At DI4MDs we represent most of the major, competitive life insurance companies. No one company provides the most cost-effective policy for all ages, types, and amount of coverage, especially taking into consideration health and avocations. Let us help you navigate toward a life insurance solution that best fits your personal situation now and in the future. We will represent you and insure you qualify for the best risk class, taking into consideration your health and avocations.

All policies are not the same. Some provide coverage for life and others cover you for a specified number of years. Some build up cash values and others do not. Some policies combine different types of insurance and others allow you to change from one type of policy to another. We will design a plan based on your needs, risk classification, and budget. For some guidance, Hawaii determined that the family members of those who passed in the Maui fires would receive $1.5 million in death benefits for each deceased.

Family portrait outdoorsItems to consider in helping determine the proper amount of coverage:

  1. Immediate Cash Needs: How much will be needed at your death to pay all bills, final expenses, funeral costs, loans, notes, medical costs, income, estate, and inheritance taxes?
    Do you want your family to continue to live in your home after your death and have the mortgage paid off?
  2. Emergency Fund: How much do you want to provide your family as an emergency fund?
  3. Education Needs: How much do you want to provide for your children’s educational needs?
  4. Family / Spouse Income needs: How much income is needed for your family to live the way you’d like them to?
  5. Estate Tax Liability: Currently, there is no estate tax if assets are passed to a spouse. However, based on the exemption, liability exists if assets are passed to a non-spouse (i.e., children).


Should a breadwinner die, the financial impact for dependents is the loss of the breadwinner’s income. The following will calculate the money needed for a replacement income.
Gross Annual Income Required by dependents:
Number of years this income will be required:
Estimate the inflation rate:
Estimate the interest rate:
Gender: Male 
Smoker/Tobacco: Yes 
Health Class:
 Type of Insurance:

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