ProtectionTerm Life Insurance
Affordable coverage that replaces your income and pays off the mortgage if you die while your family depends on you.
- 10 to 30 year terms
- No-exam options for many applicants
- Living benefits on many policies
Independent life insurance & annuity agent
Protect your family. Plan your retirement. Work with a licensed agent who compares carriers for you.
I'm Nag Sonti. I help individuals and families choose term life insurance, IUL and annuities from multiple top-rated insurance companies, explained in plain English.
- Licensed in 10 states
- Independent, multiple carriers
- $0 fee for reviews
10 statesLicensed in AZ, CA, FL, GA, NC, NJ, PA, SC, TX, VA
IndependentMultiple top-rated carriers compared
4 specialtiesTerm life, IUL, annuities, premium financing
$0Fee for consultations and reviews
What we offer
Protection
Lifetime coverage + cash valueIndexed Universal Life (IUL)
Permanent coverage with cash value that earns interest tied to a market index, with a 0% floor.
- Coverage that does not expire
- Tax-advantaged cash value
- Access through policy loans
Retirement incomeAnnuities
Protect savings from market drops and turn them into guaranteed income for life.
- Fixed and fixed indexed annuities
- 401(k) and IRA rollovers
- Lifetime income options
Retirement income
Your investments are diversified. Is your retirement income?
Most retirees take every dollar of income from one kind of account, taxed one way, with no guarantee. We help you build a floor of income you can't outlive and spread savings across three tax buckets.
- Guaranteed income for essential bills
- Control over how much tax you pay each year
- A protected share for market drops near retirement
Goal: income that lasts, with control over taxes
Bucket 1TaxableTaxed every year
- Savings and CDs
- Brokerage accounts
- Emergency fund
Bucket 2Tax-deferredTaxed when withdrawn
- 401(k), 403(b), TSP
- Traditional IRA
- Fixed & indexed annuities ✦
Bucket 3Tax-freeIf the rules are met
- Roth IRA and Roth 401(k)
- IUL policy loans ✦
- HSA for medical costs
The floor: guaranteed income for lifeSocial Security · Pensions · Lifetime income annuities ✦
LenderLends the premium money
Pays premiums →
Insurance carrierIssues the IUL or whole life
↑ Pays interest yearly
Your trust (ILIT)Owns the policy, owes the loan
↓ Policy issued to trust
CollateralThe policy, plus assets you pledge as needed
Loan repaid at exit →
ExitCash value, death benefit or other assets
For business owners and builders
Large life insurance without draining your capital
Premium financing lets owners with significant net worth fund large policies with a bank loan, keeping cash in projects, land and the business. We coordinate the lender, carrier, your CPA and your attorney, and we stress-test every design.
- Estate liquidity and business succession
- Buy-sell funding for partners
- Key-person and lender-required coverage
Why an independent agent
I work for you, not one company.
I compare multiple carriers so you see real choices and prices.
Plain English, no pressure.
You get the costs, the trade-offs and what each option does not do.
Help with approval.
I know which carriers treat health conditions more favorably.
A relationship, not a sale.
I review every client's coverage each year as life changes.
Work with TrueFin in four steps
No cost and no obligation at any step.
- 1Free consultation
A 20-minute call or video meeting about your family, business and goals.
- 2Needs analysis
We quantify your need and compare options from multiple top-rated carriers.
- 3Clear recommendation
Guaranteed values first, the trade-offs, the costs and what each option does not do.
- 4Apply and review yearly
We handle applications and underwriting, then review your plan every year.
Free tool
How much coverage does your family need?
Change the numbers to estimate your coverage gap. Then call and I'll check it against real quotes.
From the Knowledge Center
RetirementMarket Watch: The Fed raised rates. What it means for your safe money
Rates on fixed annuities are near 15-year highs while inflation runs at 3.7%. How to think about locking in before the Fed meets.
Life InsuranceOpen enrollment: is your work life insurance enough?
What group coverage really covers, when it ends, and how to fill the gap while you are healthy.
RetirementDiversify your retirement income, not just your investments
Three tax buckets on a floor of guaranteed income, and the five risks every retiree faces.
BusinessPremium financing: large life insurance without draining your cash
How business owners and builders fund big policies with a loan, and the risks to stress-test.
Ready to compare your options?
A free 15-minute call with a licensed agent. No obligation.