PHP offers the most inexpensive Term insurance on the market.
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.
Premium returns can start as early as the second year.
Protection if you need it and return of all your premiums paid.
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.” LIMRA 2016 Study
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).
A type of permanent life insurance.
You can choose you “index” based on your risk tolerance.
Cash value has tax-deferred growth
Can be paired with a Long Term Care rider.