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Denesha Insurance Agency

Term life Insurance

A simple, affordable, and effective way to protect your family’s future for the next 10, 20, 30 years!

What is it, and how can it make a difference for you?

Think of Denesha’s term life insurance as a trusted friend, standing by your side for a set time – usually 10 to 30 years. If life throws a curveball, your loved ones have a financial safety net.

Reasons you need term-life insurance:

  1. Big Life Changes: Got married, had a baby, or bought a house? Our insurance is like a safety net for all your big moments.
  2. Leave a Safetynet Behind: Want to leave some money for your kids, grandkids, or a cause you care about? We’ve got you covered.
  3. You Run a Business: Own a small business? Insurance helps keep things running smoothly, even if you’re not there.

4. Sleep Easy at Night: Knowing your family has money to help them out if something happens to you? That’s peace of mind.

5. Good Coverage, Small Price: You get a lot of protection without spending a lot of money. It’s a win-win.

6. Easy-Peasy: Life’s complicated enough. That’s why we’ve made getting insurance with us quick and simple.

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!

Term vs Whole Life Insurance: Making Sense of It All

Term life insurance is like a reliable friend, there for you for a set period or term. Whole life insurance is more like a lifelong partner, there for you indefinitely, as long as you keep up with the premium payments, and it even has the potential to build cash value over time.

Term life insurance is an excellent choice for those looking for an affordable way to provide financial security during crucial times, such as when you’re raising a family or paying down a mortgage. It’s there to replace lost income and support your loved ones when they need it most.

Whole life insurance, with its lifetime coverage and cash value potential, is better suited for individuals with more complex financial needs or those who are looking for the long-term security and investment component that it offers.

Why Choose Term Life Insurance?

  • Affordable Protection: Term life insurance is often the most budget-friendly option, offering substantial coverage for lower premiums.
  • Simplicity: You pay a fixed premium for a set term, and your beneficiaries receive a predetermined amount if you pass away during that period.
  • Flexible Terms: Tailor your policy to your life stage or specific financial obligations. 
  • Short-Term Commitment: Ideal for those who need significant coverage now but anticipate fewer financial responsibilities in the future
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Personalized Protection with Denesha

Rest assured, you’re in good hands with Denesha. While we might not be one of the big players in the insurance world, we see that as our strength. We offer dependable coverage and have streamlined our application process to take just minutes, not weeks. With us, you’re not just a number; you’re a valued partner.

Why Choose Denesha? Here’s the Difference:

Always Here to Help: Our dedicated team is available Monday to Friday, 9 AM to 5:30 PM, ready to assist you. Whether you prefer to navigate your options independently or desire expert advice to find the perfect policy, we’re here for you.

Tailored Coverage Just for You: We offer a wide range of options, from $20,000 to $2 million, and terms spanning 10 to 30 years, ensuring you find coverage that fits your life like a glove.

Simple, Fast, and Hassle-Free: Our process is 100% online, incredibly straightforward, and requires no medical exams—just a few quick health questions, and you’re on your way to being covered.

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.

Why Trust Denesha Insurance Agency for Your Family’s Protection?

At Denesha Insurance Agency, we get it. You’re not just looking for any insurance; you’re looking for peace of mind, financial stability, and a great investment for you and your loved ones.

We take pride in our smaller size because it means we can offer a level of personal attention and care that the big insurance companies just can’t match. When you call us, you’ll always be greeted by a live person, ready to assist you. You’re not just a policyholder; you’re a partner, and we’re dedicated to taking care of our partners.”

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Frequently Asked Questions

Terry Denesha insurance agents Bakersfield CA
What Affects Your Life Insurance Premiums?
  • Age (Life insurance rates typically increase as you get older)
  • Gender (female tends to be less expensive)
  • Smoking (smoking increases premiums)
  • Health (poor health can raise premiums)
  • Lifestyle (risky activities can increase premiums)
  • Family medical history (chronic illness in relatives can raise premiums)
  • Driving record (good drivers save on premiums)
Can I Name Multiple Beneficiaries?

Yes, you can name multiple beneficiaries and even specify the percentage of the death benefit each should receive.

Are Life Insurance Payouts Taxable?

Generally, life insurance payouts are not subject to income tax, making them a tax-efficient way of passing wealth to the next generation or securing your family’s financial future.

How Does the Cash Value in Permanent Life Insurance Work?

The cash value in a permanent life insurance policy grows over time and can be used for loans, withdrawals, or even to pay premiums in some cases.

Can I Change My Coverage Later?

Most types of life insurance, especially Universal Life, offer some flexibility to adjust premiums and coverage amounts. However, modifications may be subject to underwriting and other fees.

How Long Does it Take to Receive the Death Benefit?

Once a claim is filed and approved, beneficiaries usually receive the death benefit within 30 to 60 days.

Need me to facilitate this personally?

Schedule a free consultation with me, we can discuss your personal situation.