Insurance Solutions

Term Life Insurance

Key Benefit:
Low-cost protection when you need it most.

  • Affordable, straightforward coverage for a set period (e.g., 10, 20, or 30 years).

  • Ideal for temporary needs like mortgage protection or income replacement.

  • Renewable and convertible options available.

Term 100 Insurance

Key Benefit:
Guaranteed protection with stable premiums.

  • Lifetime coverage with premiums that stop at age 100.

  • Provides permanent protection without the complexity of cash values.

Universal Life Insurance

Key Benefit:
Lifelong protection with built-in flexibility and tax-advantaged growth

  • Flexible permanent life insurance that combines lifelong coverage with a tax-advantaged investment component.

  • Allows you to adjust premiums and death benefit amounts over time based on changing needs.

  • Ideal for long-term planning, estate protection, or building cash value that can be accessed during your lifetime.

Whole Life Insurance

Key Benefit:
Guaranteed growth and protection for life.

  • Offers lifetime coverage with a guaranteed cash value component.

  • Premiums are fixed, and the policy builds tax-deferred savings over time.

  • Ideal for estate planning and wealth transfer.

Critical Illness Insurance

Key Benefit:
Financial security during health crises.

  • Provides a lump-sum payment if you’re diagnosed with a covered illness (e.g., cancer, heart attack, stroke).

  • Use the funds for treatment, recovery, or financial stability during challenging times.

Disability Insurance

Key Benefit:
Protects your income and lifestyle when it matters most.

  • Replaces a portion of your income if you’re unable to work due to illness or injury.

  • Options for short-term and long-term disability coverage.

Investments & Tax Strategies

We help you grow and protect your wealth with strategies designed to maximize tax efficiency.

01.

Tax-Advantaged Investments

Reduce taxable income and increase after-tax returns.

02.

Corporate Tax Planning

Use corporately held insurance and investments to minimize taxes.

03.

Retirement Planning

Build a nest egg while reducing tax liabilities.

04.

Estate Planning

Ensure your wealth is preserved and transferred efficiently to your beneficiaries.

Corporate-Owned Permanent Insurance

Why Corporately Held Insurance Matters

01.

Allows business owners to leverage insurance for tax-efficient wealth transfer.

02.

Protects your company while building a legacy for your family.

03.

Premiums can be paid with corporate dollars, reducing the tax burden on personal income.

Key Uses

  • Fund buy-sell agreements.

  • Cover key person risks.

  • Grow tax-advantaged savings within the policy.

  • Optimize estate planning and reduce taxes.

Speak to an advisor

We’re here to work with you.

Getting started with WealthCare Financial Services is simple—our initial meeting is a relaxed, no-obligation conversation where we take the time to understand your goals, answer your questions, and explore the best financial strategies for you. Our experienced team makes the process easy and approachable, ensuring you feel confident and informed every step of the way.