Denney Pugmire, Life Insurance Advisor

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Denney Pugmire, Life Insurance Advisor Life Insurance Advisor, Master's Degree in Accounting helping individuals and families protect what matters most. Licensed in 19 states.
📞 801-390-0887

❌ “Annuities are just for people who don’t understand investing.”That is a myth worth slowing down for.An annuity is an ...
10/16/2026

❌ “Annuities are just for people who don’t understand investing.”

That is a myth worth slowing down for.

An annuity is an insurance contract. Different annuities are designed for different purposes, and the details can vary significantly from one contract to another.

Consumers should understand:

🔍 What the contract guarantees
💵 How income is calculated
🔒 What liquidity provisions apply
💰 What fees or charges apply
👨‍👩‍👧 What happens to remaining value for beneficiaries

The question is not simply, “Are annuities good or bad?”

The more useful question is:

“What problem is this contract designed to solve, and does it fit my situation?”

Education should come before a purchase decision.
https://denpuglifecoverage.com/insuranceeducationhub-782482
📘 Download the Free Annuities Guide to learn the basics.
https://denpuglifecoverage.com/annuitieseducationcenter

🔍 “I already have life insurance… but is it still enough?”That’s a question every homeowner should consider after a majo...
10/14/2026

🔍 “I already have life insurance… but is it still enough?”

That’s a question every homeowner should consider after a major financial change.

Maybe you bought a new home.

Maybe you got married.

Maybe you had children.

Maybe you refinanced your mortgage.

Or maybe your income and expenses look very different than they did when you bought your policy.

Your life changed.

Your financial obligations changed.

So it makes sense to review your protection too.

Take a look at:

📄 Your current policy amount
🏠 Your remaining mortgage balance
💰 Household income
💳 Other major debts
👨‍👩‍👧 People who depend on you
🏦 Savings and other available resources

You may find that your existing life insurance still fits your situation.

Or you may realize it is time to learn more about your options.

The important part is not guessing.

It is understanding what you already have.

📘 Download the FREE Mortgage Protection Guide and use the checklist to review your current mortgage protection and life insurance situation.
https://denpuglifecoverage.com/insuranceeducationhub-782482
Learn first. Decide later.
https://denpuglifecoverage.com/mortgageprotectioninsurance

"🏦 “I'll just save the money myself.”For some households, that may be part of the plan.But the important question is whe...
10/14/2026

"🏦 “I'll just save the money myself.”

For some households, that may be part of the plan.

But the important question is whether the savings target matches the potential expense—and whether the money would actually be available when needed.

Imagine setting aside a fixed amount every month while funeral costs, other household expenses, and unexpected bills continue to change.

That is why a final-expense review can compare:

🏦 Personal savings
📄 Existing life insurance
🛡️ Potential final-expense coverage
💳 Debt or other obligations
⚰️ Expected funeral or memorial costs

The right approach depends on the household.

The key is to know the gap.

You don't want a plan that looks good on paper but leaves your family short when the bill arrives.

📘 Download the FREE Final Expense Insurance & Burial & Funeral Coverage Guide and use the checklist to review your current plan."
https://denpuglifecoverage.com/insuranceeducationhub-782482
https://denpuglifecoverage.com/finalexpenseinsurance-686056

"💵 “Would $255 cover your family's final expenses?”For eligible survivors, Social Security's federal lump-sum death paym...
10/13/2026

"💵 “Would $255 cover your family's final expenses?”

For eligible survivors, Social Security's federal lump-sum death payment is currently $255.

That is a very different amount from the potential cost of a funeral, burial, or cremation.

This is why it can be useful to understand what resources your family would actually have available.

Ask:

📄 Is there existing life insurance?
🏦 How much is set aside in savings?
⚰️ What type of final arrangement is planned?
💰 Are there other assets or resources?
👨‍👩‍👧 Who would be responsible for paying immediate expenses?

No single answer works for every household.

The first step is knowing what you already have—and what gap, if any, remains.

📘 Download the FREE Final Expense Insurance & Burial & Funeral Coverage Guide to organize your planning questions.
https://denpuglifecoverage.com/insuranceeducationhub-782482
A plan starts with understanding the numbers."
https://denpuglifecoverage.com/finalexpenseinsurance-686056

"💉 “I take insulin, so life insurance is probably off the table.”""""""Don’t make that assumption.Insulin use is an impo...
10/13/2026

"💉 “I take insulin, so life insurance is probably off the table.”

""""""Don’t make that assumption.

Insulin use is an important part of your health history—but it’s not the only information that may matter when exploring life insurance for people with diabetes.

An insurer may consider multiple factors surrounding your diabetes management and overall health.

That can include:

💉 Insulin or other medications
🧪 Blood-sugar control
📅 How long you’ve had diabetes
🩺 Treatment history
❤️ Other health conditions
📋 Medical history

The mistake many consumers make is turning one factor into an automatic conclusion.

“I take insulin” becomes:

“I can’t get life insurance.”

Those aren’t necessarily the same thing.

The better approach is to understand the full picture before deciding that life insurance isn’t an option.

