Families
If your paycheck stopped tomorrow, how long would your family be OK?
- Income replacement for your spouse and kids
- College funding and final expenses
- Term, whole life, and indexed universal life
Independent life insurance · Dallas–Fort Worth
How much coverage do you actually need?
Most people guess, or take whatever work offers. Get a real number in 60 seconds for your family, your home, or your business. Then talk it through with a local agent who shops multiple carriers for you.
Free, no obligation
Multiple top-rated carriers
20-minute call
I'll give you a straight answer, even if it's that you don't need more coverage.Tim Hermesmeyer · Licensed agent, TX #3259447
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Estimated coverage need
$0
Example numbers shown. Change any field.
This is an educational estimate, not a quote or an offer of coverage. Your actual needs, eligibility, and price depend on underwriting and your full financial picture.
How it works
Three steps, no pressure
STEP 1
Run your number
Use the calculator above. It takes about a minute and you don't need to share anything to see your result.
STEP 2
A 20-minute call
We look at your number together, talk through term versus permanent coverage, and figure out what fits your budget.
STEP 3
I shop the carriers
As an independent agent I compare options across multiple insurance companies and bring you the best fits. You decide.
Who I help
Protection built around what you'd leave behind
Homeowners
Would your family get to keep the house?
- Coverage sized to your mortgage balance
- Term length matched to your loan
- Living benefits and return-of-premium options
Business owners
What happens to the business if you or your partner died?
- Key person coverage
- Funding for buy-sell agreements
- Executive bonus and retention plans
Coverage options
The right tool for the job
There's no one best policy. We match the type of coverage to what you're protecting and how long you need it.
Family
Term life
The most coverage for the lowest cost, for 10 to 30 years. Ideal while kids are home and the mortgage is open.
Family
Whole life
Lifelong coverage with level premiums and guaranteed cash value that grows over time.
Family
Indexed universal life
Permanent coverage with cash value growth linked to a market index, with flexible premiums.
Family
Final expense
Smaller whole life policies that cover funeral costs and final bills so family isn't left with them.
Home
Mortgage protection
Term coverage sized to your loan, often with living benefits if you're seriously ill.
Business
Key person
Pays the business if an owner or top employee dies, to cover lost revenue and replacement costs.
Business
Buy-sell funding
Makes sure the money is there for partners to buy out a deceased owner's share from the family.
Business
Executive bonus
Company-paid permanent coverage that rewards and keeps your best people.
When to look again
Life changes. Your coverage should too.
If any of these happened in the last year, it's a good time for a quick review.
Got marriedHad a babyBought a homeRefinancedStarted a businessTook on a partnerChanged jobsGot a raiseKids off to collegeNearing retirement
Why independent
I work for you, not one insurance company
A captive agent can only sell one company's policies. I can compare many, so you get the right carrier for your age, health, and goals.
| Captive agent | Hermesmeyer | |
|---|---|---|
| Carriers compared | One | Many |
| If your health changes | Same company's rules | Shop carriers that fit |
| Work coverage review | Rarely | Always |
| Business planning | Varies | Key person & buy-sell |
Why HIS
Everything we have is on loan
HIS stands for Hermesmeyer Insurance Solutions. It's also a reminder of what I believe: our families, our homes, and our businesses are gifts we're called to take care of well. Life insurance is one of the most practical ways to do that.
"A good man leaveth an inheritance to his children's children."Proverbs 13:22
About
Hi, I'm Tim Hermesmeyer
I live in the Dallas area, and I'm active in my church and school community. I started Hermesmeyer Insurance Solutions to help families and business owners protect the people who depend on them.
My background is in financial and lending software, so I like making the numbers simple and clear. You'll always know what you're buying and why, and if you don't need more coverage, I'll tell you.
As an independent agent, I'm not tied to one insurance company. I compare options from multiple carriers and recommend what fits you best.
Texas license#3259447
ServingDallas–Fort Worth
AffiliationExperior Financial Group
Questions
Common questions
Does it cost anything to talk?
No. The call is free and there's no obligation. Agents are paid by the insurance company when a policy is placed, not by you.
Isn't the coverage through my job enough?
Group coverage at work is often one or two times your salary, and it usually ends when you leave the job. Most families need more, and it's cheaper to lock in individual coverage while you're younger and healthy.
Do I need a medical exam?
Not always. Many carriers now offer no-exam options for healthy applicants up to certain amounts. We'll look at which route makes sense for you.
Can I get coverage if I have health issues?
Often, yes. Carriers look at conditions like diabetes, high blood pressure, or past surgeries very differently. That's a big reason to work with an independent agent who can match you to the carrier that treats your situation best.
How long does it take to get covered?
Some policies can be approved in days with no exam. Fully underwritten policies usually take a few weeks. We'll give you a realistic timeline on our call.
Term or permanent?
Term covers a set period, like until the kids are grown or the mortgage is paid, and costs the least. Permanent coverage lasts your whole life and can build cash value, at a higher premium. Many people use a mix.
Pick a time that works for you
Grab a free 20-minute call. Bring your number from the calculator, or just your questions.