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.

Tech-driven Life Insurance Brokerage,
Powered by AI
Brings you optimized products with transparency

Pacific Wealth Solutions got you covered. We proudly present you our new unparallel insurance technology that helps you select the best-fit product, auto-submit application, and keep track of policy status. Before you know it, you will be covered by life insurance that best suits your goal and budget.

A life product fits your

budget and goal

No meetings or phone calls

needed to complete the

application

Get coverage in front of your

screen at home

Learn More About PWS InsurTech

What We Offer

We ensure you the top products with maximum returns using Big Data and Insurance Technology.

Instant product customization and selection.

Side by side policy comparison.

Provided by top-rated insurance carriers.

Auto-submission for one or multiple applications with e-signature.

Sync medical records and upload documents with ease of mind.

No need for an agent. But if you want, you will receive expert guidance along the way.

Our Plans

We ensure you the top products with maximum returns using Big Data and Insurance Technology.

iLife

  • Instant product customization and selection.
  • Side by side policy comparison.
  • Provided by top rated insurance carriers.
  • Auto-submission for one or multiple applications with e-signature.
  • Sync medical records with ease of mind.
  • No need for an agent. But if you want, you will receive expert guidance along the way.
Apply Now
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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 preferred.
Schedule a Consultation

Coverpath

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

How It Works

desktop

Answer a few questions online

Within 5 minutes, we will pair you with the best product that fits your profile.

Select and Apply

Compare and select one or multiple products you wish to apply.

Register an account that has all

E-sign application, check policy status, sync medical records, receive professional help, and much more.

Receive offer at home

You can complete the whole application process and submit it directly to insurance carriers.

Apply Now

How we beat the traditional sales process

PWS InsurTech Traditional Way
Everything done online? Yes No
Have to speak or meet with an insurance agent? No, only if you want to! Yes
Average time spent on an application? 5 mins. 45-60 mins.
Mandatory medical exam before application? No Yes
Upload financial and medical records with application online? Yes No
Apply for multiple carriers at once? Yes No

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
Let us help you improve