— Patrick Bet-David, PHP Agency Founder and Chairman
“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.
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 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).
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.
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.
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.
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.
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