Term life insurance

Life Insurance That Protects What Matters Most

Your family’s future deserves certainty. At Wealthwise Solutions, we make it simple to secure dependable life insurance coverage backed by long-standing, A+-rated insurance companies—so you can protect the people you love with confidence and peace of mind.

Life insurance is a cornerstone of smart financial planning at every stage of life. Securing coverage early—while you’re healthy—allows you to lock in lower rates and long-term protection, often saving thousands over time.

Term & Permanent Life Insurance—Built Around Your Life

We offer both term and permanent life insurance solutions, tailored to your goals and budget:

Term Life Insurance provides affordable coverage for 10 to 35 years, ideal for protecting income, paying off a mortgage, funding education, or covering key life responsibilities.
Permanent Life Insurance offers lifelong protection and builds cash value, providing flexibility for future needs, retirement planning, and legacy goals.

Our team will explain your options in clear, simple language so you can make confident, informed decisions.

Why Acting Now Matters

Nearly half of Americans have little or no life insurance coverage, leaving families financially vulnerable. Many people delay coverage because they assume it is unaffordable—when in reality, costs often increase 8–10% for every year you wait.

By securing coverage now, you gain immediate protection, long-term savings, and peace of mind knowing your loved ones are financially secure no matter what life brings.

Independent Guidance. Trusted Carriers.

Wealthwise Solutions is an independent agency partnering with leading marketing and distribution organizations, as well as trusted affiliates, to provide comprehensive life insurance, retirement planning, and wealth management solutions tailored to your needs, which means we represent you—not the insurance companies. We work with respected industry leaders such as Corebridge Financial, Nationwide, North American, and other top-rated carriers to find the right policy without bias.

Our role is to match you with coverage that fits your life today and grows with you over time.

Simple, Efficient, and Client-Focused Process

Getting coverage is easier than you think. We guide you through the application process step-by-step, including medical history and, when required, a medical exam. Many policies are issued within weeks.

If a claim is ever needed, the death benefit can be used however your beneficiaries choose—covering living expenses, mortgage payments, education costs, medical bills, or final expenses.

Secure Your Family’s Future Today

Customized life insurance solutions are designed to protect your family, preserve your legacy, and provide lasting peace of mind.

FAQs

How much life insurance coverage should I have?

A common guideline is to carry a total death benefit between 10 to 15 times your gross annual income if you have dependents. This approximates replacing enough income long term while eliminating debts owed. Factor in specific costs needs around college savings, mortgage balances, etc as well.

When should I buy life insurance?

Experts emphasize age 30 as an important milestone to purchase initial life insurance policies as responsibilities and expenses accumulate for more families. Locking in insurability earlier ensures broad options. Incrementally add additional policies as kids arrive, debts expand etc.

What’s the difference between term and whole life insurance?

Term life only provides a death benefit payout in event of passing during 15-30 year term length selected whereas whole life functions as forced savings allowing accruing cash value assets while also paying the insured amount lifelong as premiums stay paid.

Are term policy additions like Waiver of Premium or Convertibility worthwhile?

For relatively small incremental rate increases, waiver of premium ensures policy continuation without further payments if the insured becomes seriously disabled along with conversion options allowing shifting term policies to permanent cash value policies without new health examinations later. Both prove worthwhile.

When should I involve my children in life insurance planning?

At age 18 when kids gain control over their financial and healthcare decisions, it is wise to explain life insurance implications within estate planning so they grasp death benefit purpose along with any conversion provisions transferring control to them at particular ages stated.

Schedule a conversation today and take the first step toward protecting what matters most.

Schedule Free Financial Analysis