Dean Chiapetto, Life Insurance Broker
Dean Chiapetto
We Insure Retirement, LLC
Life Insurance Broker Licensed in VA, MD, NC, TN and WV
20+ Years of Experience
Contact Details
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Location
Floyd, VA
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Website
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Facebook
About Me
Hi, I'm Dean — a life insurance advisor who's passionate about one thing: making sure your family always has a safety net.
I know this isn't exactly the most fun conversation to have. Life insurance can feel complicated, overwhelming, or just easy to put off. That's exactly why I'm here — to make it simple, clear, and maybe even a little less stressful.
Whether you're just getting started or you already have a policy and want a second set of eyes on it, I'll sit down with you, walk through your options, and make sure you actually understand where you stand. No jargon, no pressure — just a real conversation about what makes sense for you and your family.
From term policies to whole life coverage, I'll help you compare your choices and feel confident about the path forward.
Your family's future is worth protecting. Let's figure out the best way to do that — together.
Directions to My Office
Q&A with Dean Chiapetto
Answer: If you have the policy, call the number in the policy and they will walk you through the process. If there is an agent listed call the agent and they will help.
Answer:
What type of policy is this? Is Term or permanent? How long is the Term? Can I convert this term policy to whole life? For permanent insurance, is it whole life or universal life. If it is universal life you need to know what type, universal life, indexed or variable. Make sure to seek out a local broker to explain this to you.
Brokers make a difference.
Answer:
You can sell a life policy for cash if you are the owner. Before you do that make sure to get with your agent to go over all of your options. You may be creating a tax issue. Always use a trusted broker for your insurance needs.
Brokers Make a Difference.
Answer:
AD&D insurance pays if you are in an accident or lose a limb. It is typically low cost and has very specific conditions to pay out. Ask your broker for details on the policy.
Brokers Make a Difference.
Answer: This depends on who pays for the insurance. If you are paying most likely you can take it with you. If your employer pays, you probably will not be able to take it. Check with your HR to be sure.
Answer:
Agents are paid by the insurance company. You need to use an agent to purchase insurance. You want to work with an insurance broker. A broker will represent many different companies and be able to find a policy that fits best for you.
Brokers Make a Difference!!!
Answer:
A 1035 exchange is in Part 72 of the IRS tax code. It allows you to move money from one policy to another like policy with no tax consequence. Speak with a qualified broker who can help explain this to make sure you have no problems.
Brokers Make a Difference!!!
Answer:
Term insurance is like renting a house, you can use it for a term(period of time) and then you walk away with nothing. It is important to contact a qualified broker who can see if you have any options. Some policies allow you to purchase additional insurance no matter your health condition.
Brokers Make a Difference!!!
Answer:
Return of premium is typically attached to term policies. At the end of your term the insurance company will pay you all the premiums you paid for the policy. It can be a good deal, it depends on your situation. Contact an experienced broker.
Brokers Make a Difference!!!
Answer:
The answer is YES! If you cannot qualify for a fully underwritten policy you may qualify for a graded policy or a guaranteed policy. A graded policy asks some health questions and a guaranteed policy asks few questions. Both policies will have a waiting period before they pay the full face value. If you die during the waiting period your beneficiaries will receive what was paid in plus interest. Contact a qualified Broker.
Brokers Make a Difference!!!
Answer:
You can name as many people as you like on a policy. The owner of the policy can change beneficiaries if needed. Policies allow for beneficiaries and contingent beneficiaries, who only get paid out if the primary beneficiaries are deceased.
Contact a local broker.
Brokers Make A Difference!