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INDEPENDENT INSURANCE BROKER · INSURANCE-ONLY20-MIN FIRST CALL · NO SCRIPT, NO SALES PITCH
Dimeguard

Life & disability

Estimate the coverage your family may need.

A short conversation about who depends on your income, what they would need, and which term or permanent coverage may fit your situation. No products pitched on the first call.

Book a 20-min callWhat we look at →

What we look at on a first call

Five inputs, plain language.

Most of these you already know off the top of your head. Anything missing, we name on the call and move on.

Income to replace

How many years of income your family would need if it suddenly stopped, and for whom.

Dependents

Children, partner, parents — anyone whose plans rely on your income today.

Existing employer coverage

What your group life policy actually covers — and what happens to it when you change jobs.

Term vs permanent fit

Whether a level-term policy is enough for the years that matter most, or whether a permanent piece may belong in the mix.

Riders worth knowing

Disability waiver, accelerated death benefit, child term — small additions that can matter at claim time.

How term vs permanent compares

Two different jobs, sometimes both at once.

Most families need term coverage for the years they're still building. A permanent piece may belong in the picture for specific reasons — estate, business, or a long-tail dependent.

Term

For the years that matter most.

  • Fixed coverage for a set number of years (commonly 10, 20, or 30).
  • Lower premium relative to permanent for the same death benefit.
  • Designed to cover income-replacement years — typically while raising kids or carrying a mortgage.
  • No cash value; coverage ends when the term ends.

Permanent

For coverage that needs to outlast a term.

  • Coverage designed to remain in force for life, as long as premiums are paid.
  • Builds cash value over time; the trade-off is a higher premium.
  • Used in narrower situations — estate planning, a special-needs dependent, business continuity.
  • Not a substitute for investment accounts. We talk through fit before recommending.

Questions

Common life-insurance questions.

Do you sell whole life?

I place both term and permanent policies, including whole life, when the situation calls for it. I don't lead with permanent — most families I work with need term coverage first, and we talk through whether a permanent piece belongs in the picture at all.

How do you decide between term and permanent?

It comes down to what the coverage is for. Income replacement for working years usually points to term. A specific long-tail need — estate, business, a dependent who will need support for life — may point to a permanent piece. We talk it through before any recommendation.

Do you work with people who've been declined before?

Sometimes. It depends on why the previous decline happened and how long ago. I can talk through the situation on the first call and tell you whether it's worth re-applying, and which carriers may underwrite differently.

Is the carrier commission disclosed?

Yes. Compensation comes from the carrier on any policy you place — I'll tell you in plain terms how that works before you sign anything.

How much coverage do most clients end up with?

It varies widely with income, dependents, and what's already in place. We look at the actual numbers on a first call — the goal is a coverage range that fits your situation, not a benchmark from someone else's.

Ready when you are

The shortest path to a real coverage number.

20 minutes, no script, no obligation. Bring whatever you already know — I'll fill in the rest.

Book a 20-min call

Saral Toms is a licensed insurance broker. Insurance-only licensure. Not investment, tax, or legal advice — for informational purposes only.