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We offer the following types of insurance products for
your family's insurance needs:

 
 
     Life Insurance  
 

Term Life: Level term plans with 5, 10, and 20 year guarantees.  
  Decreasing Term: To help pay off your home mortgage.  
  Annual Renewal Term: For short term, immediate needs.  
  Universal Life: Flexible secure with money market interest rates.  
  Traditional Whole Life: Guaranteed interest on your cash values.  
  Variable Life: For the sophisticated investor.  
  Second to Die: An excellent survivor policy for estate planning issues.  
         
     Annuities  
  Tax Sheltered Annuities, immediate, deferred or indexed annuity.  
         
     Long Term Care  
  Disability and Income Buyout Plans  
  Individual and Group Health  
         
 
     
   
 

 
     
 

TAKE ME TO (Click on selection)

Life Insurance

Health Insurance

 
     
 
Life Insurance

Life insurance today has become a financial tool that is a necessary part of families and business's alike.  Our PHD Protection Team will be happy to discuss your a Life Insurance portfolio and the many programs available to assist you and your family in accomplishing your financial goals. 
 
Let's look at the basics...

Do I Need Insurance?

How much do I need?

What are the different types of Insurance?

How should I choose what type of life insurance to buy?

What is a beneficiary?    

 
     
 

TYPES OF LIFE INSURANCE

 

Term

 

Permanent

What are the types of Term Insurance policies?

What are the different types of permanent insurance policies?

 

 

Why should I purchase permanent insurance?
 

 

 

 

SPECIAL BUYING SITUATIONS

What is "Burial Insurance"?

Should I buy life insurance on my child's life?

Do "Empty Nesters" need life insurance?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

KEEPING YOUR LIFE INSURANCE CURRENT

How should I organize and store my life insurance records?

How should I review my insurance policy?

 

Complimentary Life Insurance organizer Click Here

 

 

 

 

 
     
 

Contact Information

 
     
 
Health Insurance
 
The rising cost of medical care and the resulting pressure on health insurance premiums makes health insurance top priority if you want to have your health expenses covered at a reasonable cost. The current health insurance system is quite complex and constantly changing.
 
The information below may help answer your questions:
 

What kinds of health insurance are there?

How do I pick a health plan?

Can I buy an individual policy?

If I change jobs or become unemployed, can I bring my coverage with me?

Where can I get more information regarding health insurance?    

 
     
 

Contact Information

 


 

 

PHD Insurance Brokers offers the following coverage's and More!
Auto Insurance, Home Insurance, Health Insurance, Life Insurance, Boat & Personal Watercraft Insurance, Motorcycle Insurance, ATV Insurance, Commercial Insurance, Business Insurance, Financial Services.

TOLL FREE - 800-640-4743
License #0462338

 
 

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