Most people either have too much expensive coverage or not enough protection. The DIME Method gives you a simple framework to calculate exactly what your family needs.
Total up what you owe: credit cards, car loans, student loans, personal loans. This gets paid off first.
Multiply your annual income by 7–10 years. This replaces your paycheck so your family maintains their lifestyle.
Your remaining mortgage balance. Your family stays in their home without worrying about payments.
Future college costs for your children. Current average: $25,000–$55,000 per year depending on school type.
per year for $500K coverage
(healthy 30-year-old)
per year for $500K coverage
(same person, same coverage)
That’s $3,600+ per year you could be investing in low-cost index funds instead of paying insurance company fees.
We’ll review your current policies, calculate your actual need using the DIME method, and show you exactly what you’re paying versus what you should be paying. No cost, no pressure.
Insurance rates vary based on age, health, coverage amount, and other factors. Examples shown are illustrative only. Your rates may differ.
Insurance is either completely ignored or massively oversold. Most Phoenix families fall into one of two categories: they have no life insurance at all (hoping nothing bad happens), or they got talked into an expensive whole life policy they don’t need because the agent made a huge commission. We see it across the entire Valley—from young families near San Tan Village in Gilbert to working professionals in the Maryvale neighborhood near Desert Sky Mall.
Here’s the truth: insurance exists to solve specific problems. If you have kids, a mortgage, or people depending on your income, you need life insurance. If you don’t, you probably don’t. If you need coverage, term insurance is almost always the right answer for most people in their 30s and 40s—cheap, straightforward protection without the complexity and cost of permanent insurance.
We help Phoenix families figure out what coverage they actually need and how to get it without overpaying or getting sold products that only benefit the person selling them. Whether you’re an engineer near the Intel campus in Chandler, a nurse at Chandler Regional Medical Center, or a growing family near Dana Park in Mesa, we review what you currently have (most people are underinsured or have expensive policies they don’t need), identify gaps, and show you how to fix them without the sales pressure.
We’re licensed to sell insurance, but we don’t push it. We only recommend coverage when it actually makes sense, and we’ll tell you when term insurance is the right choice—even though permanent policies pay way higher commissions. Because our goal is helping you protect your family, not maximizing our commission check.
Term life insurance is affordable protection for a specific period—usually 10, 20, or 30 years. For most Phoenix families in their 30s and 40s, term insurance is the best option. We help you figure out how much coverage you need and how to get it at the best price.
Family life insurance means making sure everyone who needs coverage has it—usually both spouses. We help Phoenix families figure out who needs coverage, how much, and what type based on income, childcare responsibilities, and financial obligations.
How much life insurance do you actually need? We run a real needs analysis based on your debts, income, lifestyle, and financial goals—so you know the actual number, not a generic sales pitch.
Not sure what you need or where to start? We review your situation, explain your options, and give you straight answers about what makes sense. No pressure to buy, no commissions pushing us toward expensive products.
Most kids don’t need life insurance, but there are a few reasons parents buy it. We’ll tell you honestly whether child life insurance makes sense for your family or if you’re better off investing that money elsewhere.
Joint life insurance covers two people under one policy. We help Phoenix couples figure out if joint coverage makes sense or if you’re better off with separate policies that give you more flexibility.
Cheap term insurance that expires, or expensive permanent insurance that builds cash value? We’ll show you the math on both and help you decide without the sales pressure.
