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.
“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.”
“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!”
“HLP was able to explain the difference between variable & index annuities, and to show the pros & cons of each.”
“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.”
“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.”
“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.”
“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.”
“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.”
Providing for Your Family
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.
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.
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.
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).
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.
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).
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?
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
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.
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
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.
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
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.
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.