About
Financial Protection Begins at PHP
Real Clients. Real Stories.
A Living Benefits Testimony
A Legacy Left Behind
The Power of Annuities
we help businesses build more business
People Helping Peopl is a member of Black Network Associates (BNA) a culturally-relevant community and economic development non-profit for Black-owned, -operated, and -oriented establishments throughout the United States. By empowering Black enterprise, public service organizations and affinity groups, BNA fulfills its mission of "all pulling together and in the same direction" to engage in the practice of sustained economics.
The primary goal of practicing group economics or PowerNomics is to draw wealth, income and resources into black communities and make them economically self sufficient and competitive.
What We Do
Our Services
Term Life Insurance
Term life insurance provides coverage for a predetermined amount of time, typically between 1 – 35 years. Death benefit will payout if the policy owner passes away within the term of the policy.
- Cost effective option for young growing families or individuals looking for more affordable coverage.
- There is no guarantee of renewal when the term ends; however, certain term policies may allow for an option to renew.
Return-Of-Premium Term
We offer a compelling Return of Premium (ROP) term insurance policy which returns all contributed premiums if the insured outlives the term period.
- Premium returns can start as early as the second year.
- Life insurance protection in place if needed, and return of premium investments if not.
Indexed Universal Life Insurance
Indexed Universal Life (IUL) is a permanent policy similar to a traditional UL policy through its flexibility of premium and death benefit; however, it also features a higher growth potential through index interest crediting. The policy owner has the ability to choose a percentage of the cash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns.
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 grown potential.
- Up to $250,000 death benefit.
- No medical exam or blood work is required.
Fixed Indexed Annuity
With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to IULs. As with IULs, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.
- A type of tax-deferred insurance product.
- Can be structured to provide income for life, acting as another resource for retirement income.
- Provides protection from market decline with a guaranteed floor.