Everything you need to know about how TruVera Financial operates, protects your information, and works on your behalf — with nothing hidden and nothing left out.
TruVera Financial is an independent life insurance agency. Our agents are licensed, independent professionals — not employees of any single insurance carrier. We are not captive agents and we do not represent one company exclusively.
We operate as a team of independent producers with access to over 30 top-rated insurance carriers. Our mission is straightforward: find the right coverage for the right person at the right price, with no pressure and complete honesty.
When you request a quote or reach out to TruVera Financial, here is exactly what happens — no surprises, no runaround.
We gather basic information about your coverage needs, health history, and budget. We then compare options across our carrier portfolio to identify policies that genuinely fit your situation. We present options clearly, explain trade-offs honestly, and never push a product that doesn't serve you.
We do not cold call leads without prior consent. All client relationships begin with a voluntary inquiry through our website, referral, or direct contact. We do not purchase or use cold lead lists to contact people who have not expressed interest in our services.
Zero Pressure — Always. TruVera agents work on a commission basis, which means we only earn when a policy is placed. Despite this structure, our standard of practice is to never push, pressure, or manipulate a client into a purchase. If a product isn't right for you, we will tell you that directly. Our long-term reputation matters more than any single sale.
In the interest of full transparency, here is how TruVera Financial and its agents are compensated for their work.
| Source | How It Works | Cost to You |
|---|---|---|
| Carrier Commissions | When a policy is placed, the insurance carrier pays TruVera agents a commission. This is built into the carrier's cost structure — not added on top of your premium. | $0 — your premium is the same whether you use an agent or apply directly. |
| Consulting / Quote Services | All quote requests, consultations, and policy comparisons are provided at no charge. | $0 — always free. |
| Renewals | For some policy types, agents may receive ongoing renewal commissions as long as the policy remains active. | $0 — no additional cost to you. |
TruVera Financial does not charge clients any fees for consultations, quotes, applications, or ongoing service. Our agents are compensated by the insurance carriers — a standard and regulated practice across the life insurance industry.
Because different carriers pay different commission rates, there is an inherent incentive in the industry to favor higher-commission products. TruVera Financial's standard of practice is to recommend policies based on the client's best interest — value, carrier strength, underwriting flexibility, and coverage — not commission rate. We disclose this potential conflict so you can hold us to it.
TruVera Financial takes your privacy seriously. This section explains what information we collect, why we collect it, and how it is used and protected.
Information We Collect
How We Use Your Information
We do not sell your personal information. TruVera Financial does not sell, rent, or trade your personal data to third-party marketers, data brokers, or any other parties for commercial purposes. Your information is shared only with insurance carriers as necessary to fulfill your quote or application requests.
You have rights over the personal information you share with TruVera Financial. We honor those rights fully and without condition.
To exercise any of these rights, contact us directly at info@truverafinancial.info or call (586) 303-5802. We will respond to all data requests within a reasonable time, and no later than 30 days.
Data Security. We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. Our website uses HTTPS encryption. Sensitive insurance application data is transmitted only through secure, carrier-approved channels.
Data Retention. We retain client records for as long as required by applicable state insurance regulations — typically a minimum of 5 years following the end of a client relationship. Records are disposed of securely when no longer required.
Cookies. Our website may use cookies for analytics and functionality purposes. You may disable cookies in your browser settings. Doing so will not prevent you from accessing our site or requesting a quote.
TruVera Financial agents hold independent contractor agreements with multiple insurance carriers. These agreements grant us the ability to market and place coverage on behalf of those carriers.
TruVera Financial is a marketing organization and independent agency — not an insurance carrier. We do not underwrite policies, hold reserves, or assume insurance risk. All policies are issued directly by the applicable licensed insurance carrier.
The following disclosures are provided in compliance with applicable insurance regulations and in the interest of client transparency.
If you have a complaint or concern about a TruVera Financial agent or about a policy placed through our agency, please contact us directly first at (586) 303-5802 or info@truverafinancial.info. You also have the right to file a complaint with your state's Department of Insurance at any time.
For any questions about these disclosures, our privacy practices, or your rights as a client, please reach out directly. We respond to all inquiries promptly.
📞 (586) 303-5802
✉️ info@truverafinancial.info
📷 @truverafinancial on Instagram
These disclosures were last updated in 2026. TruVera Financial reserves the right to update this page as our practices evolve or as regulations require. Material changes will be noted with a revised effective date at the top of this page.
We're real people. Call us, email us, or reach out on Instagram. No automated systems, no runaround.