Denney Pugmire, Life Insurance Advisor

Denney Pugmire, Life Insurance Advisor Helping families secure their financial future with tailored life insurance solutions.

Is Final Expense Life Insurance Worth Considering?Final expense life insurance may be worth exploring if you're concerne...
09/01/2026

Is Final Expense Life Insurance Worth Considering?

Final expense life insurance may be worth exploring if you're concerned about leaving financial responsibilities behind for your family.

People often consider coverage when they:
• Don't have enough savings set aside for final expenses
• Want to help protect children or grandchildren from unexpected costs
• Have existing medical conditions and are exploring available coverage options
• Want a smaller, more affordable life insurance policy
• Simply want additional peace of mind

The amount of coverage you need depends on your personal situation, existing savings, debts, and the financial needs of your family.

The important thing is understanding your options before a crisis happens.

Planning ahead is one of the simplest ways to show your family you care.

📩 Have questions about life insurance? I'm here to help you explore your options.

Final Expense Life Insurance Is About More Than Paying for a FuneralMany people assume final expense insurance only cove...
09/01/2026

Final Expense Life Insurance Is About More Than Paying for a Funeral

Many people assume final expense insurance only covers funeral and burial costs.

But a life insurance death benefit can potentially provide your loved ones with financial flexibility during a difficult time.

Depending on their needs, the money could help with:
✔ Funeral expenses
✔ Medical bills
✔ Credit card balances
✔ Rent or mortgage payments
✔ Household bills
✔ Other immediate financial needs

Every family is different.

That's why planning should start with a simple question:

If something happened to me tomorrow, would my family have enough money to handle the expenses?

Final expense planning can be one way to help protect your loved ones from unexpected financial stress.

A small policy today could make a meaningful difference tomorrow.

📩 Have questions about life insurance? I'm here to help you explore your options.

How Much Could Final Expenses Cost Your Family?When people think about life insurance, they often focus on replacing inc...
09/01/2026

How Much Could Final Expenses Cost Your Family?

When people think about life insurance, they often focus on replacing income or paying off a mortgage.

But another important question is:

Who will pay for your final expenses?

Funeral and burial costs can be thousands of dollars. Additional expenses may include medical bills, outstanding debts, transportation, flowers, and other family expenses.

Without a plan in place, these costs may fall on:
• A spouse
• Adult children
• Other family members
• Savings or credit cards

A properly structured final expense life insurance policy may help provide funds when your family needs them most.

The purpose of planning isn't to focus on the worst day—it's to help make that day a little easier for the people you leave behind.

📩 Have questions about life insurance? I'm here to help you explore your options.

What Is Final Expense Life Insurance?Many families don't realize how quickly end-of-life expenses can add up. Funeral se...
09/01/2026

What Is Final Expense Life Insurance?

Many families don't realize how quickly end-of-life expenses can add up. Funeral services, burial or cremation, medical bills, and other unpaid expenses can create financial stress during an already difficult time.

Final expense life insurance is designed to provide a death benefit that your loved ones can use to help cover these costs.

Depending on the policy, the money may help with:
✔ Funeral and burial expenses
✔ Cremation costs
✔ Medical bills
✔ Outstanding debts
✔ Other household expenses

The goal isn't just to provide money—it's to help reduce the financial burden on the people you love.

Planning ahead can give your family one less thing to worry about during a difficult time.

📩 Have questions about life insurance? I'm here to help you explore your options.

📊 Why Do Life Insurance Companies Ask About Your A1C and Diabetes Complications?Your A1C may be an important part of the...
09/01/2026

📊 Why Do Life Insurance Companies Ask About Your A1C and Diabetes Complications?

Your A1C may be an important part of the medical information requested when applying for life insurance.

The A1C test provides an estimate of your average blood sugar levels over the previous few months.

Insurance companies may also ask about diabetes-related health concerns such as:
• Kidney problems
• Neuropathy or nerve damage
• Eye problems
• Cardiovascular conditions
• Foot problems
• High blood pressure

But remember: insurers generally look at multiple factors, not just one number or one health condition.

They may consider your diabetes type, treatment, medical history, complications, overall health, and lifestyle.

Having diabetes does not automatically mean you cannot qualify for life insurance. Every situation is different.

📩 If you have diabetes and would like help understanding your life insurance options, I'm happy to help.

