Paulina Swietek-Gorski is a licensed life insurance agent with Goodwill Financial, an independent, family-run insurance agency in Elmhurst, Illinois.
Paulina is a National Life Group agent. National Life Group is a mutual life insurance company founded in 1848, known for its motto “Do Good. Be Good. Make Good.” and for its long history of permanent life insurance.
Meet Your Agent
Hard questions, in your language
She works with families across Chicagoland and can help clients anywhere in the country by phone or video, in English or Polish, so you can ask the hard questions in the language you think in. She focuses on protection that works while you're living, not only after you're gone.
Licensed Life Insurance AgentEnglish & PolishComes to your homeChicago & suburbsNational Life Group agent
The Agency
Backed by Goodwill Financial
Immigrants built Goodwill Financial for families and small-business owners. The agency has served its community for more than twenty years and holds a 4.9-star Google rating. It leads with two ideas: protect more families with living benefits, and educate before selling.
Most families still picture life insurance as money that arrives only after a funeral. Modern policies can do far more. Living benefits (accelerated benefit riders built into the policy) can let you access a portion of your own death benefit while you're still alive, if you're diagnosed with a qualifying serious illness such as a heart attack, stroke, cancer, or a chronic or terminal condition.
Your health plan takes care of the hospital bill. Living benefits are for everything the hospital doesn't send an invoice for: the mortgage, the groceries, the income that stops while you recover. And on many of the policies Paulina works with, this protection is built in at no additional premium.
1 in 3
Americans will face a serious illness before age 65. That's the gap living benefits were built to cover.
How Living Benefits Work
1.
Own the right policy
Many term and IUL policies include the rider from day one. It has to be in place before the diagnosis arrives.
2.
Life happens
A qualifying diagnosis triggers the benefit: critical, chronic, or terminal illness as defined in the policy.
3.
Access your benefit
You can draw part of your death benefit while you're living, and spend it wherever your family needs it.
A living benefit is an advance of your own coverage. What you use reduces the death benefit paid later.
How I Can Help
Life insurance with living benefits
Best for: every family that wants protection to show up during life, not only after it.
Whether the right fit is a term policy or permanent coverage, Paulina builds protection around policies that include living-benefit riders. If a serious illness strikes, the coverage can help you through it instead of paying out only at the end.
Access part of your benefit on a qualifying critical, chronic, or terminal illness
Spend it where it's needed: mortgage, medical bills, replacing a paused paycheck
Included at no additional premium
The full death benefit for your family remains the foundation
How I Can Help
Term Life Insurance
Best for: young families and anyone whose paycheck others depend on.
The simplest, most affordable way to cover the years when the stakes are highest: young kids, a mortgage, a single income. You choose the coverage amount and the window, commonly 10 to 30 years, and the premium stays level the entire term. Size it honestly: Debt, Income, Mortgage, Education.
The most coverage per dollar of any life insurance
Level premium, locked in for the full term
Living benefits can be included at no extra cost
Usually convertible to permanent coverage later, often without a new medical exam
How I Can Help
Indexed Universal Life (IUL)
Best for: people who want lifetime coverage plus growth they can't lose to a market crash.
Permanent protection with a cash-value account linked to a market index, often the S&P 500, with a floor underneath it. A crash year can't take away what you've built, and strong years credit interest up to a cap. Structured properly, the cash value grows tax-deferred and can fund tax-advantaged retirement income. It's life insurance, not a stock-market investment, and you'll see the real numbers before you decide anything.
Permanent death benefit for your family
0% floor, so a falling index doesn't create losses in your indexed account
Tax-deferred growth, with potential tax-advantaged retirement income
Living benefits built into many modern IUL policies
How I Can Help
IUL for Kids
Best for: parents and grandparents who want to give a head start no savings account can match.
Starting a policy for a child or grandchild locks in two things that are nearly impossible to get back later: the lowest insurance costs of their lifetime, and their insurability even if their health changes down the road. Meanwhile, the cash value has decades to compound, ready for college, a first home, a first business, or one day their own retirement.
Lifetime insurability, locked in while they're young and healthy
Decades of compounding ahead of them
No education-only restrictions: college, home, business, or retirement
A gift that's still working in sixty years
How I Can Help
Mortgage protection
Best for: homeowners whose family depends on their income to keep the house.
A term policy sized to your mortgage balance and matched to your payoff schedule, so the house stays in the family whatever happens. Unlike lender-offered coverage, a policy you own pays your family, not the bank, and it moves with you through a refinance or a new home. Paired with living benefits, it can also help keep the mortgage current if a serious illness stops your paycheck.
Death benefit sized to your loan, term matched to your payoff timeline
Your family receives the payout and decides how to use it
Portable, so it follows you if you refinance or move
With living benefits, help can arrive while you're living, too
Get In Touch
Let's talk about your family's plan
Free Insurance Analysis & Quote
A first conversation costs nothing and obligates you to nothing.
A call, an email, or save the contact, whatever's easiest. You won't fill out a form or get handed off to someone else.
2.
We talk for about 20 minutes
What you have today, where the gaps are, and what living benefits would change. In English or Polish, in plain words either way.
3.
You decide
Real options that fit your situation, real numbers on paper. There's no pitch and no pressure, and if what you have is already right, you'll hear that too.
