DG Life Group

DG Life Group We are focused on providing the best Life Insurance customer experience!

We provide planning for living benefits, final expense, income protection, mortgage protection, legacy planning, and estate planning

Next week kicks off Life Insurance Awareness Month. 🗓️It's a national campaign that's run every September since 2004, an...
08/28/2026

Next week kicks off Life Insurance Awareness Month. 🗓️

It's a national campaign that's run every September since 2004, and I'll be honest about why it exists: roughly half of American adults have no life insurance at all, and a large share of those who do have it don't have enough.

So here's what I'm doing this September, and there's no catch to it.

A free 15-minute policy review. For anyone. Including people who aren't my clients and have no intention of becoming one.

Bring whatever you have — a workplace policy, something you bought a decade ago, a folder you've never opened. I'll tell you what it actually covers, whether the beneficiary designation still makes sense, and whether the amount still fits your life.

If it's all in good shape, I'll say so and you'll be done in ten minutes. That's a genuinely common outcome and a completely fine one.

Comment or message me and we'll find a time.

"I've been putting it off because I don't want to do the medical exam."Fair. Also, increasingly, unnecessary.A lot of he...
08/26/2026

"I've been putting it off because I don't want to do the medical exam."

Fair. Also, increasingly, unnecessary.

A lot of healthy applicants now qualify through accelerated underwriting — no blood draw, no urine sample, nobody coming to your house. Carriers verify electronically through prescription history and medical databases instead. Approval can take anywhere from a few minutes to a few days.

Coverage available this way commonly runs into the $1–3 million range, depending on carrier and age.

One honest caveat: if you have meaningful health history, the full exam often works better for you, not worse. Labs and physician records give the carrier evidence to justify a better rate class. Without them, the algorithm tends to default conservative.

So it depends. But if "I don't want the exam" is the thing that's stopped you — that may not be a real obstacle anymore.

If you want to see numbers before talking to anybody: there's a rate tool on my site that shows real quotes from multiple carriers with no email or phone number required. You only hand over contact details if you choose to apply. Link's in the comments.

For the business owners here — one that catches people at the worst possible moment.If you're applying for an SBA or bus...
08/25/2026

For the business owners here — one that catches people at the worst possible moment.

If you're applying for an SBA or business loan, there's a good chance the lender will require life insurance as a condition of closing. Very common, especially for 7(a) loans where the business depends on one owner.

Two things worth knowing before it lands on your closing checklist:

1. Start early. Underwriting takes weeks, and the carrier also has to acknowledge the assignment in writing. I've seen this hold up closings that were otherwise ready.

2. The structure matters enormously. The lender should be a collateral assignee — meaning they're paid only the outstanding balance, and your family receives the rest. Occasionally a lender asks to be named beneficiary instead. On a $1M policy securing a $250k loan, that difference is $750,000 that should have gone to your family.

If a lender has handed you that requirement, send it over. I'll tell you whether a policy you already own can be assigned — which is often faster and cheaper than buying a new one.

Something I hear almost every week:"I looked into it, but I have diabetes / high blood pressure / sleep apnea — so I fig...
08/20/2026

Something I hear almost every week:

"I looked into it, but I have diabetes / high blood pressure / sleep apnea — so I figured I wouldn't qualify."

Most of the time, that's not true.

A health condition usually changes your rate. It doesn't usually change whether you can be covered at all. Controlled Type 2 diabetes, medicated blood pressure, CPAP-compliant sleep apnea, a cancer in remission a few years, managed anxiety — all covered regularly.

Here's what most people don't know: every carrier underwrites conditions differently, based on its own claims experience. The same person can be declined by one company and approved at standard rates by another. Same health, same paperwork, completely different answer.

That's the whole reason independent brokers exist. I'm not tied to one company, so the job is finding which one looks at your situation most favorably.

And since rates are filed with state regulators, the price is the same whether you go direct or through an advisor. It costs nothing to have someone shop it.

If you counted yourself out years ago, it may be worth a second look.

"How much life insurance do I actually need?"Most people are told 10–15× their income and left there. Here's the version...
08/18/2026

"How much life insurance do I actually need?"

Most people are told 10–15× their income and left there. Here's the version that actually gives you a number — it's called DIME:

D — Debt. Everything except the mortgage. I — Income. Annual income × the years your family would need it. M — Mortgage. The remaining balance. E — Education. What you'd want to cover for the kids.

Add those four. Subtract what you already have — including any workplace coverage. What's left is your gap.

For a parent earning $100k with a $300k mortgage and two young kids, that math often lands somewhere between $1.5M and $2M. Usually a lot more than people expect, and usually a lot less expensive than they expect too.

Run it this week. Even a rough number beats no number.

Curious about something, and there's no wrong answer.When you think about life insurance, what's the first thing that co...
08/14/2026

Curious about something, and there's no wrong answer.

When you think about life insurance, what's the first thing that comes to mind?

"I know I should deal with that" "I have some through work, I think?" "Handled it, feel good about it" "Honestly no idea where to start"

Drop an emoji. Genuinely just curious where people are — and if the answer is #4, you're in the majority by a wide margin.

Happy Friday.

If your life insurance came with your job and you haven't thought about it since orientation, this one's for you.Two thi...
08/13/2026

If your life insurance came with your job and you haven't thought about it since orientation, this one's for you.

Two things most people don't realize about workplace coverage:

1. It's usually 1–2× your salary. For a family with a mortgage and kids, common guidance is closer to 10–15× your income. Group coverage is a genuinely good benefit — it's just rarely a complete plan.

2. It usually ends when the job does. Laid off, changed careers, retired — the coverage typically doesn't come with you. And you'd be replacing it at an older age, possibly with health changes that weren't there before.

That second one is the real risk. Your insurability is the asset, and tying it to your employer means it isn't fully yours.

The fix is usually simple: keep the free workplace benefit, add an individually owned policy alongside it. You own that one. It follows you anywhere.

💡 8 Money Rules Every Kid Should Learn EarlyFinancial habits start young. The earlier kids understand how money works, t...
03/11/2026

💡 8 Money Rules Every Kid Should Learn Early

Financial habits start young. The earlier kids understand how money works, the more confident and responsible they’ll be with it later in life.

Here are a few simple principles that can make a huge difference:

✔ Pay yourself first (save before spending)
✔ Know the difference between wants vs. needs
✔ Let compound interest work in your favor
✔ Avoid bad debt
✔ Track every dollar
✔ Build multiple income skills
✔ Understand how marketing influences spending
✔ Practice generosity and giving

Teaching kids these lessons early can help them build strong financial habits that last a lifetime.

Address

6060 N Central Expressway Ste 500
Dallas, TX
75206

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 2pm

Telephone

+12149897704

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