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Most financial experts recommend 10–15× your annual income, but the real answer depends on your debts, dependents, mortgage, and goals. Our free calculator uses the DIME method for a personalized number in 60 seconds.
Living benefits let you access a portion of your death benefit while alive if diagnosed with a critical illness (heart attack, stroke, cancer), chronic illness, or terminal illness. The funds are tax-free and can be used for anything. See our full comparison guide →
Yes! No-exam policies use health questionnaires and electronic database checks. Many clients approved in minutes. Try our instant online quote tool →
Term for affordable, temporary coverage. Whole life for permanent coverage + cash value. Universal/IUL for flexible premiums + market-linked growth. For most families, we recommend term with a living benefits rider. Read our full guide →
A healthy 30-year-old can get $500K, 20-year term for roughly $20–$35/month. Whole life costs $150–$450/month but includes cash value. See our pricing page →
Term covers a set period (10-30 years) with death benefit only — if you outlive it, coverage ends. Whole life covers your entire life with cash value that grows and can be borrowed against. Term is more affordable; whole life is more comprehensive. Many clients use both.
Yes. Many of our 30+ carriers cover diabetes, high blood pressure, heart conditions, depression, and more. We know which carrier gives the best rate for YOUR health profile. Guaranteed issue policies require no health questions at all.
We're independent — not captive to any single company. We represent 30+ A-rated carriers, so we shop the entire market. We also specialize in living benefits, which many agents don't offer. See our process →
We receive commissions from carriers when you purchase a policy. You never pay us directly — our service is free to you. Because we're independent, we have no incentive to push one carrier over another.
Most clients go from first call to active coverage within 1–2 weeks. No-exam policies can be approved in minutes. The discovery call itself is just 15 minutes.
Dev Gaymes is licensed in 22 states across the U.S., with our home office in Dallas, Texas. NIPR# 16654074 — verify at nipr.com.