PHP AGENCY POSTCARD BY MOJISOLA A GBADAMOSI

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 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. 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. It is the least expensive and simplest of all life insurance policies There is no guarantee of renewal when the term ends PHP offers the most inexpensive Term Insurance on the market 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