Independent coverage for Fort Worth families and business owners: same filed rates, better carrier matching.
Last reviewed August 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 Fort Worth, an advisor appointed with 30+ A-rated carriers rather than a captive agent tied to one company.
Fort Worth is the metroplex’s second city and a genuinely different market from Dallas: more owner-operated businesses, a large medical and energy workforce, and neighborhoods that range from historic Ryan Place and Westover Hills to the fast-growing far north. We work the whole city by phone and video.
Replace years of income and keep the household steady. How much do I need? →
Cover the balance so the family keeps the house. Mortgage protection →
Buy-sell funding, key-person cover and SBA loan assignments - common in a city this owner-operated.
Access the death benefit during a serious illness. Learn how →
Most conditions change your rate, not your eligibility. Health conditions guide →
Smaller whole life policies for end-of-life costs. Final expense guide →
Fort Worth housing costs less than the north Dallas suburbs, which changes the numbers but not the structure. The core question is the same: if one income disappears, can the household keep the house and keep going?
On mortgage protection products: the declining-benefit version pays the lender. Level term at the same face amount usually costs less and pays your family - the full comparison.
Fort Worth proper, including TCU/Bluebonnet Hills, Ryan Place, Westover Hills, Arlington Heights, Tanglewood, Rivercrest, the Cultural District, Near Southside and the far north corridor around Alliance - plus Arlington, Keller, Colleyville, Grapevine, Southlake, Trophy Club, Mansfield, Burleson and Weatherford.
Yes. We work across Fort Worth and Tarrant County, including Arlington, Keller, Colleyville, Grapevine, Southlake, Mansfield and Burleson. Our office is in Dallas, and most Fort Worth clients meet by phone or video, which works identically for application and underwriting.
No. Life insurance rates are filed with state regulators at the state level, so your address within Texas does not change your premium the way it can for auto or homeowners insurance. Age, health, tobacco use, coverage amount and carrier selection drive the cost.
Usually three things: a buy-sell agreement funded with life insurance so partners can buy out a deceased owner's share, key-person coverage on whoever drives the revenue, and a collateral assignment if a lender has required life insurance for a business or SBA loan. Personal family coverage sits alongside all of it.
By phone or video. Nothing about the process requires meeting face to face: applications, exams where needed, and policy delivery all work remotely, and Tarrant County families get exactly the same service as anyone else. Our office is at 6060 N Central Expy Ste 500, Dallas, TX 75206.
No. I hold appointments with more than 30 A-rated carriers, which is what separates an independent broker from a captive agent. A captive agent has one company's products and one company's underwriting guidelines. That works fine until your file does not fit them. Fort Worth business owners in particular tend to have files that do not fit a single company's box.
No. I hold appointments with more than 30 A-rated carriers, which is what separates an independent broker from a captive agent. A captive agent has one company's products and one company's underwriting guidelines. That works fine until your file does not fit them. Fort Worth business owners in particular tend to have files that do not fit a single company's box.
Life insurance premiums are filed with the Texas Department of Insurance and do not vary by neighborhood within Texas — your address does not change your rate the way it can for auto or homeowners coverage. Producer licensing is administered by TDI and verifiable through the NIPR database (Dev Gaymes, NPN 16654074).
General education, not advice about your situation, and not an offer of insurance or a quote. Underwriting guidelines vary by carrier, product and state and change over time; nothing here describes any particular insurer’s current guidelines. All coverage is subject to carrier underwriting approval, and policy terms, benefits, exclusions and limitations are governed solely by the issued policy contract. Always answer every application question completely and truthfully.
Independent advice for Tarrant County families, by phone or video.
Prefer to talk now? Call 214-989-7704