Protect What Matters Most
Life insurance isn't just a safety net — it's a strategic wealth transfer tool. Ensure your family's financial security and create a tax-efficient legacy for generations.
Insurance Solutions We Cover
Hover over each card to see the details. From basic term to sophisticated whole life.
Term Life
10, 20, or 30 Years
Term Life Insurance
Affordable coverage for a specific period. Ideal for income replacement and mortgage protection during peak earning years.
- Lowest premiums available
- Fixed guaranteed death benefit
- Convertible to permanent
- Up to $10M+ coverage
Whole Life
Lifetime Coverage
Whole Life Insurance
Permanent coverage with guaranteed cash value accumulation. A cornerstone of estate planning for high-net-worth families.
- Lifetime guaranteed coverage
- Cash value grows tax-deferred
- Tax-free policy loans
- Dividend-paying options
Universal Life
Flexible & Adjustable
Universal Life Insurance
Flexible premiums and adjustable death benefits. Cash value can be invested in various sub-accounts for growth potential.
- Flexible premium payments
- Investment sub-accounts
- Adjustable death benefit
- IUL & VUL options
Track All Policies From One Dashboard
Manage every life insurance policy from your WealthSmith dashboard. Monitor coverage, track beneficiaries, and never miss a renewal date.
Whole Life - Pacific Mutual
Coverage: $2,000,000 | Cash Value: $185,400
Term 20yr - New York Life
Coverage: $1,500,000 | Expires: 2038
IUL - Transamerica
Coverage: $1,000,000 | Cash Value: $42,100
Coverage Gap Detected
Based on your net worth ($8.2M) and liabilities, we recommend an additional $3.5M in coverage for full estate tax protection.
Life Insurance by the Numbers
Understanding the facts can help you make better decisions about coverage.
of Americans have no life insurance at all
recommended income replacement coverage
average cost for $500K term life policy
death benefits to beneficiaries
Do You Have a Coverage Gap?
Most families are significantly underinsured. Here's what proper coverage looks like.
Under-Insured
Coverage less than 5x income
High Risk
Partially Covered
Coverage 5-10x income
Moderate Risk
Fully Protected
Coverage 10x+ income + estate
Optimal
Why It's Essential for Wealth Planning
Family Protection
Replace lost income and cover outstanding debts so your family maintains their lifestyle.
Estate Tax Liquidity
Provide immediate cash to cover estate taxes without forcing the sale of illiquid assets.
Business Continuity
Fund buy-sell agreements and key person insurance to protect your business interests.
Charitable Legacy
Name charitable organizations as beneficiaries for a lasting philanthropic impact.
A-Rated Carriers
Only top-rated insurers
Fiduciary Advice
Your interests first
Policy Reviews
Annual free analysis
Dedicated Support
Claims assistance 24/7
Secure Your Family's Future Today
Get a personalized insurance review and find the right coverage for your situation.
Get a Free Consultation