LIFE INSURANCE FOR FIRST-TIME BUYERS
Know How Much Life Insurance Your Family Actually Needs.
Life insurance doesn't have to be confusing. Get a personalized review based on your income, dependents, debts, existing coverage, and financial goals—so you can better understand your options before making a decision.
No insurance expertise required.
Denney Pugmire
Life Insurance Advisor
Utah-Licensed CPA • Master's Degree in Accounting • U.S. Army Captain Veteran
NPN: 6236605
Financial Experience Behind Your Insurance Conversation
NPN: 6236605
Master's Degree in Accounting
Utah-Licensed CPA
U.S. Army Captain Veteran
Licensed in 19 States
Financial Experience Behind Your Insurance Conversation
NPN: 6236605
Most First-Time Buyers Don't Know Where to Start.
How much coverage do you need?
Is term or permanent insurance appropriate?
How should your income, mortgage, debts, dependents, and long-term goals affect your coverage?
You don't need to become an insurance expert before having the conversation.
Don't Start With a Policy. Start With Your Needs.
A generic rule of thumb may be a starting point, but every household has different financial responsibilities.
Your coverage discussion can consider:
• Income and income replacement
• Dependents and family responsibilities
• Mortgage and other debts
• Existing life insurance coverage
• Long-term financial goals
The goal is to help you understand the factors that affect your coverage needs before discussing policy options.
Household Income
How many years of earning replacement your family depends on.
Dependents & Care
Children's ages, schooling horizons, and childcare continuity.
Mortgage & Debts
Home loan balance, vehicle notes, and outstanding obligations.
Long-Term Goals
College funding, surviving spouse retirement security, or legacy gifts.
Existing Coverage
Employer group plans, personal policies, and portability restrictions.
What We'll Look At During Your Review
INCOME
How much income might your household need to replace?
DEPENDENTS
Who relies on your income today, and for how long?
DEBTS & OBLIGATIONS
How might a mortgage and other obligations affect your coverage needs?
FINANCIAL GOALS
What longer-term goals should be considered?
WHAT THE VISITOR GETS
What You Get From a Personalized Insurance Review
✓ A clearer picture of the factors affecting your coverage needs
✓ An opportunity to discuss your current coverage
✓ An explanation of relevant life insurance concepts and policy types
✓ Help understanding the questions to consider when comparing options
✓ Clear next steps based on your conversation
HOW THE PROCESS WORKS
A Clearer Way To Approach Life Insurance
The goal is education and clarity first. You decide what you want to do next.
STEP 01
Understand Your Situation
STEP 02
Identify Your Coverage Needs
STEP 03
Discuss Relevant Options
STEP 04
Answer Your Questions
STEP 05
Decide on Your Next Step
Term or Permanent Life Insurance?
Different types of life insurance serve different purposes. The right questions depend on your circumstances.
TERM LIFE INSURANCE
- Coverage for a specified period
- Often considered when income protection is a primary concern
- Policy features and terms vary
PERMANENT LIFE INSURANCE
- Designed for longer-duration coverage, subject to policy terms
- Some policies include cash-value features
- Costs, guarantees, and policy mechanics vary
The right question isn't "Which type is best?"
It's:
"Which policy features and trade-offs are relevant to my situation?"
Meet Denney Pugmire
Denney Pugmire is a life insurance advisor with a Master's Degree in Accounting, a Utah CPA license, and experience as a U.S. Army Captain.
His background brings a financial perspective to conversations about life insurance and helps clients work through the questions that can make buying coverage feel complicated.
- Master's Degree in Accounting
- Utah-Licensed CPA
- U.S. Army Captain Veteran
- NPN: 6236605
- Licensed in 19 States
Phone: 801-390-0887
FIRST-TIME BUYER QUESTIONS
First-Time Buyer Questions
Start with the questions most beginners ask—then use your review to apply the answers to your own situation.
See what happens next after you submit your request.
How much life insurance do I need?
There isn't one universal amount that applies to every household. Factors such as income, dependents, debts, existing coverage, and financial goals can all affect the discussion.
What's the difference between term and permanent life insurance?
Term coverage provides protection for a specified period, while permanent insurance is designed for longer-duration coverage and may include cash-value features. Policy terms, costs, and features vary.
Do I need life insurance if I already have coverage through work?
Employer-provided coverage may be an important part of your overall protection, but whether additional coverage is appropriate depends on your circumstances and the terms of your existing benefit.
What should I prepare for the review?
You don't need to be an insurance expert. We'll discuss your situation and the information relevant to your coverage questions.
What happens after I request a review?
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Am I required to purchase a policy?
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How does Denney get compensated?
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GET MY FREE INSURANCE REVIEW
Stop Guessing. Start With a Clearer Picture.
You don't need to become an insurance expert before having the conversation.
Start with a personalized review of your situation and get a clearer understanding of the questions, factors, and options relevant to your life insurance needs.
Licensed in 19 States
NPN: 6236605
Denney Pugmire — Life Insurance Advisor
Regulatory Disclosure & Underwriting Disclaimer: Insurance availability, eligibility, rates, coverage, and policy terms depend on individual circumstances and underwriting. Information presented across this website is for educational purposes only and does not constitute formal legal, tax, or financial advisory binding agreements. Policy approval, cash value projections, and premium commitments are subject to carrier underwriting approval and policy terms.
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