About Us

ABOUT HS LIFE

One-to-One Guidance for Life's Most Important Decisions

HS LIFE helps individuals and families understand and compare TERM life insurance options with one-to-one guidance from a licensed advisor. IUL education is available for those who are interested.

Find a TERM Plan That Fits My Budget

What We Do

TERM Life Insurance Focus

We help you understand and compare TERM life insurance options to help protect what matters most.

One-to-One Licensed Advisor Guidance

You'll work directly with a licensed advisor who listens, educates, and helps you choose a plan that fits your goals and budget.

IUL Education (Secondary)

We provide clear education on Indexed Universal Life (IUL) for those who are interested, as part of a complete life insurance education.

Our Credentials

California Insurance Producer License

#6017958

HENGSHENG GROUP INC. dba HENGSHENG INSURANCE AGENCY

CA

Licensed New York Life Insurance Agent Beiying Guo

#LA-1949550

Agent licensure allows us to offer products from multiple insurance carriers.

NY

Independent Guidance

We work for you, not an insurance company.

We are not owned by or affiliated with any insurance carrier.

Our role is to educate and compare.

We explain how different policies work and help you compare options so you can make an informed decision.

Products and availability vary by state.

Final rates and coverage are subject to underwriting and the terms of each policy.