Financial Protection Begins at PHP

Meosha Culpepper is your life insurance coach at PHP, with several years as an industry leader in the field of Life Insurance. She has helped many individuals and families guide through the complex world of Life Insurance. Your journey to financial peace of mind starts NOW!

Real Clients. Real Stories.

A Living Benefits Testimony

A Legacy Left Behind

The Power of Annuities





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WE MAKE peace of mind

You want to provide your family with financial protection and peace of mind. Whether you’re looking to provide for your loved ones, plan your retirement, build your wealth, or financial position, we can help.

The first step is understanding your specific needs and it starts with counseling and consultation. It helps us to guide you on the right path to protecting your self and family.

You may ask why training and orientation is a big part of the process. It makes it more valuable when people understand the process, and components of life insurance. Being an active participant is what makes all the difference.


You don't have to have a formal education in understanding life insurance products, but it helps to be informed. One thing we can count on is that life will change and so will your needs in the future. These life events may trigger a change in life insurance, and you will be prepared with the right education.


You are never alone in the pursuit of financial security. Here at PHP, we stand for People Helping People. We are an integrity company and you are the focus of our company. Our goal is to help you, whether you need questions answered, insurance guidance and education, or someone to talk to, we're here.

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

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Term Life Insurance
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Return of Premium Term
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Indexed Universal Life
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No Medical Exam Life
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Fixed Indexed Annuity

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.

Frequently Asked Questions

Why is financial advice important?

There are few things in life as important as planning and providing for you and your family’s financial future. Working with a financial advisor can help you take advantage of opportunities and avoid costly mistakes. And people who work with a financial advisor and have a written financial plan say they feel more confident about the future.

How will a financial advisor help me?

Saving for important personal financial goals can be overwhelming — even during the best times. Objective, expert advice can help you prioritize and add clarity to chart out your best course of action. What's more, a financial advisor can work with you to develop a holistic plan that can help guide you through different market conditions and life events.

Why PHP?

Quite simply, we offer you more than a decade and a half of proven financial experience and expertise. Whether you need a bit of investment guidance, help making sense of your life insurance options, insights on educational or retirement saving, or a fully-developed financial plan, we’re here for you. And we’re always happy to meet with you at your convenience.
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