Insurance Products

Explore the coverage options that help protect your life, your family, and your future.

  • Term Life Insurance

    • Affordable protection for a set period—ideal for covering major life milestones like mortgages or children’s education.

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  • Whole Life Insurance

    • Permanent coverage with guaranteed cash value growth to help support your long-term financial goals.

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  • Indexed Universal Life (IUL)

    • Flexible coverage that builds cash value linked to market performance, designed to grow with you.

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  • Health Insurance

    • Protect yourself from unexpected medical costs with the right health insurance plan for your lifestyle.

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  • Children’s Whole Life

    • Secure your child’s future with lifelong coverage and financial growth starting at a young age.

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Frequently Asked Questions


An IUL grows cash value based on a stock market index but has a 0% floor — so even if the market drops, your policy’s value won’t.
Whole Life lasts forever, has fixed premiums, and builds guaranteed cash value. It’s both protection and a savings tool in one.
You lock in low rates and protect your child’s future insurability—plus their policy builds cash value they can use later in life.
It covers funeral costs, medical bills, and leftover debts—so your loved ones won’t face financial stress during a hard time.
It’s a funeral service membership—not insurance—that provides full funeral coordination, even internationally, with no health questions asked.

About True Life Protection


At True Life Protection, we make life insurance simple and stress-free, so you can protect what matters most with confidence. Our personalized approach ensures you get coverage that fits your life—not someone else’s.

  • Expert guidance tailored to your needs
  • A wide range of life and health insurance options
  • Committed to making your peace of mind our top priority

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Our Business Success


True Life Protection has quickly earned a reputation for delivering clarity, confidence, and compassion in life insurance planning. Led by trusted advisor T. Palmer, the agency has helped countless families secure tailored protection—from term policies to advanced wealth-building solutions like IULs. With a client-first approach and a commitment to education, True Life Protection continues to grow through referrals, community trust, and proven results.

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Testimonials

Michael O.

T. Palmer made the entire process simple and stress-free—I walked away with a plan that truly fits my family’s needs.

Brian D.

Thanks to True Life Protection, I now understand my options and feel confident knowing my kids are covered for life.

Jan J.

T. Palmer took the time to explain every detail. I never felt rushed or pressured, just informed and cared for.

Maria W.

From term life to IUL, they helped me build a smart, flexible plan that grows with my goals. Truly above and beyond!

Blog News

Stay informed with the latest insights, tips, and updates from the world of insurance and financial protection.

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IUL Insurance: Grow Your Wealth Without Market Risk

July 29, 2025

By T. Palmer

Discover how Indexed Universal Life insurance lets you enjoy market-linked gains while protecting your cash value from losses.

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Whole Life Insurance: A Legacy That Grows Over Time

July 14, 2025

By T. Palmer

Fixed premiums and guaranteed cash value make Whole Life a solid foundation for your long-term financial goals.

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Why Term Life Insurance Might Be the Smartest Move in Your 30s

July 22, 2025

By T. Palmer

Term life offers big coverage at a small cost—perfect for families, new homeowners, and anyone planning ahead.

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The Power of Insuring Your Child Early

July 5, 2025

By T. Palmer

Learn how Children's Whole Life policies offer locked-in rates and lifelong coverage—even before your child’s first job.

Contact information

Let’s talk about how we can protect what matters most to you.