Life insurance made personal. As an independent broker, I work for you - not the insurance companies. I shop 30+ carriers to find coverage that actually fits your life and budget - no pressure, no jargon, just results.
Whether you need basic protection or a lifelong wealth-building strategy, I'll find the right coverage that fits your life and budget.
Straightforward, affordable coverage for a set period. Great for young families, mortgages, and income replacement.
Permanent coverage with guaranteed growth. Builds cash value over time that you can borrow against.
Flexible premiums and a death benefit you can adjust as your life changes. Built for the long haul.
Smaller policies designed to cover end-of-life costs, so your family is not left with the bill during a hard time.
Growth potential tied to a market index, with downside protection built in. Wealth-building meets protection.
I didn't read about surviving the worst-case scenario in a textbook. I lived it - and then I got to work helping others.
Danae De Guelle's path into insurance is not a sales story - it's a survival story. After battling diverticulitis, a surgical complication led to a life-threatening case of necrotizing MRSA that nearly killed her. She came back from it and dedicated herself to helping other people protect what matters most.
With 15+ years in operations, project management, and national sales, she brings a no-fluff, get-it-done approach to every client. Her faith, her directness, and a story most people can't imagine are the through-line in everything she does.
Based in Texas and licensed in AL, AZ, CA, CO, FL, GA, IA, KS, LA, MD, MI, NC, OK, OR, PA, TN, and TX, Danae shops 30+ carriers as your broker - making sure you get the right policy, not just any policy.
Fill in what applies to you. See how much your family would actually need — and how much of that gap your current coverage leaves open.
Fill in your numbers above to see your coverage gap.
Now that you know what you need — let's see what fits comfortably in your monthly budget.
Lay out your household income and bills below and we'll show you exactly how much room is left over each month — and a realistic premium range to work with.
Fill in your numbers above to see what fits your budget.
Discretionary income is your combined monthly income minus total bills. The 10–30% range is a general budgeting guideline — your actual premium depends on age, health, coverage amount, and carrier. Let's run real numbers together.
Book your free consultationLife insurance doesn't have to be complicated. Here are the questions I hear most often.
A common starting point is 10-12x your annual income, but it depends on your debts, dependents, and goals. We'll figure that out together in a free consultation.
Term is typically more affordable for straightforward protection. Whole life builds cash value over time. The right choice depends on your budget, timeline, and what you want the policy to do for you.
Some policies offer same-day or next-day approval. Others involve a short underwriting process. I'll find the fastest path that still gets you the right coverage.
An Indexed Universal Life policy ties your cash value growth to a market index while protecting you from losses. A solid tool for people who want permanent coverage and a wealth-building component.
Yes - policies like IULs let you access cash value tax-free for emergencies, retirement income, or investments. Many policies also include living benefits you can tap if diagnosed with a serious illness.
A living benefit lets you access part of your death benefit while you're still alive if diagnosed with a critical, chronic, or terminal illness. It's one of the most underused features in life insurance.
Yes - and that's exactly when you should get it. Premiums are lowest when you're young and healthy. Locking in now protects your family and saves you significantly over time.
A denial from one carrier is not the end of the road. I work with 30+ carriers, and many specialize in higher-risk applicants. There's a good chance we can still find you coverage.
No scripts, no actors. Just clients who got a better deal.
“Danae helped me start my kids legacy and create long term wealth with an IUL. I could not be more grateful.”
“Danae reviewed my policy and increased my coverage from $15K to $75K for $26 less per month than I was already paying.”
“Danae did a policy review and was able to get me the same coverage at half the price. That kind of savings adds up fast.”
“Danae reviewed my existing coverage and doubled my policy for half of what I was previously paying. Wish I had found her sooner.”
“When no other insurance company would write me because I could not qualify, Danae found a company that handles guaranteed life for much less than I was expecting.”
“Danae is the real deal - a true professional who made sure my family will be taken care of when the time comes. She treated us like people, not a transaction.”
“Danae helped me build a policy that does two things at once - protects my kids and builds real, long-term wealth they can grow up into. That kind of thinking is rare.”
“Danae went above and beyond to find the perfect policy for my family. She is warm, knowledgeable, and genuinely cares about the people she works with. An absolute gem.”
“Danae took the time to review all of our existing policies and found that we were paying over $600 per month across multiple policies. She was able to simplify everything into one policy, increase our coverage by approximately 25%, and cut our monthly premium nearly in half. What impressed us most was that she didn’t just try to sell us something. She took the time to understand our situation, explain our options, and make sure we were getting the most value for our money. We now have more coverage, less confusion, and significantly lower monthly costs. If you’re wondering whether you’re paying too much for life insurance, it’s absolutely worth having Danae review what you currently have. Highly recommend!”
“As a single parent, one of my goals has always been to help my children make smart financial decisions early in life. Danae took the time to meet with my 18-year-old twins and educate them about the importance of life insurance while they’re young and healthy. She explained everything in a way they could understand and helped them secure coverage now, when it’s most affordable and easiest to qualify for. More importantly, she treated them like adults and helped them understand the value of planning ahead instead of waiting until health issues arise later in life. I appreciated that there was no pressure, just education and guidance. It gave me peace of mind knowing they are taking responsibility for their future and protecting their insurability while they have the opportunity. I highly recommend Danae to anyone looking to help their children get a strong financial start in adulthood.”
No pressure, no jargon, no commitment required. Just a straight conversation about what you need and what makes sense for your family.