A free life insurance concierge that shops for you.
Tell us about yourself once. We contact several top-rated carriers at the same time, talk to their underwriters, and bring back your health class, the best product to apply for, and real rates - all before you ever fill out a formal application.
Written by Brian Greenberg, CEO / Founder & Licensed Insurance Agent|MDRT member since 2013 · Licensed in all 50 states|Last reviewed: June 2026Quick answer: A life insurance concierge is a free broker service: a licensed specialist shops your case with multiple top-rated carriers at once, speaks directly with their underwriters, and returns your expected health class and real monthly rates before you ever apply. Clients routinely save up to 70%.
Start your free policy search
Tell us about your situation. A licensed specialist will shop multiple carriers on your behalf and reach out within 1 business day. No fee, no obligation, no pressure.
What you get from the concierge
What is the concierge service?
The concierge is True Blue's free life insurance shopping service. Instead of you filling out a single online quote on a single carrier's site, an experienced licensed specialist takes your case and shops it in parallel with several top-rated carriers at the same time. We talk directly to each carrier's underwriting team, share your medical and financial profile in confidence, and come back with each one's preliminary assessment - the health class they'd offer, the product they recommend, and the real monthly premium.
This matters because carriers don't all underwrite the same way. The same applicant - say a 45-year-old with controlled Type 2 diabetes, modest family heart history, and a 28 BMI - might be rated Standard at one carrier, Preferred at another, and declined at a third. That's normal. Our job as your independent agent is to identify the carrier that views your specific profile most favorably.
For most clients, the result is significant savings - we routinely see 30 to 70% lower premiums on the same coverage compared to applying with a single carrier picked at random. For applicants with any health condition, prior decline, or complex financial picture, the difference can be the gap between affordable coverage and no coverage at all.
The service is 100% free. True Blue is compensated by the issuing carrier only when you choose to apply and a policy is issued. The shopping itself never costs you anything, ever.
Open to everyone - but especially valuable if...
The concierge service is free and open to every U.S. resident, regardless of age, health, or coverage need. That said, the value is amplified in these situations.
You have any health condition
Diabetes, prior cancer, heart history, high BMI, sleep apnea, depression, anxiety, family history - carrier views vary wildly. We route your case to the carriers most likely to view your profile favorably.
You've been declined or rated before
A prior decline at one carrier is NOT a decline everywhere. We routinely place clients at Preferred or Standard who were declined elsewhere. Tell us the reason and we'll route accordingly.
You don't know what to buy
Term, whole, GUL, IUL, no-medical, hybrid - choosing the right PRODUCT is often more impactful than choosing the right carrier. Your specialist explains the tradeoffs in plain English.
You want the highest face amount
High-face-amount cases ($1M+) require carrier-by-carrier financial underwriting. We know which carriers are most generous on income-multiple, net-worth, and purpose-of-coverage limits.
Your case is complex
Business-owned coverage, key-person, buy-sell, trust-owned, charitable giving, foreign nationals, aviation/avocation risk - all benefit from underwriter conversations rather than online forms.
You simply want help
No specific reason needed. If you'd rather have a licensed expert do the comparison work and bring back a curated recommendation, that's exactly what the concierge is for.
Your concierge search in 3 steps
Tell us about you
Brief intake call with your specialist - demographics, medical and financial history, coverage goal, time horizon. Usually 15 to 20 minutes.
We shop the carriers
We send your case to 4 to 8 hand-picked carriers in parallel and talk to each underwriter. They reply with preliminary health class, product fit, and rate.
You see real options
We come back with a comparison: best rate, best product, best face amount, by carrier. You choose if and when to apply. No pressure, ever.
Quick search or comprehensive preliminary underwriting
Your specialist recommends the right depth on your first call - based on how complex your case is and how quickly you need answers.
Quick search
Best for simpler cases: healthy applicant, common product, modest face amount, no recent declines or major medical issues. Your specialist picks 2 to 3 well-matched carriers and returns rates fast.
- 1 to 3 business day turnaround
- 2 to 3 carriers shopped
- Best for healthy applicants
- Best for term or no-medical-exam policies
- Best for face amounts under $1M
Comprehensive search
Best for complex cases. We shop your case with 4 to 8 carriers and wait for each underwriting team to come back with a written preliminary health-class assessment based on YOUR profile - not a generic lookup table.
- 5 to 10 business day turnaround
- 4 to 8 carriers shopped in parallel
- Best for health conditions or prior declines
- Best for high face amounts ($1M+)
- Best for business / trust-owned / complex cases
Both options are completely free. Your specialist will recommend the right one on your first call - there's no pressure to pick the bigger one if your case doesn't need it. Every carrier we shop can be independently verified through the NAIC Consumer Information Source.
Same applicant, very different carrier verdicts
Here's what underwriting variance looks like in the real world: a 45-year-old with controlled Type 2 diabetes shopping a 20-year, $500,000 term policy.
| Carrier (illustrative) | Health class | Monthly premium | vs. best | 20-yr lifetime cost |
|---|---|---|---|---|
| Carrier A (diabetes-friendly) | Standard Plus | $58/mo | - | $13,920 |
| Carrier B | Standard | $74/mo | +28% | $17,760 |
| Carrier C | Table 2 (substandard) | $112/mo | +93% | $26,880 |
| Carrier D | Table 4 (substandard) | $148/mo | +155% | $35,520 |
| Carrier E | Declined | n/a | n/a | n/a |
Illustrative example. Real concierge cases routinely show this spread - which is exactly why we shop multiple carriers in parallel BEFORE you apply. We only shop carriers holding strong A.M. Best financial strength ratings.
True Blue concierge specialties
Each carrier has its own appetite for risk on specific conditions. We know which carrier looks favorably at each of these and route your case accordingly.
50+ top-rated carriers, one independent agency
True Blue is an independent agency licensed nationwide. We represent dozens of top-rated life insurance carriers and have direct underwriting relationships with each.
One form. Multiple carriers. Real rates before you apply.
A licensed concierge specialist will reach out within 1 business day. No fee, no obligation, no pressure.
Start My Free Policy SearchConcierge FAQ
Let an expert do the shopping for you
A licensed True Blue specialist will shop your case with multiple top-rated carriers, talk to their underwriters, and bring back real rates - all before you apply. Free, every time.
Start My Free Policy Search