It is the least expensive and simplest of all life insurance policies.
We’re proud to offer a prestigious selection of financial services products from some of the world’s leading life insurance providers.
TERM LIFE INSURANCE
“Term” is a life insurance policy that provides coverage for a predetermined amount of time. Benefits are gained if the policy owner passes away in a predetermined time frame, typically 10,15,20 or 30 years.
RETURN-OF-PREMIUM TERM LIFE INSURANCE
PHP also offers a compelling Term insurance policy that will return your ENTIRE premium if you outlive the term period of your life insurance.
30% of U.S. households have no life insurance. According to the organization’s “Facts About Life” report, “Among households with children under 18, 4 in 10 say they would have immediate financial trouble if a primary wage earner died today.”
INDEXED UNIVERSAL LIFE INSURANCE
Indexed Universal Life Insurance is a form of permanent life insurance. It’s an insurance policy where the benefit is assured to be paid upon your death (assuming the policy is kept current). Also, unlike Term insurance, the policy can accrue a cash value within specified “indexes” (such as the S&P 500 or Nasdaq 100).
NO-MEDICAL EXAM LIFE INSURANCE
This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.
Nearly 40 million U.S. households (45%) have no retirement assets, according to a recent report by the National Institute on Retirement Security, and half of those households are headed by someone aged between 45 and 65.
FIXED INDEXED ANNUITY
This is a special class of annuities offered by PHP that yields returns on your contributions based on a specific equity-based “index,” such as the S&P 500. With an Indexed Annuity there is a guaranteed minimum return, so even if the stock index does poorly, the holder will not lose any part of his investment. Conversely, the yields will be somewhat lower due to caps and fee-related deductions.
REAL FAMILIES. REAL STORIES.
