A common starting point is the DIME formula: Debt, Income replacement, Mortgage payoff, and Education costs. We'll run a quick Needs Analysis to find your specific number based on your family, obligations, and goals.

As an independent agency, Desperado Financial isn't tied to one company. We shop the market to find the best fit for your specific health and financial goals — not the policy a captive agent is required to sell.

Most FIA contracts include a '0% floor' feature, designed to limit losses tied to market declines. If the index drops, the contract is typically structured to credit 0% for that period rather than a negative return. You keep what you've earned. Specific terms, caps, and floors vary by carrier and contract.

You can use Qualified funds (like rolling over an old 401(k) or IRA) or Non-Qualified funds (like cash from savings or the sale of a home). We'll walk you through the most tax-efficient approach for your situation.

A Multi-Year Guaranteed Annuity (MYGA) locks in a specific interest rate for a defined term — typically 3, 5, or 7 years. Similar to a high-yield CD, but with the added benefit of tax-deferred growth. The contract is backed by the carrier's claims-paying ability.

Policy features (often riders) that may allow you to access a portion of your death benefit while you're still alive — if you're diagnosed with a qualifying critical, chronic, or terminal illness. It's insurance you don't have to die to use. Qualifying conditions and benefit amounts vary by carrier.

Not at all. Term Life provides low-cost peace of mind during your most vulnerable years — mortgage, kids at home, peak earning. And many policies are convertible, meaning you can turn them into permanent coverage later, often without a new medical exam.

Yes — your coverage should grow with you. Whether you get married, buy a new home, or retire, we can review your strategy and adjust your coverage to match your current stage of life.