Protect Your Future. Grow Your Wealth. Live Life Unlocked.
Policy Hero Financial Group isn't just life insurance—it's your path to financial freedom, living benefits, and peace of mind. Start early, build your own bank, and secure the future you want—with tools and guidance designed for today's generation.
What Makes Policy Hero Different?
Tax-Free Cash Accumulation
Your policy isn't just a safety net—it's a financial tool. Grow your cash value over time, tax-free, and use it to fund your dreams.
Living Benefits
Access your policy's benefits while you're alive. Cover medical expenses, fund a big life moment, or just have extra cash on hand.
Designed for You
Our policies are flexible, affordable, and built to grow with you as your life and priorities change over time.
Find Your Perfect Coverage
Understanding your insurance needs is the first step to protecting what matters most. Whether you prefer a quick assessment or detailed calculations, we'll help you discover the right coverage for your unique situation.
Quick Quiz
Get personalized recommendations in just 60 seconds
Calculate Needs
Detailed analysis of your coverage requirements
Talk with Policy Hero
Schedule a free consultation with our experts
About Policy Hero Financial Group: You Made Your Money, Now Protect It
You and your friends made your money, now protect it.
Policy Hero Financial Group is a Detroit, Michigan-based life insurance company focused on helping young professionals and entrepreneurs transition from wealth building to wealth protection.
Our mission is simple: provide client education and asset protection planning through innovative insurance instruments. We understand that building wealth is just the first step—protecting and growing that wealth for the long term is where real financial security begins.
We specialize in working with individuals who have achieved financial success and want to ensure their hard-earned money continues to work for them while being protected from life's uncertainties.
Ready to protect the wealth you've built with the right life insurance plan?
Types of Life Insurance Policies
Not all life insurance is created equal. Discover which policy type aligns with your financial goals and lifestyle.
| Feature | Term Life | Whole Life | Indexed Universal Life |
|---|---|---|---|
| Coverage Length | 10, 20, or 30 years | Lifetime | Lifetime |
| Premiums | Fixed | Fixed | Flexible |
| Cash Value Growth | No | Yes (guaranteed) | Yes (market-linked) |
| Tax-Free Withdrawals | No | Yes | Yes |
| Living Benefits | Yes | Yes | Yes |
| Best For | Short-term Goals | Lifelong Security | Growth + Accumulated Upside Potential |
See the Difference Over Time
Illustrated Accumulation
| Policy Type | Year 10 | Year 20 | Year 30 |
|---|---|---|---|
| Whole Life | $15k | $50k | $100k |
| Indexed Universal Life | $20k | $60k | $120k |
| Term Life | No Cash Value | No Cash Value | No Cash Value |
Note: For illustration purposes only. Actual values may vary based on individual circumstances.
Living Benefits: Use Your Policy While You're Alive
Living benefits allow you to access your life insurance policy's benefits while you're still alive. It's like having a financial safety net for life's unexpected moments.
- Medical Expenses: Cover unexpected medical bills or long-term care costs.
- Emergency Fund: Access cash for emergencies like job loss or home repairs.
- Big Life Moments: Fund a wedding, start a business, or take a dream vacation.
Living Benefits Availability
Still Not Sure?
We get it. Life insurance can be complex. Let a friendly Policy Hero agent help you find the perfect plan for your needs.
Trusted & Accredited Business
Policy Hero Financial Group is a BBB Accredited Business, demonstrating our commitment to trust, integrity, and customer satisfaction.
Click to view our BBB Business Profile and customer reviews