Our Protection
Everything a family needs, under one shield.
From life and health to mortgage, legal, retirement, and tax — explore the full range of solutions Heritage helps families access.
Our Protection
Six pillars. One shield around your family.
Retirement Planning
A future without compromise.
Build a retirement strategy engineered for certainty. We design tax-advantaged income streams, annuities, and 401(k)/IRA rollovers so your golden years are funded on your terms — never the market's.
- Guaranteed lifetime income
- IRA & 401(k) rollovers
- Tax-efficient distribution
- Legacy & estate alignment
Life Insurance
Love, made permanent.
We help clients explore a full range of life insurance built to replace income, cover final expenses, and leave a tax-free legacy for the people who matter most.
- Term & whole life
- Universal & indexed universal life
- Final-expense & children's plans
- Income replacement & legacy
Health Insurance
Care that never waits.
Private health insurance, Marketplace coverage, dental and vision plans, plus Medicaid and CHIP application guidance — matched to your household, income, and state.
- Private & Marketplace plans
- Dental & vision
- Medicaid & CHIP guidance
- Family & individual coverage
Mortgage Protection
Keep the front door.
Coverage that may help your family continue making mortgage payments, reduce household debt, and keep their home if a covered loved one passes away.
- Mortgage payoff benefit
- Disability & job-loss riders
- Return-of-premium
- Any lender accepted
Legal Services
Powered by LegalShield.
Affordable legal service memberships powered by LegalShield — giving families and businesses access to attorneys for everyday and unexpected legal needs.
- Legal consultations & letters
- Wills & Power of Attorney
- Identity-theft protection
- Small-business legal support
Tax Services
Keep more of what you earn.
Tax filing, preparation, and year-round planning for individuals, families, and small businesses — helping you stay compliant and maximize every eligible benefit.
- Personal & business returns
- Proactive tax planning
- Maximized deductions
- IRS filing & support
Life Insurance options
We help clients explore a full spectrum of life insurance designed to replace income, cover final expenses, and leave a tax-advantaged legacy for the people who matter most.
Term Life Insurance
Affordable coverage for a set period to protect income during your family's most vulnerable years.
Whole Life Insurance
Permanent, lifelong protection with guaranteed cash value that grows over time.
Universal Life Insurance
Flexible permanent coverage that lets you adjust premiums and death benefit as life changes.
Indexed Universal Life (IUL)
Permanent protection with cash-value growth linked to market indexes — with downside protection.
Final-Expense Coverage
Smaller, simplified policies designed to cover funeral and burial costs so loved ones aren't burdened.
Children's Life Insurance
Lock in low rates and insurability for your children while building cash value for their future.
Income-Replacement Protection
Coverage sized to replace lost income and keep your household running if the unexpected happens.
Legacy Planning
Strategies designed to help families leave a tax-advantaged financial legacy for the next generation.
Legal Services, powered by LegalShield.
Heritage offers affordable legal service memberships powered by LegalShield. Depending on the plan and location, these memberships may provide access to attorneys for everyday personal, family, and business matters — plus identity-theft protection and more.