Meet Dev Gaymes

How I Ended Up Doing This

I have been licensed since 2012. Like most people in this industry I started at a company that sold one carrier's products, and I was reasonably good at it. What bothered me was the cases where I knew the answer was somewhere else, a client with a health history the carrier priced badly, or someone who genuinely did not need what I was there to sell.

Going independent solved that. DG Life Group is a brokerage, not an agency of any one insurer. I place business with more than 30 A-rated carriers, which means the recommendation follows the situation instead of a product shelf. It also means I can tell someone their existing coverage is fine and there is nothing to do, which happens more often than the marketing in this industry suggests.

What I Actually Work On

Roughly in order of how often it comes up:

• Family income protection. Term coverage sized to a mortgage, an income, and a timeline. The majority of what I do, and usually the simplest.
• Cases with health history. Diabetes, sleep apnea, cardiac history, cancer in remission, elevated build. This is where independent brokerage earns its keep, because carriers diverge sharply on the same file. How conditions get underwritten.
• Living benefits. Structuring coverage that can be accessed during a serious illness, and comparing how differently carriers define the triggers. The guide covers those definitions.
• Business owners. Buy-sell funding, key person coverage, and collateral assignment when a lender requires it. Frequently under deadline.
• Retirement income. Where guaranteed income genuinely fits, and where it does not. Sequence of returns risk is usually the real question underneath.
• Reviews of coverage people already own. No charge, nothing to buy, and often the most useful conversation of the lot.

What I Turn Down

Worth being explicit about, because it says more than a list of credentials:

• Permanent policies sold as investments to people who have not maxed their retirement accounts. Cash value has a place, but it comes after the tax-advantaged accounts, not instead of them.
• Coverage amounts that stretch a household's budget. A policy that lapses in year six protects nobody.
• Replacing existing coverage when the existing coverage is fine. If your old policy is better than what I could sell you, I will say so.
• Strategies the client cannot explain back to me. If it takes a flowchart to justify, it is usually being sold rather than recommended.

Credentials, Plainly

• Licensed since 2012, NIPR# 16654074.
• Licensed in 19 states, including Texas and Florida.
• Appointed with 30+ A-rated carriers as an independent broker.
• Based in Dallas at 6060 N Central Expy Ste 500, Dallas, TX 75206, and living in the M Streets.

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Talk to Dev Directly

No call center, no hand-off. You'll work with Dev from the first call to the policy.