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Financial Services
Our services focus on: Read More Below
Indexed Universal Life Insurance – a permanent policy like a traditional Universal Life Policy (UL) through its flexible premium and death benefit; however, it also features a higher growth potential through index interest crediting. The owner can choose a percentage of the ash value to invest within specified “indexes” (such as the S&P 500 or Nasdaq 100) to increase the chances of larger returns. The principal cash value can be over-funded, thereby increasing the rate of growth of the principle that can be used for the following:
Retirement planning
Business planning
Working capital
Estate planning
Life emergencies
Tax reduction, and more.
Term Life Insurance – provides coverage for a predetermined amount of time, typically between 1-35 years. Death benefits will be payout if the policy owner passes away within the term of the policy. Cost-effective options 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 issuer 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.
No-Medical-Exam Life Insurance – The simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including [lot and monetary 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 $250,000 death benefit. No medical exam or blood work is required.
Donald Quinine brings with him impressive knowledge of how to help individuals, self-employed entrepreneurs, and small companies with how to leverage an insurance policy to become their own bankers, a tool that large corporations have used for years. Mr. Quinine has over a decade of experience as a Marketing Director and Financial Consultant for People Helping People company (PHP), a National Financial Services Company. He is enthusiastic about educating people about insurance products to manage personal or business finances and for retirement planning. He understands how an Indexed Universal Life (IUL) policy can grow your principal with little to no risk of losing any of your principal funds. Mr. Quinine and Mrs. Quinine sought after by peers and routinely speaks at PHP’s annual conferences regarding his passion for helping others become successful entrepreneurs within the insurance industry. They are eager to show individuals, self-employed and small businesses how to leverage an Indexed Universal Life (IUL), while maintaining liquidly for future use for the purposes of:
· Retirement Planning
· Working Capital
· School, Family, and Life
· Lump Sums
· Business Planning
Click here to learn more: https://youtu.be/-FGg4WBqkAk?feature=shared.
Jesse Quinine brings with her impressive knowledge of how to help individuals, self-employed entrepreneurs, and small companies with how to leverage an insurance policy to become their own bankers, a tool that large corporations have used for years. Mr and Mrs. Jesse Quinine has over a decade of experience as a Marketing Director and Financial Consultant for People Helping People company (PHP), a National Financial Services Company. She is enthusiastic about educating people about insurance products to manage personal or business finances and for retirement planning. She understands how an Indexed Universal Life (IUL) policy can grow your principal with little to no risk of losing any of your principal funds. Mr. Quinine and Mrs. Quinine sought after by peers and routinely speaks at PHP’s annual conferences regarding her passion for helping others become successful entrepreneurs within the insurance industry. She is eager to show individuals, self-employed and small businesses how to leverage an Indexed Universal Life (IUL), while maintaining liquidly for future use for the purposes of:
· Retirement Planning
· Working Capital
· School, Family, and Life
· Lump Sums
· Business Planning
For more information on the financial services, contact Johnnetta Hines.
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