Learning Center

Visit the Learning Center to Find the Answers to Your Insurance Questions

When it comes to understanding the intricacies of the insurance world, the more resources you have at your disposal, the better. That's why TruOptions has created a home base for you to find all the tools you need to stay informed about the insurance industry and all of your options.

When you team with TruOptions, not only do you get the benefit of nearly 30 years of experience, but we also offer a variety of resources to help you expand your base of knowledge when it comes to insurance. We provide a wide variety of articles covering a host of pertinent topics, plus glossaries, FAQs and calculators.

After you've found all the information you need in our Learning Center, give us a call us at 919.957.3333 or send us an e-mail to schedule an appointment with your personal advisor.



If you’re like an overwhelming majority of Americans, you wonder "what does my future hold?" If your retirement savings isn't on the right path, your quality of life could be jeopardized. Protecting your loved ones and hard-earned wealth is critical. It's time to plan your retirement savings now.

TruOptions: Protecting your Future


Before founding TruOptions in Raleigh, Bruce Matthews worked for 14 years in a financial services role at a major national firm. He left behind the big city and the prestige that comes with an established business to launch his own company. Starting a new business is a highly-uncertain venture, even in prosperous economic times, but Matthews took on the risk because he didn't want to have to answer to rigid corporate leadership. "They want you to do what they say," Matthews said. "I wanted to do business differently. More personally.

Automobile Insurance Basics


Automobile insurance is used to protect you against expenses if you are involved in an automobile accident.

Liability coverage is required by North Carolina law.

The liability section can be separated into Bodily Injury Liability and Property Damage Liability.  Bodily Injury will pay for damages to other people as a result of an accident caused by you or another covered driver.

Homeowner Quote Basics


When requesting a quote for homeowner coverage, some of the questions you will be asked include:  What is the location or physical address?  What is the age of the home?  What is the construction type?  What is the value of your home?  Do you have any special collections or high-valued items that need to be covered?  Do you know your fire district?  How close are you to the fire department or fire hydrant?  Have you had any previous homeowner claims?

Automobile Insurance Quote Basics


Automobile Insurance rates are determined through underwriting.  Underwriting is the process by which an insurance company considers your application and evaluates your driving record and other factors to see if you meet its guidelines.

Insurance companies use a variety of factors to determine the level of risk each applicant presents.  Each company will use its own underwriting guidelines.

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Bruce Matthews

C. Bruce Matthews, CWM®, CTEP®
Founder Of Truoptions

With over 25 years of
experience in aiding North
Carolinians, Bruce Matthews
is the choice as a
knowledgeable partner
to help you understand
your insurance and
financial options.