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True Blue Final Expense Insurance Review


ConsumersAdvocate.org Rating: 4.8 / 5 (Excellent)
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True Blue Life Insurance is an independent life insurance agency and brokerage based in Scottsdale, Arizona. The company provides customers with instant, anonymous life insurance quotes from its 60+ featured carriers. True Blue can look for final expense insurance policies with coverage amounts between $2,000 and $100,000, as well as filter results by company, approval odds, product features, and more.
 
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How is True Blue rated?

Breakdown

5.0/5
Policy Features
4.5/5
Qualifications
4.5/5
Financial Strength
5.0/5
Customer Experience

Overall Rating: 4.8 / 5 (Excellent)

True Blue is among the best, if not the best, alternative for first-time consumers looking for a simple application process, accurate quotes, and a variety of final expense insurance options. Almost every single underwriter featured by True Blue enjoys strong financial ratings, and the diversity of companies gives potential customers a greater degree of choice, all the while making it easier for them to find exactly the coverage they need. Furthermore, customer experience with True Blue is remarkably high, featuring positive reviews in almost every online review gateway we could find.

True Blue Policy Features

Policy Features - 5 / 5

Policies with True Blue will vary in type and features given that the company is a marketplace with over 60+ affiliates. All of its featured companies do share certain traits, however. Coverage can go from as little as $2,500, to as a high as $100,000. The beneficiaries of the insurance money can use proceeds for any expense or purpose. All four types of insurance can be found through True Blue, and their premiums are always fixed. None of the company's featured insurers should take more than 48 hours to issue the money, and some of them also include accidental death coverage options.

Policy Coverage Maximum

$100000

Expenses Benefits Help Cover

  • Caskets
  • Funeral
  • Flowers
  • Cremation
  • Post-Funeral Reception
  • Newspaper Obituaries
  • Burial Plots
  • Headstone

Types of Insurance Products

  • Whole Life
  • Guaranteed Universal Life (GUL)
  • Guaranteed Issue (GI)
  • Term
Types of Premiums
Fixed
Restrictions on Benefit Usage
No
Accidental Death Coverage
Yes
Cash Value Accumulates
Yes
Claim Payout (Days)
Within 48 hours

True Blue Qualifications

Qualifications - 4.5 / 5

Because True Blue is a life insurance marketplace, the qualifications for each individual insurer it features may vary widely. As a rule of thumb, most underwriters features by the company have an age range limit of 40 or 50 to 80. Some insurers may have lower or higher numbers in their age range. Being hospitalized, in a nursing home or with hospice care, certain pre-existing conditions, and age are all factors that could prevent consumers from finding final expense insurance through True Blue. Users do not need to take a medical exam to make use of True Blue's marketplace search. They may, however, answer a few additional medical questions to further refine their search.
Age Range
25-85
Medical Exam Required
No
Disqualifying Factors
Age
Current Hospitalization
Nursing Home
Hospice Care
Pre-Existing Conditions

True Blue Financial Strength

Financial Strength - 4.5 / 5

True Blue was founded in 2003 as a life insurance marketplace, which means it is not considered by financial strength rating companies. For purposes of this review, we looked at Transamerica's ratings instead, one of True Blue's featured companies. Transamerica was founded in 1928 and is based in San Francisco, California. Its financial strength ratings are excellent, currently holding an AA- with S&P, an A1 with Moody's, and an A+ with AM Best.
Year Founded
2003
Company Type
Marketplace
Underwriter
Transamerica
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
A1
A.M. Best Financial Rating
A+

True Blue Customer Experience

Customer Experience - 5 / 5

True Blue's reputation and customer satisfaction are overwhelmingly positive. On the BBB, True Blue is accredited, holds an A+ rating, and does not have a single negative review. Although it does not have a Trustpilot page, the business has many positive reviews on other online platforms, like Google Reviews and Facebook.
BBB Rating
A+
Number of BBB Positive Reviews
187
Number of BBB Negative Reviews
0
Date Collected
2018-07-26

Company Profile

Full Name
True Blue Final Expense Insurance
Company Website
https://www.truebluelifeinsurance.com
Headquarters
8900 E. Pinnacle Peak Rd. Suite E-4, Scottsdale, AZ, 85255

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Customer Comments & Reviews

Loading Reviews ...
R
ricky c
5/8/2019
didn't have a good experience. the agent I worked with did not seem to understand final expenses. NOT to mention, they could not offer me Transamerica

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