Insurance Solutions
Helping protect your future with strategic insurance planning in California.
Insurance designed to support your full financial picture.
Insurance isn’t just about policies—it’s about peace of mind. At Pacific Wealth Planning, we help you understand how insurance fits into your bigger financial picture, from protecting your income and family to planning for long-term care or legacy goals. We guide you through your options with a clear, unbiased approach—so you can make confident decisions without pressure. Whether you’re reviewing coverage for the first time or refining your strategy, our advice is grounded in your goals, not sales quotas. Together, we make sure you’re covered where it counts—now and in the future.
Types of Insurance We Review
We guide you through coverage options with clarity.
Disability Income Insurance
Ensure you can maintain income in case of illness or injury that prevents work.
Long-Term Care Coverage
Plan for future medical needs without disrupting your retirement strategy.
Life Insurance
Whether term or permanent, life insurance can protect your family or fund legacy goals.
Policy Reviews & Gap Analysis
We help assess existing coverage and identify any shortfalls or overlap.
Insurance in Estate Planning
Use insurance to provide liquidity, replace income, or fund trusts with tax efficiency.
Insurance Planning FAQs
What to know about integrating insurance into your financial strategy.
Why is life insurance important in financial planning?
Life insurance provides financial protection for your loved ones in the event of your passing. It can be used to replace lost income, pay off debt, fund education, or support legacy and estate goals. It’s especially important if you have dependents or want to leave a structured financial legacy.
What’s the difference between term and permanent life insurance?
Term life insurance offers coverage for a set period and is typically more affordable. Permanent life insurance covers you for life and may build cash value, which can be accessed under certain conditions. We help you choose the right type based on your goals and budget.
How do I know if I have enough coverage?
We conduct a needs-based assessment that looks at your income, liabilities, family situation, and long-term goals. This ensures your coverage is aligned with your real-life needs—not just a rule-of-thumb calculation or a guess.
Do you sell insurance products
As independent advisors, we’re not tied to any one provider. We don’t push products—we help you evaluate options across the market and make decisions that support your overall financial strategy, not just an insurance quota.
