Lion Hearted Movement helps individuals and families understand their financial options, protect the people they love, and prepare for the future with confidence.
We help families look beyond a single product and understand how protection, retirement, debt and financial education can work together.
Understand your coverage needs and explore protection strategies built around the people and responsibilities that matter most.
Learn strategies to help you prepare, accumulate assets and plan more intentionally.
Explore retirement →Qualifying clients can access help through our partner, Mediator Debt Solutions.
Explore debt solutions →Practical concepts and calculators to help you make more informed decisions, without the jargon.
Financial decisions should start with understanding your situation, not immediately choosing a product.
We start with your family, goals, current financial picture and concerns.
We explain the concepts and available strategies so you can make an informed decision.
When appropriate, we help you take the next step toward the solution that fits your needs.
For insurance and retirement clients who need additional help with qualifying debt, LHM provides access to debt-resolution resources through our partnership with Mediator Debt Solutions.
Opens Mediator Debt Solutions’ short intake form. Mediator Debt Solutions connects you with licensed third-party debt relief providers and does not provide debt relief services itself. Programs are available in select states, fees vary by location and results are not guaranteed. Debt settlement can hurt your credit and may lead to collections or lawsuits.
We start by learning about your family, goals and current coverage. Then we explain your options in plain language, and only when it makes sense do we help you take a next step. There is no obligation to buy anything.
No. Booking a consultation or taking the coverage quiz is free.
Start with the 401(k) finder. It walks you through where to look, including your former employers’ plan administrators and the U.S. Department of Labor’s Retirement Savings Lost and Found database, and gives you a checklist you can print.
Mediator Debt Solutions is a California-based company, and an independent partner of LHM Agency and PHP, that connects people with licensed third-party debt relief providers. It works with unsecured debt like credit cards, medical bills and student loans. LHM Agency doesn’t provide debt relief services. We introduce you to our partner. See the Debt solutions section on the Services page for how the program works and what to know before enrolling.
No. Our licensing coordinator helps new agents choose a licensing path and stay on track through study, the state exam and appointments. Earnings depend on individual effort and are not guaranteed.
LHM develops licensed professionals who want to learn financial concepts, grow their business skills and help families make more informed financial decisions.
Start with a conversation. We’ll help you better understand where you are, what you may need and what options are available.
Four quick questions, then your details. No product pitch, just a clearer picture of what to cover.
Simple calculators and plain-language money basics. They are for education only, a starting point for a better conversation.
A quick way to estimate how long it may take money to double: divide 72 by the yearly rate of return. At 8%, that’s about 9 years.
Rough estimate for education only. It is not a projection or a promise of returns.
DIME is a common starting formula: Debt, Income, Mortgage and Education. Enter your numbers to see a rough total.
Leave anything blank that doesn’t apply.
Enter your numbers to see an estimate.
A simple estimate for education only. It does not account for taxes, inflation, investment returns, existing benefits or your full situation, and it is not a recommendation or quote.
Understand foundational concepts around how money can be positioned and how risk can differ.
Learn more →Term covers a set number of years at a lower cost. Permanent lasts for life and can build cash value, at a higher cost.
Compare the types →Protection for your family, a plan for your retirement, and a path through debt.
Life insurance is a contract. You pay premiums to an insurance company, and in exchange it pays a lump sum to your chosen beneficiaries when you pass away. That money can cover funeral costs, outstanding debts and everyday living expenses.
Living benefits let you use part of your life insurance death benefit early, if you meet certain conditions, instead of waiting for a claim to be paid to your beneficiaries after you pass away. That can help you pay for care, treatment or everyday expenses when it matters most.
May apply if you can’t do certain basic daily activities on your own, such as eating, bathing, dressing, moving around, using the toilet or staying continent, or if you have a severe cognitive impairment.
May apply when a doctor certifies that you have a limited life expectancy. The time frame is often 12 to 24 months, depending on the carrier.
May apply after a diagnosis of a specific serious condition, such as a stroke, heart attack, invasive cancer, kidney failure, organ transplant or paralysis. The list of qualifying conditions varies by carrier.
Most of the carriers we work with include living benefits at no additional cost, based on approval. Ask us which options include them and what each one covers.
Living benefits are accelerated death benefits. Availability, qualifying conditions, time frames and terms vary by carrier, policy and state, and all benefits are subject to approval. Using a living benefit reduces the death benefit paid to your beneficiaries and may have tax consequences or affect eligibility for government benefits, so talk with a tax professional. Living benefits are not a substitute for health insurance or long-term care insurance.
