Your health,
your coverage
I'm Carmen Santos, and I help individuals and families find health insurance that actually fits their lives. No jargon, no pressure — just honest guidance from someone who cares.
Carmen Santos
Founder & Licensed Agent
20+
Years in Health Insurance
10K+
Families Covered
98%
Client Satisfaction
1-on-1
Personal Guidance
Coverage designed around your health
Individual &
Family Plans
Personalized health coverage for you and your loved ones — from HMOs to PPOs, I help you find the right fit.
Learn MoreMedicare
Solutions
Navigate Medicare with confidence. I simplify Advantage, Supplement, and Part D plans so you can make informed decisions.
Learn MoreLife &
Supplemental
Protect your family's future with life insurance and supplemental coverage for the unexpected moments.
Learn MoreDental &
Vision
Comprehensive dental and vision plans to keep your whole-body health covered beyond the basics.
Learn More
Health insurance
made personal
I'm Carmen Santos, founder and licensed health insurance agent at TRU. For over 20 years, I've helped thousands of individuals and families navigate the complexities of health coverage — from open enrollment to life-changing moments that require the right plan.
I started TRU because I believe everyone deserves an advocate who will take the time to explain their options, fight for the best rates, and be there when it matters most. When you work with me, you're not a policy number — you're family.
Your Personal Health Insurance Advocate
I sit down with every client one-on-one to understand your health needs, budget, and family situation before recommending a single plan.
Clarity Over Confusion
Insurance is complicated — I make it simple. No jargon, no fine-print surprises. You'll understand exactly what you're covered for.
Here When It Matters
A claim denied? A life change? I'm a phone call away. My clients don't navigate the system alone — I handle it with them.
Let's find your plan
Tell me a little about yourself and I'll reach out within 24 hours to schedule your free consultation.
Reach Carmen directly
Prefer to talk first? I'm always happy to answer questions — no commitment required.
Phone
(555) 123-4567
carmen@truinsurance.com
Office
123 Insurance Street
Suite 100, City, State 12345