Life Insurance in the DFW Metroplex

Last reviewed July 2026 by Dev Gaymes, Texas-licensed life insurance agent, NPN 16654074 · Editorial policy

Dev Gaymes is a licensed life insurance agent and independent broker serving the DFW metroplex, an advisor appointed with 30+ A-rated carriers rather than a captive agent tied to one company.

The Dallas–Fort Worth metroplex spans four counties and more than 7 million people. The planning needs shift noticeably as you move across it. We work the whole footprint by phone and video.

Where we work across the metroplex

Dallas →

Every neighborhood · Dallas County

Frisco →

Collin & Denton · 75033–75036

Southlake →

Tarrant & Denton · 76092

Park Cities →

Highland Park & University Park

Preston Hollow →

North Dallas

All areas →

Full coverage map · 19 states

We also serve Plano, McKinney, Prosper, Allen, Richardson, Garland, Irving, Arlington, Fort Worth, Flower Mound, Colleyville, Grapevine, Keller, Trophy Club and Little Elm - plus the surrounding communities in Dallas, Tarrant, Collin and Denton counties.

Relying on coverage through work? Group plans typically cap at 1-2x salary and end when the job does. Is employer coverage enough?

Why the metroplex plans differently by area

North corridor (Frisco, Plano, McKinney, Prosper)

Fast-growing, corporate relocations, business owners. Income protection, buy-sell funding and tax-advantaged accumulation come up most.

Mid-Cities (Southlake, Colleyville, Grapevine, Keller)

Established and affluent. Estate liquidity, survivorship and long-term care planning dominate.

Dallas proper

Enormously varied: first mortgages in East Dallas, estate planning in Preston Hollow and the Park Cities.

Fort Worth & west

Family protection, mortgage protection and final expense are the common starting points.

Business owners metro-wide

Buy-sell agreements, key-person coverage and SBA loan collateral assignment.

Anyone with health history

Carrier selection matters most here. Health conditions guide →

One advisor, 30+ carriers, the whole metroplex

Rates are filed with state regulators, so your premium is identical whether you buy direct or through an advisor. Anywhere in DFW. What changes is which carrier underwrites your file. For anyone with any health history, that difference is worth far more than convenience.

Want numbers before a conversation? Our instant term quote tool shows real rates from multiple carriers, no email or phone number required to see them.

Start With Term and Mortgage Coverage

Whatever county you are in, the most common need is the same: replace the income and cover the mortgage for as long as anyone depends on them. The amount changes by market; the structure does not.

A $700,000 mortgage in Southlake and a paid-off home in Garland produce very different numbers from the same formula.
Level term is the efficient tool for both. Cheapest per dollar of death benefit, and the need is temporary by nature.
Match the term length to the mortgage, not to a round number. A 30-year loan needs coverage that outlasts it.

One filed rate, different amounts. Rates are filed with state regulators, so a Frisco family and a Fort Worth family with identical age and health pay identical premiums. What differs is how much coverage makes sense. work out the number first.

On mortgage protection: the declining-benefit product sold by lenders is usually worse value than level term at the same amount - the full comparison.

Moved here on a work visa? The metroplex draws a lot of international talent, and most of it is insurable. Life insurance for foreign nationals explains which carriers accept which visa types.

What Relocating Households Miss

The DFW metroplex has been absorbing corporate relocations for two decades, and it shows in the planning. A large share of the households we work with did not grow up here, which creates a specific set of issues a lifelong-resident advisor might not think to raise.

Coverage tied to a former employer. Group life from a previous job almost never follows you. People arrive assuming they are covered and discover otherwise at the worst time.
Policies written in a former state. An individually owned policy follows you anywhere - moving does not change your premium, coverage or beneficiaries. Worth confirming rather than assuming, and worth updating the address so notices reach you.
A period of no coverage during the move. Between leaving one employer and qualifying under another, there is frequently a gap nobody plans for.
Texas has no state income tax. More take-home at the same gross, which changes both what a family would need to replace and how much premium is comfortable.

The relocation window is a good time to buy, not a reason to wait. People often defer coverage until they are settled. But you are generally younger and healthier now than you will be after the move, the job change, and the new mortgage. The rate is locked at issue. Buying before the dust settles is usually cheaper than buying after.

Four Counties, One Filed Rate

Dallas, Tarrant, Collin and Denton counties differ enormously in housing cost, industry mix and household profile. They do not differ in life insurance pricing.

Rates are filed with state regulators at the state level, so a Frisco family and a Fort Worth family with identical age and health pay identical premiums. What varies is the amount that makes sense, a $700,000 mortgage in Southlake produces a different number from a paid-off home in Garland, and which carrier underwrites the file best.

If You Are New Here

Two things worth doing in your first year, neither of which requires buying anything:

Confirm what your new employer actually provides, including whether it is portable and what happens if you leave. Group coverage rarely covers a full need.
Review any policy you brought with you. Amounts sized for a previous cost of living may be wrong for a DFW mortgage, and beneficiary designations often predate a move, a marriage or a child.

Not a U.S. citizen? The metroplex draws significant international talent, and most of it is insurable. Green card holders generally qualify like anyone else, and most employer-sponsored visa categories have options.

DFW Metroplex - FAQ

What areas of DFW do you serve?

The entire metroplex - Dallas, Fort Worth, Plano, Frisco, McKinney, Prosper, Allen, Southlake, Colleyville, Grapevine, Keller, Irving, Arlington, Garland, Richardson, Flower Mound and the surrounding communities across Dallas, Tarrant, Collin and Denton counties.

How do consultations work across DFW?

By phone or video, wherever you are in the metroplex. That works identically to meeting face to face for application, underwriting and delivery purposes, and it means a Fort Worth or McKinney family gets exactly the same service as one in Dallas without anyone driving across the metroplex.

Does life insurance cost more in one part of DFW than another?

No. Life insurance rates are filed with state regulators at the state level, so your address within Texas does not change the premium the way it can for auto or homeowners insurance. Age, health, tobacco use, coverage amount and carrier selection are what drive cost.

I'm relocating to DFW for work. Can you still help?

Yes. We are licensed in 19 states including Texas and Florida, so in many cases we can begin before you arrive and keep the policy in place afterward. Coverage you own personally follows you regardless of where you live or work.

Do I need a local agent, or does it matter?

For pricing, it does not matter at all. Rates are filed with regulators, so the same policy costs the same whether you buy it in Dallas, Denton or online. Where it matters is on anything complicated. I am an independent broker rather than a captive agent, which means I can move a difficult file between carriers instead of taking the one answer a single company gives. On a straightforward case that is worth little. On a file with health history it is often worth thousands.

Life Insurance Across the DFW Metroplex