Heather Alpha
Career Life Agent
I’m Heather Alpha, a proud Louisiana native, now residing in Lafayette, where I’ve been an active and engaged member of the community for the past 17 years. After graduating with honors from H. L. Bourgeois High School in 2000, I embarked on a journey of service by enlisting in the United States Air Force. Though my time was cut short due to an injury, it set the stage for me to pursue new challenges.
Over the last 18 years, I’ve developed and refined my project management skills, learning to tackle complex issues with thoughtful solutions that deliver results. In 2024, I expanded my career by becoming a licensed life insurance agent. This new path has allowed me to combine my professional expertise with my passion for helping people. I take pride in listening closely to my clients’ needs and offering tailored solutions that help them invest in their futures, protect their families, and achieve meaningful financial milestones.
Outside of my professional life, I cherish time with my two wonderful children, who are the heart of everything I do. As a family, we’re deeply involved in our local church, where we find joy in serving others and striving to make a positive impact. As your friend here in Acadiana, I’m committed to providing support and peace of mind when it’s needed most.
Heather’s Specialties
Indexed Universal Life Insurance (IUL)
1) Risk free of market volatility
2) Tax deferred growth with Tax Free Retirement Income at retirement
3) Leverage through equity or collateral loans and you set the terms of repayment
Level Term Life Insurance
Level term is offered in policy periods of 5, 10, 15, 20, 25, and 30-years (some with 35 and 40 years) with level periodic premiums that will stay the same for the entire policy term.
Currently, the most affordable life insurance available, term life insurance is considered temporary life insurance because it is acquired to cover the temporary needs of the applicant. Term life insurance is the least expensive of all types of life insurance because it provides coverage for a fixed period of time (the term) and builds no cash value
Whole Life Insurance
Whole life insurance typically lasts your entire life, as long as you keep up with premiums. It’s the closest thing to “set it and forget it” life insurance you’ll find. In general, your premiums stay the same, you get a guaranteed rate of return on the policy’s cash value, and the death benefit amount doesn’t change.
Annuities
The term “annuity” refers to an insurance contract issued and distributed by financial institutions with the intention of paying out invested funds in a fixed income stream in the future. Investors invest in or purchase annuities with monthly premiums or lump-sum payments. The holding institution issues a stream of payments in the future for a specified period of time or for the remainder of the annuitant’s life. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings.
Rollovers
Most common rollovers are 401K invested monies to an IRA. Rollovers often occur as a way of making money for a specific purpose, such as immediate income from day trading or for saving on taxes, as with retirement plans. A rollover IRA or IRA rollover is a transfer of funds from a retirement account into a traditional IRA or a Roth IRA. As shown by the following examples, the benefits of rollovers vary among different types of investments.
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