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Every day, we wake up and step into our normal routine. Fate will step in one day, we just don’t know which day. On that day, life insurance stands in the gap for individuals and families who need it.



“Term” is a life insurance policy that provides coverage for a predetermined amount of time. Benefits are gained if the policy owner passes away in a predetermined time frame, typically 10,15,20 or 30 years.


This simple, affordable life insurance is designed to cover expenses like medical bills and funeral costs (including plot and mortuary expenses) and can help protect your loved ones from future financial burdens. This provides permanent life insurance coverage with flexibility and long-term grown potential.



Indexed Universal Life Insurance is a form of permanent life insurance. It’s an insurance policy where the benefit is assured to be paid upon your death (assuming the policy is kept current). Also, unlike Term insurance, the policy can accrue a cash value within specified “indexes” (such as the S&P 500 or Nasdaq 100).


This is a special class of annuities offered by PHP that yields returns on your contributions based on a specific equity-based “index,” such as the S&P 500. With an Indexed Annuity there is a guaranteed minimum return, so even if the stock index does poorly, the holder will not lose any part of his investment. Conversely, the yields will be somewhat lower due to caps and fee-related deductions.

MSM Mission Works Agents

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Malwante R. Stewart

Director of Expansion/Agent

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