Protecting What Matters Most
Customized insurance solutions for peace of mind. Get coverage that fits your life and budget.
About TrueWellness Financial Services
Trusted advisors helping Canadians secure their financial future
Your Trusted Partners in Financial Security
At TrueWellness Financial Services, we believe everyone deserves access to affordable, reliable life insurance protection. Our mission is to simplify the insurance process and provide customized solutions that meet your unique needs.
With a wealth of experience serving Canadian families, we've helped several clients find peace of mind through comprehensive coverage options from Canada's top insurance providers.
Expert Guidance
Our licensed advisors take time to understand your situation and recommend the best coverage options.
Client-Focused
We put your needs first, not the insurance companies. No pushy sales tactics, just honest advice.
Fast Approval
Many policies can be approved instantly with no medical exam required.
Our Financial Services
Comprehensive solutions to protect your family and grow your wealth
Life Insurance
Protect your loved ones with term, whole, or universal life insurance tailored to your needs and budget.
Learn MoreRESP
Save for your child's education with government-matched contributions and tax-free growth.
Learn MoreInsurance Solutions
Find the perfect coverage for your unique situation
Affordable protection for a specific period (10, 20, or 30 years). Ideal for covering mortgages, income replacement, or other temporary needs.
Key Benefits:
- Lowest premiums of all life insurance types
- Convertible to permanent coverage without medical underwriting
- Renewable at the end of term (premiums increase)
- Coverage amounts from $100,000 to $10,000,000
Why term life insurance is better than bank mortgage insurance:
- You own the policy - stays with you even if you change lenders
- Lower long-term costs - often more affordable than bank insurance
- Fixed coverage - payout doesn't decrease as mortgage is paid down
- Beneficiary control - family receives funds directly, not the bank
- Portable - coverage continues even if you move or refinance
Lifelong protection with guaranteed cash value growth. Premiums remain level for life, and policy builds tax-advantaged savings.
Key Benefits:
- Coverage lasts your entire lifetime
- Fixed premiums that never increase
- Guaranteed cash value growth
- Potential to earn dividends (participating policies)
- Tax-advantaged savings component
Flexible permanent coverage with investment options. Adjust your premiums and death benefit as your needs change.
Key Benefits:
- Adjustable premiums within limits
- Investment component with tax-deferred growth
- Can increase or decrease death benefit
- Potential for cash value accumulation
- Estate planning benefits
Essential coverage for visitors to Canada. Canada's free healthcare doesn't cover visitors - don't risk sky-high medical bills!
Key Benefits:
- Emergency medical coverage up to $200,000
- Hospital, dental, prescription drug coverage
- Available for visitors up to age 85
- 24/7 emergency assistance
- Coverage from 5 days to 1 year
Coverage options for those with health issues or who have been denied traditional life insurance.
Simplified Issue:
- No medical exam required
- Few health questions
- Faster approval than traditional underwriting
- Coverage up to $500,000
Guaranteed Issue:
- No medical questions
- Approval guaranteed for ages 18-74
- Coverage from $10,000 to $25,000
- Ideal for final expenses
Why Choose TrueWellness?
We're different from other insurance providers
Independent Advice
We're not tied to any single insurance company. We shop multiple providers to find you the best coverage at the best price.
Expertise You Can Trust
Our advisors hold advanced certifications and undergo continuous training to provide up-to-date, accurate advice.
Personalized Service
We take time to understand your unique situation and recommend solutions tailored to your specific needs.
Ongoing Support
We don't just sell policies - we provide lifetime service, annual reviews, and claims assistance when you need it most.
Meet Our Team
Dedicated professionals committed to your financial security
Chelobiah Omo-Okoro
Licensed Financial Professional
With over 10 years of experience in financial services, Chelobiah specializes in finding the perfect insurance solutions for families and businesses.
Contact Chelobiah
Dr. Patricia Omo-Okoro
Financial Educator
Patricia brings her expertise in financial education to help clients understand their options and make informed decisions about their future.
Contact PatriciaWhat Our Clients Say
Don't just take our word for it
Trusted Insurance Providers
Frequently Asked Questions
Get answers to common insurance questions
How much life insurance do I need?
A good rule of thumb is 10-15 times your annual income, but the right amount depends on your specific situation. We consider factors like debts, mortgage, education costs for children, final expenses, and income replacement needs to calculate your ideal coverage amount.
What's the difference between term and permanent life insurance?
Term life insurance provides coverage for a specific period (10, 20, or 30 years) at lower initial premiums. Permanent life insurance (whole/universal) lasts your lifetime and builds cash value, but costs more. Term is ideal for temporary needs like mortgages, while permanent works for lifelong needs and estate planning.
Can I get life insurance if I have health issues?
Yes! We specialize in finding coverage for people with health conditions. Options include simplified issue (few health questions) or guaranteed issue (no health questions) policies. While premiums may be higher than standard policies, protection is still available.
How long does it take to get approved?
Simplified and guaranteed issue policies can be approved instantly. Fully underwritten policies typically take 2-6 weeks depending on medical requirements. We always explain the process upfront so you know what to expect.
Why is life insurance cheaper when you're younger?
Insurance companies base premiums on risk. Younger, healthier applicants are statistically less likely to pass away during the policy term, so they qualify for the lowest rates. Premiums increase as you age, so locking in coverage early can save thousands over time.
Ready to Protect Your Family's Future?
Get a free, no-obligation quote in minutes. See how affordable peace of mind can be.
Contact Us
Get in touch for personalized insurance advice
Our Office
Address
Truro, NS
Phone
Hours
Monday-Friday: 9am - 5pm
Saturday: By appointment
