #3000999695
North Carolina
Lic. #19647356

You already know
which family you want to be.

Four minutes now. $4.99 later. Peace of mind for the next thirty years.

Ready when you are —