Independent life insurance, living benefits, business-succession, and estate-liquidity planning for Frisco households - from a Dallas-based broker who works across the northern DFW corridor.
Last reviewed July 2026 by Dev Gaymes, Licensed Insurance Advisor · Editorial policy
Dev Gaymes is a licensed life insurance agent and independent broker serving Frisco - an advisor appointed with 30+ A-rated carriers rather than a captive agent tied to one company.
Frisco is one of the fastest-growing and most affluent cities in Texas - a northern DFW hub of corporate relocations, business owners, and young high-earning families, spanning both Collin and Denton counties. Home to The Star (the Dallas Cowboys world headquarters), the PGA of America, and a wave of corporate campuses, Frisco attracts households whose planning needs move quickly: protecting a growing income, funding a business, accumulating tax-efficiently, and building toward estate liquidity as net worth climbs. DG Life Group works with Frisco families across 75033, 75034, 75035, and 75036 as a fully independent broker with access to 30+ A-rated carriers.
Frisco is a mortgage market. Households buy into 75033, 75034, 75035 and 75036 for schools and space, and they buy recently - which means large balances, long remaining terms, and two incomes that both matter.
On mortgage protection products: the version marketed by lenders has a declining benefit and pays the bank. Level term at the same face amount typically costs less, keeps its full value for the whole term, and pays your beneficiary - the full comparison.
A fast-rising income and a growing business change what life insurance is for. Here's where Frisco families most often use it:
Right-sized coverage for young families with a mortgage, children, and a rising dual income. How much do I need? →
Buy-sell funding and key-person coverage for Frisco's many owners and partners. Advanced markets →
Tax-advantaged accumulation with market-linked upside and downside protection. See our IUL guide →
Access the death benefit during a chronic or critical illness. Learn how →
As net worth grows, permanent and survivorship coverage transfers wealth efficiently to the next generation.
Protect the family balance sheet from future care costs. Advance planning →
Yes - we serve 75033, 75034, 75035, and 75036 on life insurance, IUL, living benefits, business succession, and long-term care planning, by phone or video.
Absolutely. Frisco is a hub for corporate relocations and owners. We structure buy-sell funding, key-person coverage, and personal protection that keeps pace with equity comp and a rising net worth.
Income-replacement coverage for the mortgage and kids, IUL for tax-advantaged growth, living-benefit riders for illness protection, and estate-liquidity planning layered in as wealth grows.
Fully independent, with access to 30+ A-rated carriers. So the advice tracks your circumstances rather than one carrier's line-up.
Independent planning for Collin & Denton County families - by phone or video.
Prefer to talk now? Call 214-989-7704
Common strategies include income-replacement term or permanent coverage for young growing families, indexed universal life (IUL) for tax-advantaged accumulation, buy-sell and key-person coverage for business owners and executives, living-benefit riders that access the death benefit during a chronic or critical illness, and estate-liquidity planning as wealth grows.
Both terms get used loosely, and the distinction matters. A captive agent represents one insurance company and can only offer that company's products. An independent broker is appointed with many carriers and compares across them. Dev Gaymes is a licensed life insurance agent and independent broker serving Frisco, appointed with more than 30 A-rated carriers, which means the recommendation follows your situation rather than one company's product shelf. Because rates are filed with state regulators, your premium is the same either way - what changes is how many carriers can be considered.
DG Life Group is fully independent, with access to 30+ A-rated carriers, so the recommendation is built around your family's goals rather than a single company's product shelf.