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your client-facing general agency
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We are an independent insurance brokerage that works with financial and insurance professionals to protect their clients' livelihoods through customized insurance solutions.
We take a white-glove approach and collaborate with a team of trusted advisors to present the insurance solution that best fits your client's needs.
our team
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Maxwell Schmitz, MSFS, CLTC, Senior Advisor*New Business Inquiries *Case Design, Prequalification, Quotes *Content Creation Email: max@yetworth.com 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.
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Luke Rother, CLU, CEPA, Lead Insurance Strategist*Life Insurance Strategies *Business Planning Solutions Email: luke@yetworth.com Luke has specialized in life insurance since 2018 and joined us to expand Yetworth’s business planning offerings. He has a passion for helping clients understand the value of their policies and entered financial services after working in the nonprofit sector. Luke graduated from Texas A&M, earned a master’s from John Brown University, holds his series 6 and 63 as well as a life and health insurance license, has earned the Certified Exit Planning Accreditation (CEPA), and is on his way to completing the CLU designation. Luke lives in Colorado with his partner, Luke, and their dog, Mo, and he enjoys reading, cooking, traveling, backpacking, and generally staying active.
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Patrick Lim, New Business Director*Case Management *Advisor Relations *Agent Contracting & Licensing Email: patrick@yetworth.com 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.
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Laura Lalonde, In-Force Business Director*In-Force Correspondence *Office Administration Email: laura@yetworth.com 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.
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Emma Schmitz, ChFC, Managing Director*Commissions & Accounting *Agency Licensing, Registrations, etc. (Biz Admin) *Management, Systems, & IT Email: emma@yetworth.com Emma manages the behind-the-scenes at Yetworth, ensures money goes where it's supposed to, and distributes content to our audience. She also performs the technical and administrative tasks that keep Yetworth running such as systematizing, agency licensing, insurance, and registrations. 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 currently earning her ChFC designation.
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Jack Schmitz, CLU, ChFC, CASL, Consultant*Brokerage Consultant *Contract, Rate Increase, Compensation, & Viability Inquiries Email: jack@yetworth.com 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.
who we are
independent
We are a family-owned general agency dedicated to helping insurance and financial advisors secure the best available disability income and long-term care solutions for their clients. For forty years, we've worked with dozens of the top carriers in the industry. That means you'll always be able to access the best options for your clients' income security needs. Our independence is what sets us apart; we get your clients covered with the right solutions for their financial situation.
visionary
As third-generation income protection specialists, we strive to streamline processes and leverage our creative vision to connect with our audience. Simplification is key—that’s why we were the first general agency to adopt a drop-ticket e-application for each solution. Thought leadership runs deep in our veins, evident by our decades-long participation in NAIFA and The Plus Group, serving on the Field Advisory Board, and partnering with The Ridgeback Group.
compassionate
Compassion is essential to our core; the subjects of disability and illness are not to be taken lightly. We are empathetic human beings just like you, and we have a four-decades-long reputation for sticking around for the life of a policy. 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.
what people say
"We are so blessed to have found you guys, everyone at Yetworth is fabulous to work with and we appreciate everything you do for us and our clients! We couldn’t do it with out your team!" - E.L.
Your ‘above-and-beyond’ efforts are much appreciated!” - B.M.
"Patrick and staff are great to work with." - A.C.
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