Last Updated: May 7, 2026
1. Independent Agent Status
TrueLifeIns is an independent insurance agency. Jiri Krejsa is a licensed independent insurance broker (NPN 21237103) and is not an employee of Symmetry Financial Group (SFG) or any individual insurance carrier represented on this site.
TrueLifeIns utilizes the Symmetry Financial Group platform to access a broad network of A-rated insurance carriers in order to find suitable coverage for our clients. We do not represent any single carrier exclusively.
2. Product Scope
TrueLifeIns offers fixed life insurance products, including term life, whole life, final expense, and indexed universal life (IUL), as well as fixed and fixed-indexed annuities. We do not offer variable products such as variable universal life (VUL) or variable annuities, which require securities licensing outside the scope of an insurance license.
3. Licensing & Geographic Availability
Jiri Krejsa is currently licensed to solicit insurance products in the following states:
- Nevada (NV)
- Texas (TX)
- Maryland (MD)
- West Virginia (WV)
- Maine (ME)
- Ohio (OH)
- Virginia (VA)
- South Carolina (SC)
- Michigan (MI)
National Producer Number (NPN): 21237103. This website is not a solicitation for insurance in any state where the agent is not currently licensed. License status can be verified through the National Insurance Producer Registry at nipr.com.
4. Quotes, Estimates & Coverage
All quotes generated by the D.I.M.E. Calculator, market audit, or any other tool on this site are non-binding estimates based on the information provided. Final premium rates, eligibility, and policy terms are determined solely by the insurance carrier through its formal application and underwriting process.
Coverage is subject to the terms, conditions, limitations, and exclusions of the specific policy issued. No coverage is in force until a policy has been formally issued by the carrier and the required premium has been received.
5. Scope of Advice
Jiri Krejsa is a licensed independent insurance broker and provides insurance recommendations within the scope of that license. Nothing on this site is intended as legal, tax, accounting, or investment advice — those areas fall outside an insurance license, and you should consult your own qualified attorney, CPA, or financial advisor regarding those matters.
6. Indexed Universal Life (IUL) & Cash-Value Life Insurance
Indexed universal life (IUL), whole life, and other cash-value life insurance products discussed on this site are insurance products we are licensed to recommend and place. Suitability for you is determined through a one-on-one review of your goals, health, budget, and financial situation — not from a website alone.
Important consumer information that applies to any cash-value life insurance policy:
- Tax treatment of life insurance is governed by federal and state tax law, which may change.
- Policy loans, withdrawals, and surrenders may reduce the death benefit, may have tax consequences, and can cause the policy to lapse if not properly managed.
- Cash-value performance depends on the financial strength and claims-paying ability of the issuing carrier and on sufficient premium funding.
- Past or hypothetical index performance is not a guarantee of future results.
Any references to "tax-free" income, growth, or distributions describe general features of certain life insurance contracts under current tax law and are not a promise or guarantee of tax treatment for your specific situation. Always consult a qualified tax professional.
7. Carriers Referenced
References to specific insurance carriers (such as Mutual of Omaha, Americo, and others) on this site are for informational purposes to indicate the network of companies through which we may be able to place coverage. We do not represent any of these carriers exclusively, and inclusion of a carrier name does not imply endorsement of TrueLifeIns by that carrier. Carrier availability varies by state and product.
8. No Guarantee of Approval
Submission of an inquiry, market audit request, or application does not guarantee that any insurance carrier will offer coverage, nor that coverage will be offered at any particular premium or rate class. All offers of coverage are subject to carrier underwriting, which may include health questions, medical records review, prescription history, motor vehicle records, and other underwriting criteria.
9. Third-Party Links
This site may contain links to third-party websites (including carrier sites and regulatory resources). We are not responsible for the content, accuracy, or privacy practices of those sites. Use of any third-party site is at your own risk and subject to that site's terms.
10. Trademarks
"Symmetry Financial Group" and any carrier names or logos referenced on this site are the trademarks of their respective owners and are used here for identification and informational purposes only.
11. Contact
Questions about these disclosures, or about a specific product or quote? Please reach out:
Jiri Krejsa
TrueLifeIns
Email: info@truelifeins.com
Phone: (702) 703-3373