Guidance Today, Freedom Tomorrow, Legacy Forever
Reliable Life Insurance and Retirement Solutions for Peace of Mind at Every Stage
PURPOSE
At HHJ Agency, we believe every family deserves financial clarity, security, and freedom. Whether you're just starting your journey or preparing for retirement, we’re here to guide you with compassion, strategy, and purpose.
Through life insurance solutions, Debt-Free Life strategies, retirement planning, and legacy building, we help you make confident decisions that protect your loved ones and position you for long-term success.
This isn’t just about money it’s about peace of mind, generational wealth, and honoring your vision for the future.
We’re committed to ensuring your values live on, your goals are within reach, and your family is protected today, tomorrow, and for generations to come.
What we offer our clients
Build, Grow and Protect your Family and Legacy with our offered solutions.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Index Universal Life (IUL)
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Infinite Banking
Learn how to create your own family bank using a properly designed whole life insurance policy.
Annuities
Secure guaranteed income in retirement with flexible options that protect your principal.
Debt-Free-Life
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Retirement Planning
Secure your retirement with a custom created plan. We help you build a
risk-free financial roadmap that guarantees you get to enjoy the golden years stress-free instead of worrying about running out of money!
Wealth Management
Our team works with you to manage your existing portfolio and recommend how to use cutting-edge strategies to grow your money risk free and in many cases TAX-FREE. Ready to find out more?
Small Business Solutions
Tired of your bank and the IRS taking your hard-earned money? Our business clients that use us grow their cash value and work towards financial freedom no matter what your existing financial situation.
See What Our Customers Say About Us
If you're looking for an agency that will take care of ALL of your insurance and retirement needs, look no further. This company is the best I have ever used!
I have written several policies with MFS. I'm 100% certain that they have my families best interest at heart! I strongly recommend this agency for anyone looking to protect and provide for your family's legacy!
I've moved all of my retirement investments over to Scott and this company. I'm so thankful that I've found someone that I have full confidence in to provide protection and security for my future.
Frequently Asked Questions
We understand that you may have questions... Let's try to answer some of the BIG ones often asked.
What's the difference between term life and permanent life insurance?
Term Life: Coverage for a set period (10, 20, or 30 years). It's affordable and simple—think of it as renting protection. Once the term expires, you're back at square one unless renewed (often at higher rates).
Permanent Life (like Whole Life or Indexed Universal Life): Coverage for your entire life (or age 100-120, whichever comes first), typically with a cash value growth component. Consider it the difference between renting an apartment and buying a home—you build equity along the way.
How much life insurance coverage should I buy?
The standard industry guideline is typically 8-12 times your annual income. But the best way is to perform a "Needs Analysis," calculating factors like debt, income replacement, education costs, and funeral expenses. Or just enough to ensure your spouse won't sell your prized golf clubs at a garage sale.
We tend to lean on the side of Maximizing your Policy so you can leave a legacy for your loved ones.
Will my beneficiaries have to pay taxes on the life insurance payout?
Life insurance death benefits are typically income-tax-free, making it an efficient financial tool. Uncle Sam doesn't usually crash your funeral looking for his cut, thankfully!
Estate taxes may apply if your estate exceeds certain amounts, but with strategic planning, even this can often be avoided. This is why it's important to work with an agency like ours to ensure the IRS doesn't interfere with your legacy planning.
What exactly is Indexed Universal Life (IUL), and how does it work?
Indexed Universal Life is a permanent life insurance policy combining a death benefit with cash value accumulation tied to a stock market index (like the S&P 500). It’s designed to offer upside potential without exposing you directly to market losses. Think of it as a roller coaster with safety rails—you enjoy the thrills but avoid catastrophic drops.
Upside: You participate in market growth through indexing methods, subject to caps, floors, and participation rates.
Downside Protection: Typically includes a guaranteed minimum interest rate (often 0%), ensuring you don't lose money in down years. Your account value won't suffer if Wall Street takes a nosedive—making it ideal if you're allergic to volatility-induced heartburn.
What is the best time to buy Life Insurance?
The best day to buy life insurance is yesterday. The second-best is today. The worst day? "Too late."
