PHP is proud to offer a prestigious selection of financial services products from some of the world’s leading insurance providers.

“Our goal is to bring back hope and educate the families we serve.”

— Patrick Bet-David, PHP Agency Founder and Chairman

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Life Insurance Infographic PHP Agency

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.

  • Premium returns can start as early as the second year
  • Protection if you need it and a return of all your premiums paid if no death occurs
  • Up to 17-year durations

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 your “index” based on your risk tolerance
  • Cash value has tax-deferred growth
  • Can be paired with a Long Term Care rider

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.

  • Up to $250K death benefit
  • No medical exam or blood work is required

In Their Own Words


What is an Annuity?

A life annuity is a financial contract, issued by a life insurance company, designed to provide payments to the holder at specified intervals, usually after retirement.

  • Guaranteed principal
  • Death benefit
  • Offers tax deferred retirement income
  • Can be structured to give you income for the rest of your life

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.

  • Offers tax-deferred, retirement income
  • For investors who seek protection of capital
  • Can be structured to give you income for the rest of your life

Debt Settlement

If you’ve maxed out your credit cards and are getting deeper in debt, chances are you’re feeling overwhelmed. How are you ever going to pay down the debt? This is where Debt Settlement comes in – PHP-approved partners that will negotiate with your creditors to allow you to pay a “settlement” to resolve your debt. The settlement is another word for a lump sum that’s less than the full amount you owe.

  • Best for persons with $30,000 or more in debt

Our Product Providers

PHP has established strong relationships with some of the best known companies in the financial industry. This allows our agents to provide families with the best options to meet their needs. Have you heard of any of these companies?

  • MediatorLG_Lgo

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What are your options? Please fill out the form below and
we will connect you with an office and agent near you. All appointments and consultations are free.

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Personal Finance Tools


Find out how much Life Insurance you need with this handy Tool

See how far your income will take you with this Inflation Calculator

Are your savings working for you or against you? Try this Compound Interest Calculator

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