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. Helping you plan for your financial future is 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 focuses 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 professionals can help you determine which options are the best fit for you, so you can help 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.

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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As an independent agency, we offer multiple options at competitive prices.

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