15 minutes with Dev. Zero pressure. We'll show you the best options from 30+ carriers.
Last reviewed July 2026 by Dev Gaymes, Texas-licensed life insurance agent, NPN 16654074 · Editorial policy
Life insurance rates are filed with state regulators, so the premium is identical whether you buy direct, through a call center, or through a broker. Nobody has a discount. What changes is which carrier evaluates your file, and each one prices from its own claims experience.
The same person can be Preferred at one company and table-rated or declined at another, on the same health history and the same paperwork. For a healthy 30-year-old that spread barely registers. With diabetes, sleep apnea, a cancer history or nicotine use, it is frequently the difference between an affordable policy and an unaffordable one.
That matching is the entire job, and it happens before anyone applies, because every application leaves a record, and a decline makes the next one harder. Fifteen minutes now is what avoids that.
Want a ballpark first? Instant term rates need no email or phone number, though a quoting engine cannot tell you which carrier fits your file.
We'll reply within 1 business day.
6060 N Central Expy Ste 500, Dallas, TX 75206 · 214-989-7704
You can schedule a free 15-minute discovery call with Dev Gaymes through the booking calendar on the Schedule a Call page, by calling 214-989-7704, or by emailing Dev@DGLifeGroup.com. The call is free with no obligation.
During the 15-minute call, Dev asks about your family situation, financial goals, and any health considerations. He then compares options from 30+ A-rated carriers and presents 2-4 top choices with clear pros and cons. There is zero sales pressure.
Yes. While DG Life Group is headquartered in Dallas, TX at 6060 N Central Expy Ste 500, Dev Gaymes is licensed in 19 states and serves clients nationwide. Consultations are conducted by phone and video.