Dominic Javier, Life Insurance Broker
Dominic Javier
DEAJ Insurance and Investments Consulting
Life Insurance Broker Licensed in TX
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Location
Flower Mound, TX
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About Me
Hi. I'm Dominic Javier, your trusted Life, Health, Disability and HMO; as well as Property and Casualty insurance broker in Texas. I am AHIP and CMS certified, so much qualified to help you with your Medicare Advantage and Supplement insurance needs. I can help navigate the complexities of Market-health.gov, SHOP and CHIP.
I am passionate about helping families and individuals secure financial security and confidence in the years ahead. Whether you’re planning for today or tomorrow, I can help you make the right decision.
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Q&A with Dominic Javier
How does life insurance work for veterans and active military?
Answer: The government highly subsidizes coverage for those serving, along with pathways to keep that coverage when transitioning out. There are two types - Active Duty/Reserve status and Post-Service/Veteran status. If you are healthy when you separate from the military, locking in a private 20- or 30-year level term policy will often save you thousands of dollars compared to VGLI as you age. However, if you have service-connected health conditions that make private underwriting difficult, VGLI is an irreplaceable safety net.
What is the most common mistake people make when buying life insurance?
Answer: The single most common mistake people make is treating life insurance like an investment rather than a safety net, which usually leads to buying the wrong type of policy.
Specifically, this means falling for high-pressure sales pitches for permanent coverage—like Whole Life or Universal Life—when a simple Term Life policy would serve them vastly better.
Can non-citizens buy life insurance in the U.S.?
Answer: Yes, non-citizens can absolutely buy life insurance in the United States.
However, the process goes depending entirely on your legal residency status and your financial ties to the country. Insurance companies want to ensure you have a "substantial presence" in the U.S. and a reason to keep paying the policy.
Can creditors take life insurance money from beneficiaries?
Answer: It depends on whose debt it is and how the policy was set up. Legally, proceeds belongs to the beneficiary, meaning your personal creditors cannot touch a single dime of it to satisfy your unpaid credit cards, medical bills, or mortgages.
What is an accelerated death benefit?
Answer: An accelerated death benefit is a life insurance feature that lets you take out part of your payout money early if you become seriously or terminally ill. The money you receive while alive is simply subtracted from what your family gets later on.
What is indexed universal life insurance and how does it compare to traditional investments?
Answer: An IUL is generally best suited for high earners who have already maxed out traditional retirement accounts and specifically need permanent life insurance with a conservative, tax-sheltered cash buffer. While traditional investments are vastly more efficient at building pure wealth because they don't have the heavy drag of insurance fees and caps on your growth.
How are survivorship life insurance policies helpful in estate planning?
Answer: Survivorship life insurance, also frequently called second-to-die life insurance, it delays the payout of the until the death of the surviving spouse. Under current US tax laws, the unlimited marital deduction allows assets to pass to a surviving spouse entirely tax-free. However, when the second spouse dies, the estate may face substantial federal (and potentially state) estate taxes if the estate exceeds the exemption threshold.