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Life insurance and annuity agent serving all of California
Independent agent for term life, indexed universal life (IUL), annuities and retirement income planning in California. We compare multiple carriers and meet by phone and video anywhere in California.
Short answer: TrueFin Services is an independent life insurance and annuity agency licensed in California. We compare term life, IUL and annuity options from multiple highly rated carriers for California families, tech professionals and business owners, then help you apply.
Why people in California work with us
- High home prices mean larger mortgages and larger coverage needs
- Tech employees often rely on group life that ends when they change jobs
- High earners use IUL as a supplemental, tax-advantaged retirement bucket
- Business owners use life insurance and premium financing for estate and buy-sell planning
What we offer in California
Your consumer protections in California
- Regulator: the California Department of Insurance licenses agents and insurers and handles consumer complaints.
- Free look: every new life insurance policy and annuity comes with a free-look period, usually at least 10 days and often longer for seniors and replacements, when you can cancel for a refund. We point it out in your contract.
- Guaranty association: California's guaranty association covers 80% of a contract's value, up to $300,000 in death benefits, $100,000 in cash value and $250,000 in annuity value. California law also gives buyers age 60 and older a 30-day free-look period on individual life insurance and annuities.
Agent tip: Your rate is locked to your age and health on the day you apply. Waiting a year usually costs more than the policy itself.
California life insurance and annuity questions
Are you a licensed life insurance agent in California?
Yes. Nagendra (Nag) Sonti is licensed to sell life insurance and annuities in California. You can verify any agent's license with the California Department of Insurance or through the NAIC's national lookup.
Can I buy term life or IUL in California without meeting in person?
Yes. We meet by phone and video anywhere in California. Applications are signed electronically, and many healthy applicants qualify without a medical exam.
How much does life insurance cost in California?
Price depends mostly on your age, health, tobacco use, the coverage amount and the term length, not your city. A healthy 35-year-old can often get $500,000 of 20-year term for less than a monthly phone bill. We compare several carriers to find your best rate.
Can I roll my 401(k) or IRA into an annuity in California?
Yes. A direct rollover into a fixed or fixed indexed annuity avoids taxes and the 20% withholding. We help California residents compare annuity rates, surrender periods and income options.
What protects my policy if an insurance company fails in California?
California's guaranty association covers 80% of a contract's value, up to $300,000 in death benefits, $100,000 in cash value and $250,000 in annuity value. California law also gives buyers age 60 and older a 30-day free-look period on individual life insurance and annuities. Limits vary by state; see nolhga.com for details.
What if I move out of California?
Your policy or annuity stays in force when you move. We can keep serving you in any state where we are licensed, and we add licenses as clients need them.
Your price is based on your age and health today.
A free 10-minute call shows exactly where you stand. Straight answers, no obligation.