Fundraiser
Help the family cover Dad's funeral
$2,140 raised of $8,30031 donations
Still $6,160 short.
Life insurance · Deep East Texas
GoFundMe is not life insurance.
A fundraiser asks your friends to cover what you leave behind. A policy means they don't have to. Your price is set by your age and health the day you apply.
- Marine Corps veteran
- Licensed Texas agent
- Phone or video, on your schedule
Life insurance policy- Pays
- The amount you chose, in writing
- Goes to
- The people you name
- Asks your friends for
- Nothing
An example, not a real fundraiser. The goal is the 2023 national median for a funeral with a viewing and burial (NFDA). A policy pays while it's in force.
One agent. Nine companies.
I didn't sign on with every company out there. I chose these because they're strong for the families I work with. Then I find the one that fits yours.
If somebody counts on you, this is for you.
Pick the one that sounds like you.
Veterans
You served. Now cover the people who waited on you.
VGLI is the easy box to check on the way out. I've filled out that paperwork myself, so I know how it works, and I'll be straight with you: the price climbs every five years for as long as you keep it. For a lot of veterans there are better long-term options. Let me show you both.
VGLI, $500,000 of coverage, per month
- Age 30–34$40
- Age 60–64$425
- Age 80+$2,200
VA rates as of July 1, 2025.
All 12 VGLI rates and your optionsFirst responders
You run in when everybody else runs out.
Department coverage is a good start, but it's tied to the job. Retire, move, or switch departments, and it may not come with you. A policy you own goes wherever you go, for as long as you keep it.
Medical & dental
You take care of everyone. Who's covering your family?
Doctors, dentists, nurses, hygienists, and the front desk that keeps it all running. Your family's whole life is built around your income. Whole life or an IUL protects it for the long run, and builds cash value you can lean on along the way.
The trades
Hard work pays the bills. Make sure they still get paid.
Linemen, welders, plant hands, loggers, truckers, mechanics. You do the jobs this part of Texas runs on. If your paycheck stopped tomorrow, the bills wouldn't. Whole life and final expense keep the people you love from footing them.
The median funeral with a viewing and burial in 2023. Before the plot, the vault, or the headstone.
- The house note is still due next month. So is the truck.
- About half of Americans have any life insurance at all.
Your family will grieve either way. Whether they also have to pass a hat is up to you.
See what it would cost meSources: NFDA 2023 General Price List Study (national median); LIMRA 2025 Insurance Barometer (51% own life insurance).
Coverage that doesn't run out.
I mainly write three kinds of policy, all built to last your whole life.
Compare all three, in plain wordsWhole life
Coverage for life. No surprises.
- You pay
- Fixed. It never goes up
- Cash value
- Grows at a guaranteed rate. You can borrow against it
Indexed universal life (IUL)
Lifetime coverage with room to grow.
- You pay
- Flexible. Pay more in good years, less in lean ones, within the policy's limits
- Cash value
- Interest tied to a market index, with a floor
Final expense
The funeral and final bills, handled.
- You pay
- Fixed. A smaller policy, so a smaller payment
- Cash value
- A small amount
Need term? I write it when it's the right fit. It covers a set number of years and costs less up front, but it ends. My focus is coverage that's still there when your family needs it, whenever that is.
Your kitchen table. My home office.
No office to drive to and nobody sitting in your living room. We talk by phone or video, whenever works for you.
Call, or leave your number.
Tell me who you want to protect. That's all I need to start.
We talk it through.
On a lunch break, between shifts, or after the kids are down. I ask who counts on you, what you owe, and what fits the budget.
I shop. You pick.
I run your numbers with the companies I write for and lay the options side by side. Pick one, or don't. No hard sell from me.
Your agent
I'm Dakota Simmons.
“Families don't need to be burdened after a loved one is gone.”
Dad of two and a licensed Texas agent. I'd rather you understand your policy than just own one.
- Texas license
- #2920774
- NPN
- 20516861
The reasons people put this off.
Isn't life insurance expensive?
Less than most people guess. Your price comes down to your age, your health, and how much coverage you want, and final expense policies are built for tight budgets. The only way to know your number is to run it.
I already have coverage through work.
Good. Find out how much it is and what happens to it if you leave, retire, or get laid off. Group coverage is usually tied to the job. Plenty of people keep it and add a policy they own outright.
I've got health problems. Can I still get covered?
Often, yes. Every company looks at health a little differently, which is one reason I shop more than one. Many final expense policies ask a few health questions instead of requiring an exam. I'll tell you exactly what you qualify for.
See what it would cost you.
Leave your name and number and I'll call you back myself. I'll ask a few questions, run your numbers with the companies I write for, and walk you through what I find. Talking costs nothing, and you're not signing anything on that call.
Rather talk now? Call (936) 201-9836