Why Get Life Insurance

Like most of us, we know you would do anything to protect your family and ensure they have a bright future. But have you considered how your loved ones would continue financially if you were no longer here, or if you were no longer able to provide for your family?

Life insurance is a simple and affordable way to answer that question. It allows you to provide peace of mind for yourself and your loved ones. And at PHP Agency, our team of agents have all got your back.

Term Life Insurance
Return-Of-Premium
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No-Medical
Fixed-Indexed Annuity

Fixed Indexed Annuity

59%

of people who don’t own life insurance say they need it.

42%

of Americans would face financial hardship within 6 months if the primary wage-earner were to die unexpectedly.

48%

say they are more likely to buy via simplified underwriting.

Term Life Insurance

Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.

  • Cost effective option for young growing families or individuals looking for more affordable coverage.
  • There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
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Term Life Insurance
Return-Of-Premium

Return-Of-Premium Term

We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.

  • Premium returns can start as early as the second year.
  • Life insurance protection in place if needed and return of premium investments if not.
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Indexed Universal Life Insurance

Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.

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No-Medical

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.

  • Up to $250,000 death benefit.
  • No medical exam or blood work is required.
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Fixed Indexed Annuity

With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.

  • A type of tax-deferred insurance product.
  • Can be structured to provide income for life, acting as another resource for retirement income.
  • Provides protection from market decline with a guaranteed floor.
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Fixed-Indexed Annuity

“What does life insurance do for you?
Peace of Mind. Protection. Planning.”

– Jorge Pelayo, PHP Board Council

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