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Denesha Insurance Agency

How much is a $500 K policy?

Stressed about life insurance costs? Choose Denesha for affordable, tailor-made policies that fit your budget with ease

Get a 1-minute quote to see for yourself how affordable life insurance can be. Or take our needs analysis to see if a $500 K life insurance policy will be enough to protect your family.

A Smart Strategy to Save on Life Insurance

Getting life insurance early on is a wise move, setting you up for the best possible rates. On average, life insurance costs can rise by 8% with each year you wait. But once you’ve signed your policy, your rate is fixed and won’t change for the duration of the policy’s term.

$500K Online Term Life Policies with Denesha

Obtain a life insurance policy of up to $500k without breaking the bank. Here’s a glimpse of our cost-effective premiums for a span of 10 to 30 years for non-smoking individuals aged 35.

Don’t wait until it’s too late! Protect your family Today

Secure your family’s financial future with insurance that addresses burdens like funeral expenses, outstanding loans, home installments, academic fees, and daily needs. Begin your journey towards a secure future with a hassle-free online insurance quote. With just a few clicks and health-related answers, you’re steps away from a no-medical-exam life insurance. A quick, efficient way to shield your dearest.

Is a $500K Policy the Right Fit for You?

While individual circumstances vary, some standards can guide your choice. A $500K life insurance safeguards your loved ones, but is it sufficient?

Professionals suggest coverage that’s a minimum of tenfold your yearly earnings. Alternatively, the DIME method (debt, income, mortgage, education) can aid in tailoring your coverage selection.

  • Debt: Your remaining financial obligations, e.g., educational loans or card dues.
  • Income: Projected years of family support multiplied by your wage ($50k wage x 10 years = $500k).
  • Mortgage: Home debt or housing costs.
  • Education: Future educational expenses for your offspring.

Eligibility for a $500,000 Denesha Life Insurance Policy

  • Age: Insurance rates generally rise with age. Youth equals more potential coverage.
  • Health: A healthier lifestyle improves your chances for an elevated policy.
  • Income: Most applicants are eligible for policies up to 30x their annual income. Evaluate your income and fiscal standing to determine your ideal coverage.

Why Denesha? Because We Care.

Quick Online Quotes

Denesha ensures a speedy and simplified application process. Finish our digital application swiftly. No paperwork, no calls—although we’re here if you need assistance. Our office hours are 9:00 Am to 5:30 Pm Monday to Friday. When you call us, there will be real experts ready to assist you – no automated responses.

Tailored, Cost-Effective Coverage

Diverse coverage options to resonate with your needs and finances.

Genuine Counsel, Zero Pressure

Choose when and if you’d like to connect with our expert consultants. We’re here to guide, never to pressure.

Dive into Denesha’s World – Get Your Personalized Quote Now

Explore projected rates for a comprehensive $500K life insurance protection. While individual circumstances vary, some standards can guide your choice. A $500K life insurance safeguards your loved ones, but is it sufficient?

Do you have the NEW life insurance?

Most people don’t know that there is a new life insurance where you don’t have to die to receive benefits. I can facilitate this for you!

What are the types of Life Insurance?

Term Life Insurance
  • What It Is: A policy that provides coverage for a set period, typically 10, 20, or 30 years.


  • Who It’s For: Ideal for people who need significant coverage for specific financial commitments that will diminish over time, such as a mortgage or children’s education costs.
Permanent Life Insurance (Whole Life, Universal Life)
  • What It Is: These policies provide lifelong coverage and feature an investment component where cash value accumulates.


  • Who It’s For: Best suited for those seeking both lifelong protection and a means to accumulate tax-deferred savings.
Whole Life Insurance
  • What It Is: Whole Life insurance is a type of permanent life insurance that offers guaranteed lifetime coverage, provided premiums are paid. One of the defining features is its cash value component, which grows at a guaranteed rate.


  • Who It’s For: This policy is particularly suited for those who desire a fixed premium and guaranteed growth of cash value. It’s a good fit if you’re looking for both a long-term financial safety net and a potential source of loans or cash withdrawals.

Universal Life Insurance
  • What It Is: Universal Life insurance is another form of permanent life insurance, but it offers more flexibility than Whole Life insurance. You can adjust your premium payments and death benefits to some extent. It also has a cash value component, but the growth is tied to current interest rates or investment performance.


  • Who It’s For: This policy is ideal for those who want lifetime coverage but also desire some level of flexibility to adjust premiums and death benefits according to their changing financial situation.

Indexed Universal Life Insurance
  • What It Is: Similar to universal life insurance but with the cash value portion earning interest based on the performance of a market index.
  • Who It’s For: Suitable for those who want the potential for higher returns without the risks of direct investment in the market.
Variable Life Insurance
  • What It Is: A permanent life insurance policy with an investment component that allows you to invest your cash value in various sub-accounts.


  • Who It’s For: Those who are financially savvy and want to integrate their life insurance with an investment opportunity.
Final expense Insurance
  • What It Is: This is a more specialized, smaller coverage policy designed to cover funeral costs and other end-of-life expenses.


  • Who It’s For: Generally targeted at seniors who wish to ensure that their families are not burdened with their end-of-life expenses.

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