Holistic Insurance Solutions
We provide a full range of insurance solutions built to meet you where you are: from income protection and cash-value accumulation to succession and legacy planning.
As an independent brokerage, we have access to top-rated carriers and the freedom to build strategies that are competitive, flexible, and designed around your goals. Our approach is direct and comprehensive, helping you understand how each piece of your plan fits into a complete financial picture.
We’re not here to sell products. We’re here to bring clarity — and to show how properly structured insurance can serve as one of the most effective tools for long-term security.
Term Life
Pure protection for a defined period — ideal for young families, mortgage coverage, or temporary financial obligations.
Simple, affordable, and effective coverage designed to safeguard income and stability during your peak earning years.
Whole Life Insurance
Whole Life insurance provides permanent protection with guaranteed cash value growth and lifetime level premiums.
It builds long-term equity you can access through loans or withdrawals, combining stability, liquidity, and legacy planning in one policy.
Guaranteed Universal Life (GUL)
Permanent protection with fixed premiums and a guaranteed death benefit—typically at a lower cost than Whole Life insurance.
It’s built for long-term security, focusing on guaranteed coverage rather than cash value accumulation.
Indexed Universal Life (IUL)
Flexible permanent coverage designed to build long-term value. Its cash accumulation is linked to market indices, allowing you to capture upside potential while maintaining protection from market downturns. Over time, it provides a balance of growth opportunity and security — with tax-advantaged access to funds that can support future goals, supplement retirement income, or provide liquidity when it’s needed most.
Hybrid IUL/LTC
Hybrid Indexed Universal Life (IUL) offers flexible permanent protection that combines market-linked growth potential with built-in long-term care benefits. Its cash value accumulation is tied to market indices, providing upside opportunity with downside protection. This integrated design helps you grow wealth, safeguard your future care needs, and preserve your legacy — all within a tax-advantaged, adaptable policy that evolves with your life.
Fixed Annuity
A Fixed Annuity provides guaranteed growth and steady income through a secure, contract-based design. It offers principal protection, predictable returns, and the confidence of knowing your money won’t be affected by market swings.
Disability Insurance
Disability insurance protects your most valuable asset — your income.
Whether personal or business, it replaces lost earnings if illness or injury prevents you from working, helping sustain your lifestyle, meet obligations, and keep operations running during recovery.
Business Continuity Planning
Business continuity planning ensures your company can operate smoothly if an owner or key employee is lost, disabled, or ready to retire.
Through strategies like buy-sell funding, key person coverage, and succession design, it helps preserve business value, protect partners, and provide financial stability through every transition.
Legacy Planning
Your life’s work deserves lasting impact. Plan with purpose to protect loved ones and continue your story beyond a lifetime.
Protection isn't a product—it's a strategy
Have questions about your insurance strategy? We’re here to help. Whether you’re just beginning to explore your options or ready to implement a comprehensive protection plan, Harbour Life Agency provides the guidance and expertise you need.
Harbour Life Agency LLC | Protect. Grow. Live Intentionally | Independent insurance brokerage serving families and business owners with comprehensive protection strategies. www.harbourlifeagency.com | info@harbourlifeagency.com