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income protection for life

We specialize in...

  • disability insurance

  • long-term care insurance

  • and critical illness coverage you don't have to.

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We work with you to protect your clients' well-built financial plans. Your client works hard for their income and they need a plan to keep it if they get sick or injured. Modern medicine will likely let someone keep their life; insurance can help them keep their livelihood. Here’s to being prepared—for all the “yets” in life.

our process

We can work directly with your client if you prefer to be hands-off or we can be your managing general agency if you're a licensed life & health insurance agent. We can help every step of the way, from determining which solution is best for your client (including educating them on why the coverage is important) to our streamlined, digital e-application process to policy delivery.


  • targeted prospecting
  • shareable content
  • co-branded campaigns
  • contract analysis
  • sales strategies


  • prequalifications
  • quick quotes
  • plan recommendation
  • presentation help
  • product comparisons


  • in-person, by mail, via phone, or electronically
  • use our in-house e-app for all CI, DI, or LTC products


  • timely updates for submitted apps
  • status reports for in-force business
  • continued correspondence


  • policies issued electronically
  • or by mail


  • benefit reviews
  • policy notices
  • benefit changes
  • increase opportunities
  • and more

types of coverage

  • Maxwell Schmitz, MSFS, CLTC, Senior Advisor
    *New Business Inquiries *Case Design *Prequalification *Quotes Email: Yetworth's CEO, Max, wrote Planting the Seed: 20 Ways to Preserve Your Yetworth, co-authored The Questions and Answers on Disability Insurance Workbook, is a frequent speaker at industry events, and was the 2022 recipient of the William "Bill" Barrett Distinguished Service Achievement Award. Max earned his Master’s degree in Financial Services through the American College and in his spare time enjoys the great midwestern outdoors with his family, usually while musing about future industry trends.
  • Patrick Lim, New Business Director
    *Case Management *Advisor Relations *Contracting & Licensing Email: Since 2012, Patrick has been supporting our advisor force in various ways. He is now our primary case manager for all product lines and leads the charge in getting agents properly contracted, as well as ensuring up-to-date producer licensing. Patrick received a BA in International Studies from UC San Diego, and he enjoys running and experiencing the latest culinary trends at home with his wife and daughters.
  • Laura Lalonde, In-Force Business Director
    *In-Force Correspondence *Office Administration Email: Laura is the first voice you’ll hear when calling Yetworth. She helps incoming callers find the right resources for case inquiries, sends carrier correspondence to our agents, and is our primary in-force business contact. Laura is a long-time contributor to the Giant Steps Therapeutic Equestrian Center in Petaluma, holds a BFA from University of SF Academy of Arts, and is a ray of light to those around her.
  • Emma Schmitz, Managing Director
    *Communications *Marketing *Management *Accounting & Biz Admin Email: First a writer and then a marketer, Emma develops and distributes most of our messaging and visual identity, as well as performs the bookkeeping, technical, and administrative tasks that keep Yetworth running. Working from home in Truckee, CA, she lives with her dogs and homestead partner. Emma earned a degree in Creative Writing from UC Santa Cruz and is a Certified Cicerone and BJCP Beer Judge.
  • Jack Schmitz, CLU, ChFC, CASL, Consultant
    *Brokerage Consultant *Contract, Rate Increase, Compensation, & Viability Inquiries Email: Jack served as Yetworth’s (formerly known as Bay Area Disability, then DI & LTC) president for over thirty years with his wife, Diana, our previous vice president. Jack received his CLU, ChFC, and CASL from the American College, was the 2015 recipient of the International DI Society W. Harold Petersen Lifetime Achievement Award, has led several local financial associations, and is a past president of The Plus Group. He likes to hike, paddle board, and spend time with friends and family over good wine and food.
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