Wurst Life Insurance
We sell you
the worst possible
product.
For us.
The kind that pays out when you die and stops collecting premiums when you're done. Not the IUL we'd make 80% commission on. Not the whole life policy we'd club you with for 30 years. Just the boring honest one that protects your kids if you get hit by a truck.
Insurance is supposed to protect your family.
Not fund someone's vacation home.
We've watched too many families get sold "investment" policies they didn't need from people who made 80% commission on the first year's premium. We don't do that. Here's what we actually believe.
Term life does the job. Permanent products mostly don't.
For roughly 95% of families, term insurance plus separately invested savings outperforms permanent life products by a wide margin over 30 years. Not by a little. By a lot. The math has been settled for decades. The industry just doesn't tell you.
"Tax-free retirement" usually means "high-fee investment."
IUL and whole life policies are pitched as tax-advantaged investments. The tax treatment is technically real. The math underneath — caps, fees, surrender charges, cost of insurance — usually isn't on your side. We'll show you the spreadsheet. You decide.
Commissions are a conflict of interest. Period.
First-year commissions on permanent life products run 80–120% of premium. First-year commissions on term run 30–50%. Guess which one most agents push. We push the one that fits your family — even when it pays us less.
If you can do it yourself with a Roth IRA, do it yourself.
A maxed Roth, a 401(k) match, an HSA, a low-cost taxable brokerage — these are nearly always better than the "infinite banking" pitch. We'd rather hand you a checklist and a $25/month term policy than sell you something we'd quietly cancel ourselves.
$500/month for 30 years.
Three different paths.
A 35-year-old non-smoker with a family. $500 of monthly capacity. Three options sold by three different agents. Here's what they actually produce after 30 years.
$500/mo into permanent product
$500/mo into IUL with 7% illustrated cap
Term life + low-cost index funds
Estimates based on historical S&P 500 returns and standard industry illustrations. Past performance is not a guarantee. We're happy to walk you through your specific numbers.
When permanent products actually fit.
We'd be lying if we said permanent life insurance is wrong for everyone. It isn't. There's a real, narrow group it serves well. We just don't think it's most families.
You already check most of these boxes.
- You've already maxed your 401(k), Roth IRA, and HSA every year for at least five years
- Your projected estate is approaching or above the federal exemption (~$13.6M)
- You have a genuine permanent life insurance need — a special-needs dependent, a business succession, an estate-tax liability
- You can commit to overfunding the policy for 7–10 years through any economic conditions
- You're a high earner who has run out of other tax-deferred capacity and need diversification
If that's you, we'll happily sit down and walk through carriers, structures, and whether a properly-designed policy beats the alternatives. We're not religious about term — we're honest about fit.
If that's not you — and statistically it isn't — we'll set you up with term that does the job, save you tens of thousands of dollars over thirty years, and you can tell your nephew at Thanksgiving that you finally got the boring answer.
A family business.
Eight generations old.
Our family came to America in 1749. The original name was Vogt — a Swiss-German word for steward, the person who watches over the household. Customs paperwork made it Fite. The job stayed the same.
Eight generations later, we're still in the business of watching over households. Through The Wurst Life family of brands — built around the wins, the losses, the struggle, and the daily grind — we've been helping working families for a long time. Insurance is one piece of that work. The boring, unglamorous, essential piece.
We don't sell investment-style life products. We don't pitch infinite banking. We don't run "tax-free retirement" seminars with steak dinners. We sit at your kitchen table, look at your situation honestly, and help you buy the right amount of term life for the right reason. That's the whole job.
— The Vogt-Fite Family
Huntington Beach, California
No steak dinner.
No two-hour pitch.
Just the math.
Tell us a little about your family and we'll come back with a term-life recommendation, an honest assessment of whether you even need what we're selling, and the math that backs it up. Thirty minutes. Zero pressure.
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