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Family protection
Explore coverage designed to help protect income, mortgages, education goals, final expenses and the people who depend on you.
Protection for what matters most
Life changes.
Protect what shouldn't.
Life insurance doesn't have to be complicated. One World Wealth Solutions helps you understand your options and find coverage designed around the people and future you're building.
No obligation to request information. Coverage, eligibility and pricing depend on carrier underwriting and policy terms.
Simple guidanceUnderstand your choices
Personal approachCoverage based on your goals
Protection + planningThink beyond a single policy
Human supportSpeak with a real professional
Coverage that fits real life
Insurance is more than a policy.
It's a strategy for protecting income, family, business obligations and the legacy you want to leave behind.
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Term Life Insurance
Coverage for a defined period that can help protect your family during the years when financial responsibilities may be highest.
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Permanent Life Insurance
Explore lifelong protection options and understand how different permanent policies may fit into a broader financial strategy.
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Business & Legacy Planning
Consider protection for business continuity, key people, family obligations and longer-term estate or legacy objectives.
A clearer way forward
Three simple steps
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Tell us about yourself
Share your basic needs, goals and the type of protection you're considering.
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Review your options
We help you make sense of coverage types, tradeoffs and available solutions.
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Choose with confidence
Move forward only when you've found an option that makes sense for your situation.
ONE WORLD WEALTH SOLUTIONS
Meet Michael Lozenik
Michael Lozenik is President of One World Wealth Solutions Inc., an active Florida corporation based in Miami Beach. The firm focuses on helping clients think through life insurance and financial protection as part of a broader plan for family, business and legacy goals.
Whether you are exploring term life insurance, permanent life insurance, retirement planning or a broader wealth protection strategy, the goal is to make the process understandable, personal and aligned with your needs. Coverage, product availability and underwriting vary by carrier and state.
Your future is worth protecting.
Start a conversation about the right life insurance strategy for you.
Miami Beach, Florida
Life insurance & wealth protection guidance close to home
One World Wealth Solutions serves clients from Miami Beach with guidance around life insurance, income protection, family protection, retirement planning, estate and legacy considerations, and business protection. We help clients understand coverage choices and prepare questions for the underwriting and policy-selection process.
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Business protection
Discuss life insurance considerations for owners, partners, key people, succession planning and continuity needs.
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Retirement & legacy
Consider how insurance may fit alongside retirement, wealth-transfer and long-term financial planning objectives.
Questions, answered
Life insurance basics
How much life insurance do I need?
That depends on factors such as income replacement, debts, dependents, future expenses and your financial goals. A needs-based review can help you estimate an appropriate amount.
What's the difference between term and permanent life insurance?
Term insurance generally provides coverage for a specified period. Permanent insurance is designed to remain in force for life when policy requirements are met and may include additional features depending on the product.
Will I need a medical exam?
Requirements vary by insurer, product, coverage amount and underwriting. Some applicants may qualify for streamlined underwriting, while others may need additional medical information or an exam.
How much does life insurance cost?
Pricing varies based on age, health, coverage amount, policy type, term length and insurer underwriting. Requesting information is the best way to explore available options for your circumstances.
Do you help clients in Miami Beach and South Florida?
One World Wealth Solutions is based in Miami Beach, Florida. Insurance availability and the ability to transact depend on applicable licensing, carrier appointments and state requirements.
Can life insurance be used in business planning?
Life insurance can be considered in certain business-continuity, key-person and succession-planning strategies. The appropriate structure depends on the business, ownership arrangement, tax considerations and policy terms.
Can life insurance be part of retirement or legacy planning?
Depending on the policy and individual circumstances, life insurance may be considered as one component of a broader retirement, estate or legacy strategy. Tax and legal consequences should be reviewed with qualified professionals.