💊 What Medications or Treatments Do You Use for Diabetes?This is another common question during a life insurance applica...
09/01/2026

💊 What Medications or Treatments Do You Use for Diabetes?

This is another common question during a life insurance application.

Insurance companies may ask whether you use:
✅ Insulin
✅ Oral diabetes medications
✅ Other prescription medications
✅ Blood glucose monitoring
✅ Dietary or lifestyle changes

They may also ask whether your medications have changed recently or whether you've experienced difficulty controlling your blood sugar.

Your treatment history helps provide additional information about how your diabetes is being managed.

Good diabetes management is only one part of the overall picture, but being prepared to accurately discuss your treatment can make the application process smoother.

📩 Questions about getting life insurance while living with diabetes? I'm here to help you understand the process.

🔍 One of the First Life Insurance Questions: What Type of Diabetes Do You Have?When applying for life insurance, an insu...
09/01/2026

🔍 One of the First Life Insurance Questions: What Type of Diabetes Do You Have?

When applying for life insurance, an insurer may ask whether you have:
• Type 1 diabetes
• Type 2 diabetes
• Gestational diabetes
• Another form of diabetes

They may also ask when you were diagnosed.

Why? The type of diabetes and your medical history can help provide a clearer picture of your treatment and overall health.
The important thing is to provide accurate information. If you have access to your medical records, it's better to verify your diagnosis date rather than guess.

📋 Preparing your information before applying can help make the life insurance process less confusing.

📩 If you're living with diabetes and want to better understand your life insurance options, feel free to contact me.

🩺 Applying for Life Insurance With Diabetes? Here's What You May Be Asked.Many people assume that having diabetes automa...
09/01/2026

🩺 Applying for Life Insurance With Diabetes? Here's What You May Be Asked.

Many people assume that having diabetes automatically means they can't get life insurance.

That's not necessarily true.

During the application process, insurance companies may ask about:
✅ The type of diabetes you have
✅ When you were diagnosed
✅ Your medications or insulin use
✅ Your recent A1C levels
✅ How you manage your diabetes
✅ Any diabetes-related complications
✅ Your overall health history

Being prepared with accurate information can make the application process easier and help you better understand what insurers are evaluating.

Every person's situation is different, and underwriting guidelines can vary between insurance companies.

📩 Have questions about life insurance with diabetes? I'm here to help you explore your options.

Retirement Changes One Important Thing: Your Paycheck StopsDuring your working years, you usually know when your next pa...
08/31/2026

Retirement Changes One Important Thing: Your Paycheck Stops

During your working years, you usually know when your next paycheck is coming.

But retirement can be different.

Instead of receiving a paycheck, you may need to create your own income from:
• Social Security
• Pensions
• IRAs and 401(k)s
• Savings
• Investments

That raises an important question:

Which expenses are guaranteed to be covered every month?
Housing. Food. Utilities. Insurance. Medical expenses.

Some retirees use an annuity as one possible way to create a more predictable stream of retirement income to help cover essential expenses.

The strategy doesn't have to involve all of your savings.

For example, a person might use guaranteed income sources to help cover basic living expenses while keeping other assets invested for growth, emergencies, travel, or leaving money to heirs.

Retirement planning is about more than accumulating money.
It's also about turning your savings into income you can actually live on.

📩 Contact me for a free retirement income review and let's discuss your options.

Not All Annuities Are the Same: Know the DifferenceWhen people hear the word annuity, they often assume all annuities wo...
08/31/2026

Not All Annuities Are the Same: Know the Difference

When people hear the word annuity, they often assume all annuities work the same way.

They don't.

Here are three general categories:
🔹 Income Annuities
Designed primarily to create predictable income, either now or beginning at a future date.
🔹 Fixed and Indexed Annuities
May provide guaranteed interest or interest linked to an external market index, depending on the contract, while offering varying levels of principal protection.
🔹 Variable Annuities

Typically involve investment subaccounts and greater market exposure, which can mean greater risk.

The right choice depends on your goals, risk tolerance, time horizon, liquidity needs, and retirement income requirements.

That's why it's important not to buy an annuity simply because someone says it offers a high rate or guaranteed income.

Ask questions. Understand the contract. Compare your options.

The best retirement strategy is the one that fits YOUR financial situation.

📩 I offer a free review to help you understand whether an annuity may or may not make sense for your retirement plan.

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

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