About Us | Pacific Wealth Solutions

About Us

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 mission is to provide a data-driven, transparent and pain-free process to purchase life insurance regardless where you are from.

Our team specializes in data analytics, underwriting wealthy global citizens and jumbo cases, and utilize insurance technology to enhance customer experience with a niche in the international market space.

Our Services

Real-time policy comparison

Simply answering few quick questions, we will pair you with product selections that best fit your financial preference, budget, health conditions, etc. You will be able to compare these policies side by side, and also against financial instruments such as savings account and S&P 500.

Digital online submission

Our technology will guide you to complete a short list of application questions after you select one or multiple products to apply. You can choose to sync your electronic medical records or upload documents along the way. Your application will be auto-submitted to carriers after a few e-signatures.

Professional help and much more

By registering your account on our platform, you can get professional help via online chat, email, or phone call. Besides that, you will be able to check policy status, download applications, and much more.

The Technology Behind

Portfolio Optimization Meets AI

Over 1,500,000 existing data sets extracted from the current U.S. insurance market are analyzed by AI to define the efficient frontier line. Each point on the frontier represents a maximized expected return at the risk level selected. This method allows PWS to recommend optimal solutions according to the client's risk preference.

Cloud Computing And Data Analysis

Using cloud computing, PWS simulates alternative financial vehicles’ performance according to past macro-economics trends and market records. The black lines in the graph represent PWS sample returns with different designs. With robust data analysis, PWS is able to present advance analytical metrics to clients.

Cloud Computing And Data Analysis

Using cloud computing, PWS simulates alternative financial vehicles’ performance according to past macro-economics trend and market record. The black lines in the graph represent PWS sample returns with different designs. With robust data analysis, PWS is able to present advanced analytical metrics to clients.

Optimized Return Simulations

PWS financial experts use Monte Carlo simulations and Stochastic Modeling to simulate the risks that may arise under different economic conditions to maximize the chances of achieving an absolute return. This stress test methodology optimizes risk-adjusted return for protection during down-markets, rather than pretty numbers on paper.

Our Past Case Size:

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Past Years

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Million of Total Premium

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Million of Total Face Amount