Plan With Phil

My name is Phillip Chin and I started my career in the insurance business about 11 years ago. I was extremely thrilled when I initially had this idea of creating a website that can be different and very simple. The main goal is to help educated people about the importance of life insurance from the touch of their fingertips.

We have an in-depth calculator to determine the amount you need or if you have an amount in mind already, just input it into the quote system. Apply online in a matter of seconds! You can start the application if you choose to and we can help you along the way if you get stuck in the process.

The first is the financial strength rating represented by an alphabetical range between A++ and E. When providing this rating AM Best completes a comprehensive quantitative and qualitative analysis of a company's balance sheet strength, operating performance and business profile.AM Best has worked hard to provide an independent evaluation of an insurance carriers operations and we still rely on their ratings.

If you find yourself intimidated by the ever-rising price of higher education, then a 529 college savings plan might be a key component in saving for a college education. A 529 college savings plan is a tax-advantaged way to save for college and pay for higher education expenses. Unlike some other savings vehicles, a 529 college savings plan may allow you to make sizeable contributions.

An individual disability income insurance policy can help supplement your group long term disability benefits and protect a larger portion of your income. This, in turn, provides a fundamental layer of security for your financial future.

An individual disability income insurance policy you purchase on your own is fully portable, meaning you won't have to worry about losing coverage if you change jobs, and the benefits paid are tax free if you are the premium payor1.

The need for long term care can happen to anyone at any time, and it may result from being chronically ill or having a cognitive impairment. However, something as unexpected as an accident or injury could also trigger the need. For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging.