Building Financial Resilience With Insurance Solutions
Beyond Policies: Aligning Insurance with Your Life’s Journey
Our Insurance Offerings
Annuities
Plan for a stable financial future with customized income solutions.
Fixed Annuities
Predictable, guaranteed payments to support your retirement goals.
Variable Annuities
Potential for higher returns linked to market performance.
Indexed Annuities
A balance of growth opportunity and downside protection.
Life Insurance
Safeguard your loved ones’ financial future and create a lasting legacy.
Term Life Insurance
Affordable coverage for a specific period to protect your family’s immediate needs.
Whole Life Insurance
Lifelong protection with a cash value component for long-term financial security.
Indexed Universal Life (IUL)
Flexible coverage with potential for cash value growth tied to market performance.
Variable Life Insurance
Combine life insurance with investment options for growth potential.
Final Expense Insurance
Ensure your end-of-life costs don’t burden your family.
health Insurance
Comprehensive health coverage solutions for individuals and businesses.
Individual Health Plans
Personalized coverage to protect your health and financial well-being.
Group Health Insurance
Attract and retain top talent with robust employee health benefits.
Medicare Supplements
Fill the gaps in Original Medicare for more complete coverage.
Self Funded Health Coverage
Customized health plans for businesses seeking more control and potential savings.
Why Choose PWYB for Your Insurance Needs?
- Personalized strategies suited to your unique situation
- Education-first approach to empower your decision-making
- Access to a wide range of top-rated insurance providers
- Financial planning that integrates insurance with your overall wealth strategy
- Expertise in both individual and group health insurance solutions
Understanding Your Insurance Needs
Every individual’s insurance requirements are unique.
Factors to consider
Your Current Financial Situation
Future Financial Goals
Family Obligations
Risk Tolerance
Estate Planning Objectives
Our PWYB advisors will help you assess these factors and recommend the right insurance solutions for you.
For Health Insurance
Your current health status and medical needs
Family medical history
Budget constraints
Preferred healthcare providers
For Businesses:
Employee Demographics & Company Budget
The PWYB Insurance Process
Initial Consultation
We listen to your goals and concerns.
Needs Analysis
Our experts assess your current situation and future needs, including health insurance requirements for you, your family, or your employees.
Strategy Development
We create a personalized insurance plan.
Implementation
We help you put your chosen strategies in place.
Ongoing Review
We regularly reassess your coverage to ensure it meets your evolving needs.
Frequently Asked Questions
The amount of insurance coverage you need depends on various factors unique to your situation. These include:
- Your current income and future earning potential
- Outstanding debts and financial obligations
- Family size and dependents’ needs
- Long-term financial goals
- Existing assets and savings
There’s no one-size-fits-all answer. At PWYB, we conduct a comprehensive analysis of your financial situation and future objectives to determine the appropriate coverage. This ensures you’re neither underinsured nor paying for unnecessary coverage.
Yes, combining different types of insurance policies is not only possible but often advantageous. This strategy, sometimes called a “hybrid” or “blended” approach, can provide more comprehensive coverage and potentially offer cost savings. For example:
- Combining term and permanent life insurance to balance affordable coverage with lifelong protection
- Adding riders to existing policies to enhance coverage in specific areas
- Using a mix of annuity types to create a diversified retirement income strategy
At PWYB, we specialize in creating custom insurance portfolios that leverage multiple policy types to meet your unique needs and goals efficiently.
We recommend reviewing your insurance coverage annually, as well as after any significant life events. These events might include:
- Marriage or divorce
- Birth or adoption of a child
- Purchasing a home
- Career changes or significant income shifts
- Major health changes
- Approaching retirement
Regular reviews ensure your coverage evolves with your changing life circumstances and financial goals. At PWYB, we provide ongoing support and scheduled check-ins to keep your insurance strategy aligned with your current situation and future aspirations.
Remember, these reviews aren’t just about maintaining adequate coverage—they’re opportunities to optimize your financial protection and potentially take advantage of new insurance products or features that might benefit you.
