Licensed in 30 states and Washington, D.C. · Based in Deerfield Beach, FL
I sell dreams. Guarantees are how they come true.*
Lifetime income, money your family can use for the mortgage, and a legacy that goes where you meant it to. I’m David Frederickson, an independent agent who shops multiple carriers and explains the fine print before you sign.
David FredericksonLicensed Life Insurance & Annuity Agent · Licensed in 30 states and Washington, D.C. · FL License #W827787
*Guarantees are backed by the claims-paying ability of the issuing insurer.
Independent agent working with 20 carriers
Carriers I work with
- Allianz Life
- Americo
- Ameritas
- Assurity
- Athene
- Banner Life
- Corebridge Financial
- Fidelity Life
- Foresters Financial
- Gerber Life
- Kansas City Life
- Lafayette Life
- Liberty Bankers Life
- Lincoln Financial
- MassMutual
- National Life Group
- North American Company for Life and Health
- Pacific Life
- Pan-American Life
- Transamerica
Carrier and product availability varies by state. Appointments current as of Oct 2026. Listing a carrier does not imply its endorsement.
What a client says
“Finally, someone who explains financial planning in a way that makes sense. No pressure, just honest guidance. Our mortgage is now protected and our future feels secure.”
USA Wealth Builder helps families and business owners choose life insurance that fits, and explains the fine print in plain English.
What do you want to leave behind?
- Money for the mortgage
- Income your family can count on
- A plan your heirs can follow
Our job is simple: help you decide what you want to leave behind, then find coverage that fits.
Book a free callLife Insurance Strategy
Life insurance and annuity options matched to your family, your home and your business.
Business Owner Life Insurance
Life insurance for business owners and key employees, coordinated with your CPA and attorney.
- Key person coverage
- Buy-sell funding
- Executive bonus (Section 162) plans
- Cash value that can build over time (amounts aren't guaranteed beyond the policy's guaranteed values)
Each design is built around your business, with your CPA and attorney.
Book a free callMortgage Protection
Life insurance for homeowners with a mortgage.
- A death benefit sized to pay off the mortgage
- Paid to your beneficiary, who decides how to use it
- No forced decisions during grief
Mortgage protection is about responsibility—not fear.
Book a free callRetirement Income
Turn savings into income designed to last as long as you do.
- Lifetime income options backed by the claims-paying ability of the issuing insurer
- Fixed and index-linked options, explained with their caps, fees and surrender charges
- Income options that aren't invested directly in the stock market
Annuity options explained in plain English, before you sign anything.
Book a free callLong-Term Care Coverage
Long-term care coverage where licensed, including traditional long-term care policies and hybrid life insurance policies with long-term care benefits.
- Benefits generally start when you can't perform 2 of 6 activities of daily living, or have a severe cognitive impairment, as the policy defines them
- With a hybrid life policy, a death benefit can pass to your beneficiaries if care is never needed
- Subject to underwriting, elimination periods and benefit limits
Ask us which options are available in your state.
Book a free callWho We Work With
Families and business owners who want coverage that fits their plans.
Where David Is Licensed
Licensed Life Insurance & Annuity Agent · Licensed in 30 states and Washington, D.C. · FL License #W827787
David Frederickson is licensed to offer life insurance and annuities in 30 states and Washington, D.C.: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Washington, D.C.
Florida is his resident state (License #W827787). The others are nonresident licenses. We meet by phone or video call in every one of them, and in person at your home in South Florida, by appointment only. Product availability varies by insurer and state.
Protect What You've Built.
Control What Happens Next.
A free call by phone or video, from any of the 30 states or Washington, D.C., where David is licensed, to see whether your coverage still fits your plans. No pressure. No product push. Just clarity.
What to Expect
Review of your current coverage
Coverage gaps, and anything you may not need
Clear next steps tailored to your situation
By appointment only: phone or video call wherever David is licensed, or at your home in South Florida.
Prefer to talk now? Call 850-612-8175