Speak With An Expert Today!
Does your insurance line up with your needs?
Insurance Planning That Protects Your Family, Your Income, and Your Legacy
Get clear, pressure-free guidance on the type of coverage you need — and how to protect the people and assets that matter most.
The 3 Stages of Insurance Planning
Protection Foundation
Basic Safety Net
Key goals:
>Protect income
>Cover debts & mortgage
>Provide family stability
>Choose affordable, essential coverage (often Term Life or Final Expense)
Growth & Wealth Building
Strategy to Protection
Key goals:
>Grow cash value tax-advantaged
>Protect long-term income
>Build legacy wealth
>Explore Whole Life, Indexed >Universal Life (IUL), or income-focused annuities
Retirement & Legacy Preservation
Securing Income & Passing Wealth Efficiently
Key goals:
>Tax-free legacy
>Guaranteed lifetime income
>Long-term care protection
>Estate planning support
>Utilizing annuities, Whole Life, IUL, or Final Expense
Why People Choose YWAIT
Insurance is confusing —
But it doesn’t have to be.
Most people know
What type of insurance they need
How much coverage is appropriate
Whether their policy matches their goals
How insurance impacts retirement and taxes
YWAIT exists to break everything down clearly and help you choose coverage that supports your entire financial picture — not just today, but for decades.
With YWAIT, You Get:
A pressure-free, educational approach
A licensed advisor who works for YOU, not a company
Coverage tailored to your goals, your income, and your family
Clear explanations in plain English
A strategic blend of protection + long-term financial planning
YWAIT Insurance Solutions
Each solution is designed to help you understand where you stand today and what steps will protect your future income. Whether you’re reviewing your retirement numbers, managing investments, or moving old accounts, we guide you with simple, personalized strategies.
Affordable protection for income, mortgage, debts, and young families.
Designed to cover the years when your financial responsibilities are highest.
Permanent, guaranteed coverage with cash value that grows tax-advantaged.
Ideal for building long-term financial stability and generational wealth.
Small, affordable plans designed to cover funeral costs, medical bills, and last expenses — preventing financial stress for families.
Flexible permanent insurance with market-linked growth potential and tax-free retirement distribution strategies.
Useful for long-term financial planning and legacy strategies.
A retirement income solution that provides stability, protection, and in many cases, guaranteed lifetime income.
Perfect for those who want predictable monthly income and market-risk protection.
Meet Jessica Wade
Retirement & Income Planner
I help individuals and families understand their coverage options and build protection strategies that give them confidence today — and security tomorrow.
Whether you’re looking for simple term coverage, permanent life insurance, final expense, or retirement income solutions like annuities, my job is to make the process clear and stress-free.
You’ll always get honest guidance, zero pressure, and a plan tailored to your life and financial goals.
Frequently Asked Questions
How much life insurance do I actually need?
It depends on income, debt, dependents, and long-term goals. A review calculates the right amount for your situation.
What’s the difference between term and whole life insurance?
Term covers you for a set period at a low cost; whole life lasts your entire lifetime and builds cash value.
Is life insurance expensive?
Most people are surprised how affordable the right policy is. Rates depend on age, health, and coverage amount.
Can I get coverage if I have health issues?
Yes — there are simplified issue and guaranteed issue options designed for people with medical conditions.
What is an Indexed Universal Life (IUL) policy?
It’s permanent coverage with flexible premiums and cash value growth based on market performance (with downside protection).
Who needs Final Expense insurance?
Anyone who wants to ensure their funeral costs and end-of-life expenses don’t become a burden for their family.
How do annuities work?
They convert savings into protected income — often guaranteed for life — and can serve as a foundation for retirement income.
Do I still need life insurance after retirement?
Often yes — for covering income loss, paying expenses, leaving a tax-free legacy, or supporting long-term care planning.
Can I use life insurance for tax-free retirement income?
Yes. Certain policies (like IUL or Whole Life) can be structured for tax-advantaged withdrawals.
Will my employer-provided life insurance be enough?
Usually not. Most policies are small and vanish when you leave your job.
How long does it take to get approved?
Simple policies can be approved in minutes; others may take a few days or weeks depending on underwriting.
What happens if I outlive my term policy?
You can renew it, convert to permanent insurance, or replace it — ideally before the term ends.
Your family deserves protection you can trust — and a plan that grows with you.
Let’s build your insurance strategy together.
At YWait, we believe everyone deserves a confident financial future — not just the wealthy, not just the financial “experts,” but everyday people like you.
Whether you're planning for retirement, protecting your family with life insurance, or just trying to make smarter business moves, we’re here to give you clear, unbiased advice you can actually use. No jargon. No sales pitches. Just real guidance from someone in your corner.
We serve:
Hardworking individuals and families who want peace of mind
Business owners, educators, tradespeople, and entrepreneurs looking to turn their hard work into lasting security
619.815.8811 | 928.597.3301
© 2025 YWait - All Rights Reserved.