PHP INSURANCE

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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 35-year Term Insurance policy that will return your ENTIRE premium if you outlive the term period of your life insurance.

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 growth potential.

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