Term life insurance for dads

Protect your income while they growCoverage up to $1 million

Your kids count on your paycheck for the next 18+ years. I help dads find term coverage that lasts exactly that long, with an option to cover the kids too. Clear numbers, no pressure.

Find my coverage gap Book a call with Dennis

No medical exam optionsCoverage you ownKids can be added

Dennis Deheza, licensed life insurance agent

Your family's life insurance agent

Start here

Where are you as a dad?

Pick your stage. Your term length follows your youngest child, so coverage lasts until they're out on their own.

Coverage gap calculator

Is your work policy enough?

Most work life insurance pays 1–2 years of salary. Plug in your numbers to see what your family would actually need.

Your estimated gap

Coverage you haveGap to close

Income replacement (10x)

Mortgage

Other debts

College

What your family would need

Minus coverage you have

Get a price for this amount

This is an educational estimate using the 10x-income rule of thumb plus debts and college. Your real number depends on your situation, and your price depends on age, health and carrier.

Why dads come to me

The work policy gap

1–2 yrs

of salary is what most work policies pay

18+ yrs

is how long your kids count on your income

Your employer owns that policy. Change jobs or get laid off and it usually stays behind.
A term policy you own goes with you wherever you work.

Cover the kids too

Many term policies let you add a child rider: one small monthly add-on that covers all your kids.

On many carriers, your kids can later turn it into their own permanent policy without a medical exam.
That locks in their ability to get coverage, even if their health changes as adults.
Rider amounts and rules vary by carrier. I'll show you exactly what yours includes.

How it works

Simple from start to finish

Quick call

15 minutes. I ask about your family, income, and any coverage you already have through work.

Compare carriers

I shop multiple carriers and show you the coverage amount, term length and price side by side.

Apply and get covered

Many dads qualify without a medical exam. I walk you through the application and stay your agent after.

Common questions

What dads ask me most

Isn't my work life insurance enough?

For most families, no. Work policies usually pay 1–2 times your salary, and they belong to your employer. If your family needs your income for the next 15–20 years, a policy you own fills that gap and stays with you if you change jobs.

How much does term life cost?

Less than most people guess. Price depends on your age, health, tobacco use, coverage amount and term length. The fastest way to know is a quick quote, and the price is locked for the whole term once you're approved.

Why term instead of whole life?

Term covers the years your family depends on your paycheck, at the lowest cost per dollar of coverage. If you also want lifelong coverage or cash value, I'll explain those options honestly and you decide.

Do I need a medical exam?

Many applicants can get approved without one. Some carriers ask health questions online or by phone instead. Not everyone qualifies for no-exam coverage, and I'll tell you up front which route fits you.

I'm young and healthy. Can't I wait?

You can, but your price goes up with each birthday, and a change in your health can raise it more or limit your options. Locking in now means today's rate for the whole term.

Can my wife get covered too?

Yes. If she handles childcare or the household, replacing that would cost real money. Many families cover both parents, and I can quote both at once.

Get your price

Talk to Dennis

Call or text me and tell me your stage. I'll come back with real prices from multiple carriers, and you'll never get pressure from me.

Call or text(703) 508-6146

Emaildennisd.sfg@gmail.com

Book a 15-minute call Call Text