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.
Life 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 really depends on your debts, dependents, and goals. We'll figure that out together in a free consultation - no guessing required.
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 - not just the quickest one.
An Indexed Universal Life policy ties your cash value growth to a market index (like the S&P 500) while protecting you from losses. It's a solid tool for people who want permanent coverage and a wealth-building component.
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 isn't 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.
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 you're diagnosed with a critical, chronic, or terminal illness. It's one of the most underused and underexplained features in life insurance.
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 Lampasas, Texas, and licensed in TX, AZ, CA, FL, IA, KS, MD, MI, NC, OK, OR, PA, and TN, Danae shops 30+ carriers as your broker - making sure you get the right policy, not just any policy.
Life 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.”
No pressure, no jargon, no commitment required. Just a straight conversation about what you need and what makes sense for your family.