You have income. Now protect it.
Create a life insurance policy that helps you replace your income.
Building wealth is hard. Finding an efficient, low-risk way to do it is harder.
Most people try one path after another, and most start in the wrong place. They chase growth before their family is protected, or before they have room to breathe. Without a guide, it is easy to work hard for years and still feel one setback away from starting over.
So we built a guide. It is the order every Wealth Nation family follows, and it starts with the one thing that makes everything else possible.
Your guide, in four steps.
Every Wealth Nation family starts with a simple foundation: know your cash flow, keep a reserve, and write down your family’s money rules. Then we move through four steps, in this order.
Cover what matters
If your income stopped tomorrow, what happens to your family? The right life insurance, whether term or whole life, replaces the income they depend on, so the mortgage, the bills, and the plans keep moving forward.
Keep your options open
The unexpected should be an inconvenience, not a crisis. Whole life insurance also develops cash value gradually, typically smallest in the early years, and over time it can become one source of liquidity. It is never the starting point.
Keep moving forward
With your foundation in place, your goals stop being wishes and start becoming a plan.
Live the life you are building
Wealth is what it lets you do. We help you design the life you want, then plan for it on purpose.
How much life insurance does your income call for?
Your paycheck is worth far more than one paycheck. Here is what that looks like over a working life.
Don’t take just our word for it.
“...September 2019 we set up the first policy. By the following March, I paid off my first Student loan. By the following December, I paid off my car. And by the following March, I took up a second student loan and somewhere in between there, I paid off my credit car. As we are speaking my student loan is down to 41,000 and this is a great process…”
CyrilWealth Nation client“...I found Darius and Carmen on Youtube about two years ago. Before I was struggling to create cashflow. Now, with two policies I am able to use it for real estate. First it was fixing, and flipping houses. Now I'm into multi-family syndication making million dollar deals.”
TonyaWealth Nation client
Carmen and Darius Britt
Carmen and Darius are the voices behind Wealth Nation. Through free videos and live trainings, they help families understand financial protection and planning in plain language, so they can make confident decisions.
Join more than 200,000 people who follow along on YouTube.
WATCH ON YOUTUBELife insurance, explained simply.
How much life insurance do I need?
A common starting point is the economic value of your income over your working years, compared with the coverage you already have. Our calculator shows you that gap in about two minutes.
How much does life insurance cost?
Cost depends on your age, health, the amount of coverage, and the type of policy. The best place to start is seeing how much protection you need, then looking at your options for closing the gap.
What is the difference between term and whole life insurance?
Term life insurance covers you for a set number of years. Whole life insurance is permanent coverage that stays in place for your entire life as long as premiums are paid. Both pay a death benefit to your beneficiaries.
What is whole life insurance?
Whole life insurance is permanent coverage. It stays in place for your entire life as long as premiums are paid, and it pays a death benefit to your beneficiaries.
What is cash value, and why isn’t it the priority?
Some permanent policies, such as whole life insurance, include a cash value component that develops gradually over time. It is a feature of the policy, not the reason to buy it. The death benefit that protects your family comes first, so protection comes first. We explain cash value and how it may be used in the right order, after that foundation is in place.
What is a protection gap?
Your protection gap is the difference between what your income is worth over your working years and the life insurance you already have. It shows how much of your family’s future is unprotected today.
Is the life insurance I get through work enough?
Coverage through your employer is a helpful start, but it is often tied to your job and may not match what your family actually needs. The calculator counts your employer coverage when it shows your gap.
How does the Cover Your ASSets calculator work?
You enter your age and income. We estimate the economic value of your income through age 69, then compare it to your current coverage to show your protection gap. It is an educational estimate, not a recommendation.
What happens on a Discover Your Options call?
A Discover Your Options call is a conversation with a Wealth Nation advisor to walk through your calculator results and learn your options for closing the gap. You will see how to book one right after you see your results.
Ready to see how much life insurance protection your income calls for?
It takes about two minutes. You will see your economic value, your protection gap, and where to start. We will email you a copy of your results.
COVER YOUR ASSETSThis page is for educational purposes only. The calculator provides a simplified estimate of economic value. It is not a measure of intrinsic human worth, a recommendation to purchase a specific amount or type of insurance, a guarantee of insurability, or a substitute for an individualized review by a properly licensed insurance professional.