We Help Businesses & People Make Smarter Decisions When It Comes to Insurance
Denesha Insurance Agency

Understanding your Life Insurance Needs

Wondering how much life insurance might cost you? Tap Quick & Easy Quote below for a fast, hassle-free estimate. See how affordable your family’s security can be!

Deciphering Your Ideal Coverage: One Size Doesn’t Fit All

Deciding on life insurance is a deeply personal choice that hinges on your financial situation, obligations, and future aspirations. Unlike a one-size-fits-all solution, your coverage should reflect the unique tapestry of your life’s potential financial needs and goals.

Quick Estimation Method:

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 ($100K wage x 10 years = $1 million).
  • Mortgage: Home debt or housing costs.
  • Education: Future educational expenses for your offspring.

Selecting the Coverage Span

Determine the length of coverage based on key life events, such as the payoff of your mortgage, your children’s graduation, your retirement, or achieving a financial milestone.

Types of Life Insurance

  • Term Life: Ideal for specific timeframes, usually during peak financial responsibilities.
  • Whole Life: For lifelong coverage, providing peace of mind regardless of when life’s curtain falls. 
Ready for a more tailored insurance quote that fits your specific needs? Click below to begin the process of finding the perfect life insurance plan for you.

Don’t Wait to Get 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.

Embracing a Million-Dollar Coverage with Denesha

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.

See what our clients say about us