Protect Your Future Build Your Legacy

Securing your loved ones' financial future with smart, affordable life insurance

Let's create a protection plan that fits your life. Schedule a call to discuss your specific needs and goals.

Our Trusted Partners

Picture this:

You think your finances are solid, so you put off handling a few important details. Then tragedy strikes, leaving your family drowning in a financial nightmare they'll struggle with for years. The worst part? It all could have been prevented by taking just a few minutes to answer some basic questions. That gut-wrenching realization is something I've lived through personally, and it's exactly why I'm passionate about helping others get their financial lives organized before it's too late.

Perfect Policy for You

Life insurance is a financial safety net for your loved ones. You pay a monthly or yearly premium, and in return, the insurance company promises to pay a lump sum (called a death benefit) to the person you choose if you pass away. It’s a way to make sure your family can stay financially secure—no matter what happens.

Term Life Insurance

Term life provides peace of mind when it matters most—covering the years you’re building a life, raising a family, or paying off debt.

  • Guaranteed death benefit for a fixed period3

  • Fixed premium.

  • No cash value.

  • Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured.

  • Initial premiums tend to be lower but will eventually increase.

Whole Life Insurance

Whole life policies are perfect for people who value certainty and want to prioritize protecting their loved ones with a guaranteed death benefit, rather than focusing on building cash value.

  • Guaranteed death benefit3

  • Guaranteed cash value

  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.

  • Level premiums that are guaranteed to never change.

Index Universal Life Insurance

Index universal life insurance works well for people who want both death benefit protection and the potential to build significant cash value that can supplement their retirement income. The cash value growth is tied to market index performance, offering more upside potential than traditional whole life policies.

Keep in mind that if you want to increase your death benefit later, you'll likely need to go through additional health underwriting and approval.

  • Flexible death benefit

  • Flexible premium

  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.4

  • Downside protection through minimum guarantees3 to ensure that your cash value will not decline due to decreases in the Index.

Living Benefits Riders

Access money while you're still alive in case of a major illness or injury.

  • Terminal illness

  • Chronic illness

  • Critical Illness

  • Alzheimer's Disease (not available with all policies)

  • Critical Injury

Annuity

Annuities are a popular retirement planning tool that offer tax-deferred6 growth while you're saving and can provide a steady income stream when you retire. You have flexibility in how you fund them - either with a lump sum payment or by making regular contributions over time. Depending on your needs, you can choose annuities with various time frames to match your retirement timeline.

Wondering how much coverage you really need?

LHP Finances for Your Life Insurance Needs

At LHP Finances, we offer affordable life insurance plans with an easy application process and excellent customer service.

Affordable Insurance Plans

Affordable plans to meet your unique needs.

Simple Application Process

Applying for life insurance has never been easier with our simple and streamlined process.

Customer Service Team

Our dedicated customer service team is always ready to assist you with any questions or concerns.

What Our Clients say!

Read what our clients have to say

Laura with LHP Finances provided me with the peace of mind knowing that my family will be taken care of financially in the event of my passing."

Diana H.

"I've been a customer of LHP Finances for a couple years now and have been impressed with their customer service."

Mike D.

"Laura is the best life insurance broker I've come across. She truly care about her customers and go above and beyond to meet their needs."

Will N.

"LHP Finances has exceeded my expectations in every way. I am extremely satisfied with their services."

Krystal L.

FAQs

Find answers to commonly asked questions about life insurance and LHP Finances' offerings.

What is life insurance?

Life insurance is a contract between an individual and an insurance company, where the individual pays regular premiums in exchange for a lump sum payment to their beneficiaries upon their death.

Who needs life insurance?

Anyone who has dependents or financial obligations should consider life insurance. It provides financial protection and peace of mind to your loved ones in the event of your death.

How much life insurance do I need?

The amount of life insurance you need depends on factors such as your income, debts, and financial goals. It's best to consult with a financial advisor to determine the right coverage for your specific needs.

What are the types of life insurance?

There are different types of life insurance, including term life insurance, whole life insurance, and universal life insurance. Each type has its own features and benefits, so it's important to understand them before making a decision.

How do I apply for life insurance?

To apply for life insurance, you can contact LHP Finances to get a quote and start the application process. It typically involves providing personal and medical information, and may require a medical exam before making a decision.

Get a Free Quote Today

Protect your loved ones with affordable life insurance coverage.

LHP Finances provides reliable life insurance solutions to safeguard your loved ones' financial security. Learn more today.

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