Life Insurance Options

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 duration

  • Call For A Free Quote
  • 312-379-8600
  • or Click To Have An Agent Call You

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

  • * PHP offers the most inexpensive Term Insurance on the market

Call For A Free Quote
312-379-8600
or Click To Have An Agent Call You

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

Call For A Free Quote
312-379-8600
or Click to Have An Agent Call You

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. 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

  • Call For A Free Quote
  • 312-379-8600
  • or Click To Have An Agent Call You