Your one stop shop for life, health and retirement products

At HLP we have built our agency to prepare our clients for retirement and service them throughout their retirement years. Your safety and security are our #1 priority.

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About Us: Your one stop shop for life, health and retirement products.

We are a family owned and operated business, serving Washington state, including Longview, Wenatchee, Olympia, Spokane and Yakima; we are also licensed for business in Oregon, Montana, Florida and Idaho. We have built our agency to follow our clients from their working years into and throughout retirement. We are your one stop shop for life, health and retirement products, with our specialties in retirement planning, long term care insurance, annuities, life insurance, medicare supplements and IRAs.

We work closely with each of our clients to provide big picture insurance and retirement planning; working with dozens of top insurers to be the most competitive on the market. With well over a century of combined industry experience, we provide a depth of knowledge to assist our clients with their insurance and retirement plans. By shopping the marketplace, our goal is always to find our clients the best deals available.

Our agents service vast areas and are location-independent, allowing us to reach a much wider audience. This means for our clients convenience, we meet at their work, home or at a coffee shop near them.

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Serving the areas of

Longview WA, Wenatchee WA, Spokane WA, Olympia WA and Yakima WA.

Retirement Planning

Our experts can help you determine which options are the best fit for you, so you can protect what you value and have worked so hard to build.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Retirement Planning

Our experts can help you determine which options are the best fit for you, so you can protect what you value and have worked so hard to build.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Greg

After my wife passed away, HLP helped me close her TDAmeritrade account and reinvest the money in a way I was comfortable with. HLP walked me through everything step by step during a very difficult time. I’ve never had better customer service.

Maria

I didn’t know what to do about long-term care before I met Josh. He explained the different options and I picked the option that made the most sense for me. Thank you for your help!

Stewart

HLP was able to explain the difference between variable & index annuities, and to show the pros & cons of each.

Sherry

I found out about Josh and Autumn from my sister. Josh was giving a presentation one evening so we went. A LOT of valuable information. Josh helped me find annuities that would suit my situation. Autumn was always friendly and kept in touch. No surprises or getting me in something I shouldn’t be in for my situation. I felt I was heard. Thank you Autumn and Josh.

Faith

HLP was a big help by explaining a more realistic plan for meeting my possible medical needs in the future. While doing this, they were sensitive to my financial situation.

Karen

My dad has provided long term care for himself and mom - us kids didn’t have to worry. I want that for our children. When I saw your seminar in the paper I knew I needed to go. Thankfully I now have great company who will provide longterm care, no matter what form that takes, as well as a $250k life insurance policy.

Randy

To tell you the truth, I was heading in one direction and HLP called to offer advice. Suffice it to say they changed my mind and I can’t say I’m disappointed. To the contrary, I couldn’t be happier. I now worry about nothing when it comes to retirement.

Chuck

Based on our situation, needs and budget, HLP found the right plan for us with a combination life insurance/long term care policy. They had more choices to offer us than our current insurance agent for those particular needs at a reasonable premium.

Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

Explore how Life Insurance can protect you.

Click on our interactive graphics and learn about your unique risks and the related insurance solutions.

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Featured Testimonial

I found out about HLP from my sister. They were giving a presentation one evening so we went. A LOT of valuable information. They helped me find annuities that would suit my situation. The office staff was always friendly and kept in touch. No surprises or getting me in something I shouldn’t be in for my situation. I felt I was heard. Thank you HLP.

– Sherry

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