Term life vs. Whole Life Insurance: Which Is Best For You | Pacific Wealth Solutions

About PWS

Pacific Wealth Solutions is an InsurTech company located in Irvine, California.

We implement technologies to analyze insurance investment, automate underwriting process using big-data and quantitative mathematics, and deliver exceptional experience to life insurance customers with our professional multi-lingual team members.

Our Plans

We ensure you the top products with maximum returns using Data-Analytics Technology.

Term Life Insurance

  • Up to $3M coverage.
  • No medical exam needed.
  • Provided by MassMutual, an AA+ credit rating insurance carrier.
  • Everything instant.
  • No need to an agent. But if you want, you will receive expert guidance along the way.

Permanent Life Insurance

  • Up to $3M coverage.
  • No medical exam needed.
  • Provided by MassMutual, an AA+ credit rating insurance carrier.
  • Everything instant.
  • No need to an agent. But if you want, you will receive expert guidance along the way.

Premium Financing

  • Generate a future tax-free income.
  • No out of pocket, borrow from bank to secure life insurance coverage
  • Preserve liquidity with tax benefits for estate planning
  • A net worth of $5M or higher is required.

Already insured?
We can help you switch plans.

Most people’s life insurance policies are not optimized, and they don’t know
about it. Are you sure yours was the best you could get?

We have helped people switch policies from

Low credit rating carriers BBB+, A-, A
High credit rating carriers A+, AA-, AA+

Increased their coverage from

$2M
$20M