*Cash value availability and growth vary by policy type and carrier. Loans and withdrawals can reduce the death benefit and may have tax consequences. Premiums, features and availability depend on your age, health and state.
Whether you have an old 401(k) sitting at a past employer or you’re deciding how to turn savings into income, we walk through each option and what it means for taxes, access and risk.
An annuity is a contract with an insurance company that can provide guaranteed income later in exchange for a deposit now. Features, fees, surrender periods and guarantees differ by product, so we compare them side by side with you.
Annuity guarantees are backed by the claims-paying ability of the issuing insurer. Annuities are not bank deposits and are not FDIC-insured.
If debt is weighing on your finances, you don’t have to sort it out alone. LHM Agency and PHP partner with Mediator Debt Solutions, a California-based company that connects people with licensed third-party debt relief providers.
Who they are: Mediator Debt Solutions works with people dealing with unsecured debt such as credit cards, medical bills and student loans. The programs it connects people with are built around debt settlement, where a provider negotiates with your creditors to try to lower what you owe. LHM Agency doesn’t provide debt relief itself. We introduce you to our partner.
Programs generally last between 12 and 48 months, depending on your debt and circumstances.
Mediator Debt Solutions is an independent partner of LHM Agency and PHP. It connects consumers with licensed third-party debt relief providers and does not provide debt relief services itself. Programs are available in select states.
Most people change jobs several times. Each move can leave a retirement account behind. Answer a few questions and get a checklist for tracking yours down.
Both are U.S. government websites. Searching them is the fastest way to see whether an old plan is out there.
The U.S. Department of Labor’s database of private-employer and union retirement plans linked to your Social Security number. You’ll verify your identity through Login.gov first.
The Pension Benefit Guaranty Corporation holds benefits for people who weren’t paid when a private-sector plan ended. You’ll enter your last name and the last four digits of your Social Security number.
LHM Agency is not affiliated with either agency. Enter personal information only on the official sites linked here, and be cautious of anyone who asks you to pay to find your retirement benefits.
LHM Agency does not hold your funds. Rollovers can have tax consequences, and we don’t provide tax or legal advice. Speak with a qualified tax professional about your situation.
We help families protect their finances and help ambitious people build a business of their own, with education at the center of both.
LHM Agency is an insurance agency based in the Chicagoland area and operating as a PHP Agency base shop. We serve clients across the country and in Puerto Rico. Our licensed professionals help clients with life insurance, retirement planning and debt solutions, and our leadership team trains new agents to do the same.
We believe people make better money decisions when they understand them. That’s why every consultation starts with explaining the options, and why we teach financial concepts in classrooms and on calls, not just at the kitchen table.
Roles across the agency and what each one does for you.
Leads training, team calls and the financial education we share with clients and classrooms.
Helps new agents choose a licensing path and stay on track from study to exam to appointment.
Keeps scheduling, applications and client follow-up moving.
Get licensed and build an additional stream of income by helping families secure their finances, with training and a team behind you.
Learn business-building skills from agency owners who have built teams of their own.
A licensing coordinator guides you through pre-licensing, the state exam and carrier appointments.
Product training, scripts, recorded sessions and regular team calls so you’re never starting from scratch.
Tell us a little about yourself. A member of our team will reach out to talk through licensing and what the first 90 days look like.
Income disclaimer: Earnings in the insurance industry depend on licensing, individual effort, market conditions and other factors. There is no guarantee of income, and results are not typical.
Tell us a little about yourself to start the conversation.
Trouble loading the form? Open the agent-interest form.
Pick a time that works or send a message. We’ll answer your questions and explain your options with no pressure.
Based in the Chicagoland area, serving clients across the country and in Puerto Rico.
Training, tools, and the next steps for your business.
Enter the team password to open the LHM Agent Hub.
New to LHM? Begin with Start Here & Onboarding. Return here for team resources and updates.
Your first steps with LHM.
Resources will appear here as they are added.
Prepare for licensing and business setup.
Resources will appear here as they are added.
Learn, practice, and revisit team training.
Resources will appear here as they are added.
Resources to support your daily activity.
Resources will appear here as they are added.
Quick access to your approved business tools.
Resources will appear here as they are added.
Explore our featured LHM event for dates, details, and registration.
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