📘 Download our FREE Diabetes Life Insurance Guide to learn what people with diabetes should know before applying.
https://denpuglifecoverage.com/insuranceeducationhub-782482
👉 Get informed before making assumptions.""""
https://diabeteslifecoverage.com/life-insurance-review

"""

"🔎 “Term life or permanent life? Here’s the difference in plain English.”If you are buying life insurance for the first ...
10/11/2026

"🔎 “Term life or permanent life? Here’s the difference in plain English.”

If you are buying life insurance for the first time, the terminology can make the decision feel harder than it needs to be.

At a basic level:

🕒 Term life insurance is designed to provide coverage for a specified period.

🏦 Permanent life insurance is designed to provide coverage that can continue longer and may include cash-value features, depending on the policy.

Neither label automatically makes a policy right for everyone.

The real comparison is about your goals, budget, coverage needs, time horizon, guarantees, and policy terms.

Start by understanding the differences before comparing prices.
https://denpuglifecoverage.com/firsttimelifeinsuranceguide-900860

📘 Download the FREE First-Time Life Insurance Guide for a plain-English overview.
https://denpuglifecoverage.com/insuranceeducationhub-782482
"

🏥 “Healthcare can change the retirement plan you spent decades building.”Many people plan carefully for housing, travel ...
10/11/2026

🏥 “Healthcare can change the retirement plan you spent decades building.”

Many people plan carefully for housing, travel and everyday expenses.

Healthcare deserves the same attention.

Medical expenses, prescriptions, long-term care and caregiving can create costs that are difficult to predict—and they can continue for years.

A retirement plan should therefore ask more than:

“How much can I spend each month?”

It should also ask:

🏥 How much should I reserve for healthcare?
💊 What expenses may not be covered?
👨‍👩‍👧 Could caregiving affect the household?
⏳ What happens if costs continue longer than expected?

No single financial product eliminates these risks.

But understanding the risks can help you ask better questions when evaluating retirement-income strategies.

📘 Download the Free Annuities Guide for an educational overview of annuities and retirement-income planning.
https://denpuglifecoverage.com/insuranceeducationhub-782482
https://denpuglifecoverage.com/annuitieseducationcenter

"🛡️ “I already have life insurance. Why would I need another policy?”Your current policy may still be doing exactly what...
10/08/2026

"🛡️ “I already have life insurance. Why would I need another policy?”

Your current policy may still be doing exactly what you bought it to do.

But your life may have changed.

Maybe you bought a home.
Maybe your income increased.
Maybe you have children now.
Maybe your employer coverage changed.
Maybe your financial responsibilities are larger than they were when you first applied.

The question isn't automatically, “Do I need another policy?”

The better question is:

**Does my total life insurance coverage still match my current responsibilities?**

Sometimes keeping an existing policy and adding coverage can be considered.

Sometimes increasing existing coverage may be worth reviewing.

And sometimes no additional coverage is needed.

Start with what you already own.
https://denpuglifecoverage.com/multiplelifeinsurancepolicies-490670
📘 Download the FREE Multiple Life Insurance Policies Guide to understand the key questions to review before adding coverage.
https://denpuglifecoverage.com/insuranceeducationhub-782482

"

🏠 “What happens to my mortgage if I die before it’s paid off?”The mortgage doesn’t simply disappear.The home and the rem...
10/07/2026

🏠 “What happens to my mortgage if I die before it’s paid off?”

The mortgage doesn’t simply disappear.

The home and the remaining financial obligations still have to be handled.

And that can create a lot of pressure for a surviving spouse or family—especially if the household depended on the homeowner’s income to make the monthly payment.

That’s why mortgage protection is worth understanding before you need it.

Start with a few practical questions:

💵 How much is left on the mortgage?
📅 How many years are remaining?
🏦 What other debts does the household have?
💰 How much savings are available?
🛡️ Is there already life insurance coverage?
👨‍👩‍👧 Who depends on your income?

You may discover that your family already has resources in place.

Or you may discover there are gaps you hadn’t thought about.

Either way, knowing the numbers is better than guessing.

📘 Download the FREE Mortgage Protection Guide to learn what homeowners should review when thinking about mortgage and life insurance protection.
https://denpuglifecoverage.com/insuranceeducationhub-782482
Learn first. Decide later.
https://denpuglifecoverage.com/mortgageprotectioninsurance

"❓ “I have Medicare, so won't that help with my funeral expenses?”It is an important question.Medicare is health coverag...
10/07/2026

"❓ “I have Medicare, so won't that help with my funeral expenses?”

It is an important question.

Medicare is health coverage. It is not the same thing as a plan for paying funeral and burial expenses.

That distinction matters.

A healthcare plan and a final-expense plan solve different financial problems.

So when you are reviewing your family plan, separate these questions:

🏥 Who helps with medical expenses?
⚰️ Who would pay funeral and burial or cremation expenses?
🏦 What savings are available?
📄 What life insurance is already in place?
👨‍👩‍👧 How quickly could the family access funds?

You may already have some resources in place.

The important part is knowing what each resource is actually designed to cover.

📘 Download the FREE Final Expense Insurance & Burial & Funeral Coverage Guide and use it as a starting point for reviewing your options.

Understanding your coverage is part of planning."

Address

535 S 200 E, Apt 816
Salt Lake City, UT
84111

Telephone

+18013900887

Website

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