Represntative of PHP Agency
PHP Agency

The Brown Legacy Insurance Agency, LLC

Representative of PHP Agency  

Life Insurance

Let us protect you
Retirement Services
Life Insurance Options

We have life insurance policies to meet individual and business needs.  Let us help you find the right protection for the right price.


The Value of Life Insurance

Life insurance is about providing for the people you care about most. It pays them a sum of money you choose and may help protect them from the financial impact of your death.

These funds can help your loved ones pay monthly living expenses, stay in their home and pay off debts, including final expenses. It can also help send a child to college one day, continue a family business or leave a legacy for your favorite charity.


Life insurance may be right for you if…
You want to provide for your loved ones

Your family means the world to you and you want to help make sure they’re taken care of after you’re gone.

You want your family to stay in their home

You want to help ensure your mortgage is paid after you die so your family doesn’t have to move.

If something happens to you, you want to help your kids get a quality education…just the way you planned.

You don’t want to leave your family in debt and with bills to pay. And you don’t want your loved ones to have to pay your final expenses. We offer two basic types of life insurance

Term Life Insurance

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.

Typically, proceeds from a term life insurance policy may be used to cover needs like:
  • Pay off the mortgage on your home
  • Provide an emergency fund
  • Help provide for a child's education fund
  • Pay off personal debts


Permanent Life Insurance

Provides protection that lasts a lifetime or for the life of the policy. It may build cash value that can be used even when you are living.

Typically, permanent insurance is used to cover long-term needs like:
  • Pay for final expenses
  • Provide an ongoing income for your family
  • Supplement retirement income
  • Fund an estate or business continuation plan

We also offer Whole Life Insurance and Universal Life Insurance.
Whole Life Insurance 
Whole life insurance is designed to help protect your loved ones from the financial consequences of your death – now and in the future.
Universal Life Insurance
Universal life insurance is permanent and flexible life insurance protection that lasts a lifetime or the life of the policy.