Protection planningLife insurance that fits your family
Term, permanent and supplemental options compared against your real budget, with every trade-off explained.
Licensed in 8 states and Washington, DC
Book a free consultation45 minutes, no cost
Protecting what matters most
Life insurance, retirement and savings, explained in plain language before anyone talks about a product. Your first consultation is free.
Coverage review completeTwo protection gaps found and explained
Retirement plan on trackWritten summary ready to take home
No cost, no obligation
In person, phone or video
Everything in writing
Where we’re licensed
Serving families in 8 states and Washington, DC
Licensed agents with carrier appointments in every state listed. Meet in person, by phone or on video.
- MDMaryland
- VAVirginia
- TXTexas
- GAGeorgia
- DCWashington, DC
- FLFlorida
- PAPennsylvania
- COColorado
- CTConnecticut
Your plan is readyPrinted summary, yours to keep
Gaps clearly markedSee exactly where you are exposed
A plan you can actually read
Every consultation ends with a clear, written summary of where your family stands. No jargon, no fine print you have to decode alone.
- Your coverage need, in dollarsBuilt from your income, debts and dependants.
- The gaps, clearly markedWhere you are protected today and where you are exposed.
- Options sized to your budgetChoices you can sustain, with costs laid out in full.
Why families choose World Financial Screen
The difference is in how the conversation is run, not in which products sit at the end of it.
Education before products
You understand how a strategy works before you are ever asked to sign anything.
Sized to your budget
Coverage that lapses in two years protects nobody. We plan for what you can sustain.
A relationship that lasts
Plan reviews as life changes, and a real person when a claim or question comes up.
What we help with
Services for families, individuals and business owners, from protection to retirement income. Most people start with one of the first three.
Protection planning
Needs analysisA clear picture of what you need
Goals, income, debts and existing coverage worked through in detail. You see the arithmetic.
Wealth-building educationMoney that works long term
Compounding, time horizon and risk explained plainly. No projection is ever presented as a guarantee.
Retirement planning
How employer plans, individual accounts and insurance-based options differ, before anything is opened.
Financial education
Budgeting, protection, retirement and saving for individuals, couples and small groups.
Client follow-up
Regular plan reviews as life changes. A new job, a new child or a move all count.
Prospecting
Reaching families and business owners who have never had a straight conversation about money.
Community outreach
Free financial literacy sessions for schools, churches, employers and community groups.
Recruiting and team building
A licensing path and mentorship for motivated people who want to join the industry.
Training and development
Scheduled continuing education keeps our guidance current with regulation.
Annuities
Fixed and fixed indexed annuities that turn your retirement savings into income you can count on.
How a first meeting works
Four steps, usually in one sitting of about 45 minutes. You can stop at any of them.
We listen
Your family, your income, what you already have in place, and what worries you most.
We explain
How life insurance, retirement accounts and savings strategies actually work.
We map the gaps
A written summary of where your family is protected and where it is exposed.
You decide
Take the summary home. Act now, later, or not at all. No follow-up pressure.
A licensed team, accountable to the families it serves
15+Years of combined experienceHelping families read the fine print.
5,000+Families guidedAcross the states we serve.
8States licensed, plus DCWith carrier appointments in each.
$0Cost for a consultationWhether or not you buy anything.
What our clients say
Families across the states we serve on what changed after one conversation.
I had a policy through work and assumed that was enough. They showed me it would cover about eight months of expenses, not the ten years my kids need. We fixed the gap for less than my phone bill.
Nobody in my family ever talked about money. They spent two hours explaining how retirement accounts and life insurance work, and did not try to sell me anything that day. I came back a month later on my own.
When my husband passed, I had no idea what to file or who to call. They handled the carrier paperwork with me and stayed on it until the claim was paid. I did not have to fight anyone while grieving.
Frequently asked questions
Don’t see your question? Call us at +1 240-425-9518.
We focus on life insurance — term, permanent and supplemental — along with retirement-focused and savings-focused financial products. Policies and accounts are issued by licensed third-party carriers and institutions, and we are appointed to represent them. If your situation calls for something outside our licensing, we will tell you and point you elsewhere.
No. The consultation, the financial education session and the needs analysis are all provided at no cost to you. We are compensated by the carriers when a client chooses to move forward with a policy, and we will tell you plainly when that applies.
We run a needs analysis that looks at your income, debts, dependants, existing coverage and the goals you want protected. That produces a coverage range rather than a single number, so you can choose where in the range your budget sits. You will see the arithmetic.
No. Protection planning matters most for households where losing one income would be immediately difficult. Many families start with a modest term policy and a small automatic savings habit, and build from there.
Claims are paid by the issuing carrier, not by us, and each carrier has its own process and timeline. We help your beneficiaries gather the documents, file correctly, and follow up until the file moves. That support does not expire and is not charged for.
Yes. We schedule periodic reviews to check that your coverage still matches your life, and we are available in between for questions. Marriage, a new child, a new job or a move are all reasons to revisit the plan.
We are always open to motivated people who want to learn this industry, and we support you through state licensing and ongoing training. Prior financial experience is not required. Ask about the licensing path when you book.
Book your free consultation
Pick a time that works for you. The first meeting is a conversation about your situation, with nothing to buy and nothing to prepare.
- Around 45 minutes, in person, by phone or online
- A written summary of where you are protected
- No cost, and no obligation to move forward