Life - Livewise Insurance Services

Life Insurance That Does More—Protection, Care, and Financial Control. Peace of mind, all in one place.

Protect What Matters. Plan With Purpose.

Services

Life insurance isn’t just protection-it's a financial tool.

When designed with intention, it can help you consolidate debt, fund long-term care, safeguard your loved ones, and even create a private source of capital you control. In other words, it’s not just a policy—it’s a strategy.

eliminate worrisome bills sooner for a debt-free retirement

The average American will pay more than one-third of their lifetime income in interest, spread across mortgages, credit cards, auto loans, and student debt. And that's before we even account for the roughly 40% lost to taxes on every dollar earned.

A specially designed life insurance policy can help you:

Do not watch your money disappear to banks and credit card companies--use it to build a stable, growing financial foundation that supports your long-term goals.

The rising Cost of Long-Term Care

70% of Americans over 65 will need some form of long-term care, yet most have no strategy to pay for it. With the average annual cost of care exceeding $100,000 nationally, even well-prepared retirees can find themselves exposed by inflationary costs.

Traditional long-term care policies are the past. We can structure a solution that offers:

You can even use retirement assets or existing savings to fund the plan in a tax-efficient way. You’re not just planning for the what-ifs—you’re protecting your independence, preserving your legacy, and taking care of your future with intention.

Traditional vs. Modern LTC Insurance – FAQs

FAQ's	What Traditional LTC is...	What is Possible with LTC Insurance...
Use-it-or-lose-it?	Yes – benefits only if care is needed	No – benefits are paid out one way or another
Premium Increases?	Often increases over time	Premiums are locked in from the start
Lifelong Coverage?	Usually limited (2-5 years)	Can offer guaranteed lifetime coverage
Death Benefit?	None	Yes – passes to your loved ones tax-free
Payment Options	Ongoing annual premiums	Can be funded upfront or over time, even using retirement assets
Access to Care Benefits	Yes	Yes – use for home care, assisted living, or skilled nursing

Protecting the Ones You Love

Nearly 1 in 3 families would struggle financially within a month of losing the household breadwinner. Many people assume they have "enough" coverage—until it's too late.

Life insurance provides immediate financial relief when it matters most—paying off debt, replacing lost income, covering final expenses, and helping your family maintain their lifestyle. It turns a time of crisis into a moment of stability.

Testimonials

Caroline B.

I recently had the pleasure of working with LiveWise Insurance and you made the process a walk in the park. I really appreciate your knowledge and always ready to help and tackle any questions. I highly recommend you to anyone looking for an insurance agent that puts customers first. Two thumbs up and 5 stars!

Anais K.

LiveWise have consistently exceeded my expectations regarding my insurance coverage. Always responsive, taking time to find the best solution for my needs. As you give your clients 5-star services, I give you Two thumbs up and 5 stars!

"I admit, I was a great deal apprehensive at first. I mean here you have someone I don't know, and you're going to be sharing a lot of information with them... that's scary. But just know that LiveWise Insurance is very trustworthy, knowledgeable, professional, and polite. Though there are many processes in setting up your insurance, there's no one that can make it easier to understand than Dennis. And if you still don't understand don't worry, he's got you covered. Dennis has a great deal of patience and knows how to explain things in way that doesn't make you feel like a dummy. If you don't care to understand, that's fine too. Trust it all to Dennis and just know that he'll handle everything. Also know that he's there for you when ever you need him.

Paul D.

"Livewise Insurance Services provided exceptional guidance and support for my healthcare insurance needs. Highly recommend!"

John D.

Frequently Asked Questions

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Monthly Giving

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One Time Donation

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Life Insurance That Does More—Protection, Care, and Financial Control. Peace of mind, all in one place.

Protect What Matters. Plan With Purpose.

Services

Life insurance isn’t just protection-it's a financial tool.

When designed with intention, it can help you consolidate debt, fund long-term care, safeguard your loved ones, and even create a private source of capital you control. In other words, it’s not just a policy—it’s a strategy.

eliminate worrisome bills sooner for a debt-free retirement

The average American will pay more than one-third of their lifetime income in interest, spread across mortgages, credit cards, auto loans, and student debt. And that's before we even account for the roughly 40% lost to taxes on every dollar earned.

A specially designed life insurance policy can help you:

Do not watch your money disappear to banks and credit card companies--use it to build a stable, growing financial foundation that supports your long-term goals.

The rising Cost of Long-Term Care

70% of Americans over 65 will need some form of long-term care, yet most have no strategy to pay for it. With the average annual cost of care exceeding $100,000 nationally, even well-prepared retirees can find themselves exposed by inflationary costs.

Traditional long-term care policies are the past. We can structure a solution that offers:

You can even use retirement assets or existing savings to fund the plan in a tax-efficient way. You’re not just planning for the what-ifs—you’re protecting your independence, preserving your legacy, and taking care of your future with intention.

Traditional vs. Modern LTC Insurance – FAQs

Protecting the Ones You Love

Nearly 1 in 3 families would struggle financially within a month of losing the household breadwinner. Many people assume they have "enough" coverage—until it's too late.

Life insurance provides immediate financial relief when it matters most—paying off debt, replacing lost income, covering final expenses, and helping your family maintain their lifestyle. It turns a time of crisis into a moment of stability.

Testimonials

Caroline B.

Anais K.

LiveWise have consistently exceeded my expectations regarding my insurance coverage. Always responsive, taking time to find the best solution for my needs. As you give your clients 5-star services, I give you Two thumbs up and 5 stars!

Paul D.

"Livewise Insurance Services provided exceptional guidance and support for my healthcare insurance needs. Highly recommend!"

John D.

Frequently Asked Questions

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