Our story
Our story began with a simple yet powerful mission - to provide peace of mind and security to families and individuals. Perhaps it started when we saw firsthand how a lack of proper coverage could lead to hardship, or when a person experienced the positive impact of having the right plan in place. This experience ignited our compassion to help others navigate the complexities of insurance, ensuring that on one would face these challenges alone.
Our History
With honesty, compassion, trust, and loyalty as our guiding values, we have built a business that truly cares. Prosperity Heritage has made it our goal to offer comprehensive services - from Term Life and IUL's to Annuities, Health Insurance, Dental, Vision, and Final Expenses - because we understand that every client's needs are unique. For us, this isn't just about policies: it's about protecting futures and building relationships founded on trust and care.
About us
When passion meets precision
Caring
"The simplest act of kindness is worth more than the grandest intention." - Helping a family navigate the complexities of insurance options to find coverage that truly protects their future, showing genuine care for their well-being.
Rooted in quality, integrity and compassion
"Be kind, for everyone you meet is fighting a battle you know nothing about." - Supporting a family who has faced financial and emotional challenges due to lack of insurance, helping them navigate options to secure coverage that safeguards their future, and empathizing with their journey every step of the way.
Ultimate Act of Love
"Planning ahead is the ultimate act of love - it ensures peace of mind for those we leave behind." helping a family select a final expense insurance plan that covers funeral costs, ensuring their loved ones aren't burdened by unexpected financial strain during an already emotional time.
Memories
"The right protection today paves the way for cherished memories tomorrow." By securing comprehensive family insurance, parents can focus on creating lifelong memories, like taking their kids ton that dream vacation, without worrying about unexpected financial hurdles.
Services
Basic
5 Things to Know About Basic Life, Whole Life & IUL Insurance
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🛡️ Basic Life Insurance = Simple Coverage
Often offered through employers, basic life provides a flat death benefit (e.g., $50k–$100k). It’s a great starting point but usually not enough for long-term needs. -
📆 Whole Life Builds Guaranteed Cash Value
Whole life offers lifelong coverage and fixed premiums. It builds cash value over time you can borrow against for emergencies or college costs. -
📈 Indexed Universal Life (IUL) = Flexible Growth Potential
IUL combines lifelong coverage with the chance to grow cash value tied to a market index (like the S&P 500)—without direct market risk. -
💵 Whole Life vs. IUL: Cash Value Differences
Whole life earns predictable interest, while IUL offers variable returns based on index performance. IUL policies often include caps and participation rates. -
🧠 Know What Fits Your Needs
Each type serves a different goal: Basic life is supplemental, Whole life builds legacy & cash value, IUL offers flexibility and higher growth potential over time.
College
5 Things to Know About Student Health Insurance
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🏫 Colleges Often Offer Their Own Health Plans
Many universities include a health insurance plan with tuition. You can usually opt out—but only by submitting proof of alternate coverage each year. -
👪 Students Can Stay on a Parent’s Plan Until Age 26
Thanks to the Affordable Care Act, students can remain insured under a parent’s plan up to age 26. Make sure in-network providers are near campus. -
💊 Understand What the School’s Insurance Covers
Campus health plans may include on-site services, mental health support, prescriptions, and more. Check the fine print! -
🗂️ Inform Your Insurance Agent If Your Child Enrolls in College
Let your provider know about the student’s new location to ensure smooth coordination. -
❤️ Pre-existing Conditions Matter
For chronic health issues, staying on a parent’s plan might provide better protection.
Business
5 Things to Know About Business Insurance
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🏢 It’s Not One-Size-Fits-All
Every business has unique risks. A boutique bakery might need different coverage than a tech startup. Tailor your policy to your industry and size. -
📜 General Liability Is Just the Start
General liability protects against lawsuits for injury or property damage—but you may also need workers’ comp, professional liability, or product coverage. -
💼 Key Person Insurance Protects Your Leadership
If a founder or crucial team member can’t work due to illness or death, key person insurance can help stabilize your business finances and operations. -
🔄 Review Policies Annually
As your business evolves, so do your risks. Update coverage for new locations, equipment, or hires—especially if your revenue model shifts. -
🛡️ Bundling Can Save You Money
Many carriers offer Business Owner Policies (BOPs), bundling property and liability insurance at a reduced rate—ideal for small business owners.
Final Expense
5 Things to Know About Final Expense Insurance
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⚰️ It Covers More Than Funeral Costs
Final expense insurance helps pay for medical bills, legal fees, and lingering debts—not just burial expenses. -
📄 Easy Application & No Medical Exams
Most policies are simplified issue or guaranteed issue, meaning approval is fast with minimal or no health screenings. -
👨👩👧 Financial Relief for Loved Ones
It ensures your family isn’t burdened by unexpected costs during an emotionally difficult time. -
💵 Affordable, Fixed Premiums
Policies often come with lifetime level premiums—making it easier to plan ahead without financial strain. -
🔍 Available for Seniors & Those with Health Issues
Even individuals with pre-existing conditions can qualify. Coverage typically ranges from $2,000 to $25,000.
Some of the Insurance Carriers We Work With
At Prosperity Heritage Group LLC, we partner with top-rated insurance providers to offer comprehensive coverage tailored to your needs. Explore our trusted carriers and find the right plan for you.
📜 Life Insurance & Final Expense
Ensure financial security and peace of mind with leading carriers: ✔️ Americo – Simplified issue life insurance & final expense policies ✔️ AIG (Corebridge) – Term, universal, and whole life options ✔️ Foresters – Member benefits & flexible coverage solutions ✔️ Gerber – Child life insurance & final expense plans ✔️ Mutual of Omaha – Comprehensive life insurance and senior solutions ✔️ SBLI – Affordable term life insurance ✔️ United Home Life – No medical exam life insurance ✔️ Ameritas – Term, whole, and universal life insurance with living benefits
🩺 Health & Medicare Solutions
Quality healthcare coverage from trusted providers: ✔️ Aflac – Supplemental health, accident, and disability coverage ✔️ Cigna – Individual, Medicare Advantage & Medicaid plans ✔️ Aetna – Comprehensive healthcare solutions ✔️ Humana – Medicare Advantage & Medicaid options ✔️ Wellabe/Medico Dental – Dental & Medicare supplement insurance
📈 Annuities & Financial Growth
Build lasting financial security with these providers: ✔️ F&G – Fixed & indexed annuities for retirement planning ✔️ National Care – Annuities & financial protection solutions ✔️ Guaranteed Trust Life – Life insurance with financial benefits ✔️ Allstate – Investment strategies & wealth management ✔️ Ameritas – Annuities & financial strategies for long-term security
🎯 Ready to secure your future? Click below to explore your options and get started today!