You’ve built a life.
Let’s think through
what comes next.
Your home, your insurance, your retirement income.
We help you look at the pieces together, understand where you stand, and decide on your next step.
Leave with a clearer picture.
- Know what you havePut your home, savings, 401(k) and policies in one picture.
- Understand retirement cash flowLook at monthly income and where it may fall short.
- See your next stepsKnow what to address first and what can wait.
No product knowledge needed. No rush to decide.
A home is part of a bigger story.
Real is where
life happens.
Life is what we
build around it.
Life comes from Life Insurance—and connects to the people, responsibilities, income and legacy surrounding that home.
Your property, savings, 401(k), IRA and insurance each have a role. The question is how they work together as your life changes.That is the conversation behind Team Real Life.
Be Clear.
Understand what you have, what it does, and what you still need to learn.
Be Prepared.
Think through important decisions while you have time and choices.
Be Connected.
Consider your home, insurance, retirement income and family responsibilities together.
Start with what’s on your mind.
You don’t need to know a product name.
Start with a question about your life.
You own a home. How does it fit in?
Consider how property fits alongside everyday cash needs and your future retirement.
REAL ESTATE · FAMILY CASH FLOWWhat will pay the bills in retirement?
Look at your accounts and expected income together, alongside the expenses you anticipate.
RETIREMENT INCOME · ANNUITIESDoes your insurance still fit your life?
Review the coverage, costs and details of existing policies in light of today’s family responsibilities.
LIFE INSURANCE · POLICY REVIEWCollege for them. Retirement for you.
Consider education costs and retirement savings together, with clear timelines and priorities.
EDUCATION FUNDING · RETIREMENTWhat do you want to leave your family?
Clarify your assets, beneficiaries and wishes, and identify questions for legal and tax professionals.
FAMILY WEALTH · LEGACYYour business and your family.
Look at income, business responsibilities, household expenses and future retirement in one picture.
BUSINESS OWNER FAMILIESFirst, we listen. Then, we make sense of it.
Listen
Start with what matters to you.
Understand
Learn about your family and goals.
Organize
Bring your existing arrangements together.
Explain
Talk through choices and trade-offs.
Decide
You choose your next step.
Experience. And a real conversation.
Our paths were different, but they brought us to the same purpose:
Make complex topics understandable, and keep the conversation grounded in everyday family life.
Josephine Hsu
REAL ESTATE · FAMILY · WHAT COMES NEXTWith more than a decade in Southern California real estate, Josephine has seen the family decisions behind a home. Her later work in life insurance, annuities, retirement income and legacy extended that perspective to the life a family builds around it.
Larry Lo
CLIENT EDUCATION · RETIREMENT INCOME · INSURANCEA former IT manager at a large corporation, Larry moved into the insurance and financial services industry nearly a decade ago. Through client education and team training, he focuses on organizing information and making complex questions easier to discuss.
What would you like to understand better?
Share your questions and help shape our next seminar.
A little clarity goes a long way.
What should I bring to our first conversation?
Start with one question you want to understand better. Think about your family, the arrangements you already have, and your hopes for the next few years. We can discuss any useful documents after learning more.
Can we talk if I already have insurance?
Yes. We can start with your questions and review your existing arrangements. A review does not necessarily mean replacing or adding a policy.
Can we discuss property, retirement and legacy together?
We can begin by organizing your goals and questions together. Specific legal, tax or other professional matters should then be discussed with the appropriate professionals.
Some of our most-watched videos
Client stories & feedback
Claim stories
What happens to family life when you can’t work?
During cancer treatment, J.R. was unable to work. He and his wife share how living benefits in his policy eased their financial worries so he could focus on recovery.
During treatment, how do you cover rent and care for your children?
While recovering from cancer, Lita received an eviction notice and worried about her six children. She shares how living benefits in her policy eased the pressure of rent and treatment costs, helping her recover and be there for her family.
When your child is ill, can you put work on hold to be there?
Nang’s two-year-old daughter Ellie was diagnosed with leukemia and needed hospital treatment. He shares how living benefits in their policy allowed him and his wife to pause work and focus on caring for her during her hospital stay.
Client feedback
薛森文
“他们进门的时候天还是亮的，离开的时候，外面已经挂着一轮新月”
“已经不只是单纯的服务关系，也慢慢变成了朋友”
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我叫薛森文。2025 年，我和太太到美国旅行，在 10 月底认识了 Josephine 和 Larry。
最初是我太太在小红书上联系到了 Josephine，后来我们约了时间见面。那天 Josephine 和 Larry 一起来到我们的住处。Josephine 很体贴，还带了台湾的调养品给我太太，以及宝宝喜欢的玩具。
我已经记不清那天我们到底聊了几个小时，只记得他们进门的时候天还是亮的，离开的时候，外面已经挂着一轮新月。
整个过程中，我并没有感受到那种“被推销”的不舒服，更多的是像朋友一样，把他们知道的东西认真、耐心地分享给我们。回头来看，有几件事让我印象特别深。
我自己对中国的保险市场和产品比较了解，但一直对美国的保险很好奇。网络上虽然能找到不少资料，但信息很零散，很难真正系统地看懂。
第一次见面，我问了很多关于 IUL 的问题，从保单结构、理赔条件，到不同情境下保单可能出现的变化。我尤其担心的是，如果未来情况发生变化，保单会不会出现失效（lapse）的风险。
Larry 花了很多时间跟我讨论这些技术细节，一遍遍解释、演算，也根据我们家庭的情况讨论不同的设计方式。Josephine 则从家庭整体的角度，帮助我们把很多原本零零散散的信息慢慢串起来。
对我来说，最大的收获不是买了一份什么产品，而是终于真正看懂了很多以前不清楚的事情，也更明白自己为什么要这样做。
他们当时也跟我介绍了 NLG 保单中的生前福利，以及保险在家庭长期安排中可能扮演的不同角色。更让我有启发的是，我们聊到了未来的现金流——人在还有赚钱能力的时候，除了今天的收入，也应该提前想一想，当有一天工作收入减少以后，自己的生活靠什么继续。
这也让我想起《富爸爸穷爸爸》里讲过的一个观念：不要只是一直为钱工作，也要慢慢建立能够为自己工作的资产和现金流。
从第一次见面到现在已经一年左右，Josephine 和 Larry 给我们的感觉一直没有改变：认真、耐心，愿意解释，也愿意花时间回答问题。
现在我们之间已经不只是单纯的服务关系，也慢慢变成了朋友。中国和美国有很长的时差，但每次有问题找他们，总能得到认真、清楚的回复。
我很珍惜这段缘分，也很感谢这一年里他们给我们家庭的帮助。
Yoyo Yang
“把每件事都解释得清清楚楚”
“从来不催我、也不给我压力”
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我的寿险是找 Larry 和 Josephine 在 National Life Group 办的，整个体验非常好。从第一次沟通开始，他们就花时间把每件事都解释得清清楚楚，确保我明白自己的选项，从来不催我、也不给我压力。整个流程顺利又轻松。如果你想找专业又贴心的保险经纪人，一定要联系 Larry 和 Josephine！☀️☀️🫡
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Introduce a friend
Share peace of mind with someone you care about. If a friend is thinking about retirement, insurance or family finances, we’d welcome an introduction.
After your friend completes a consultation, we’ll give you a $10 gift card to thank you for the introduction. Your friend does not need to purchase anything; the gift is not tied to a sale.
Enjoy helping people understand?
If client education and working with a team interest you, let’s get acquainted.
Start with one thing
that matters to you.
You don’t need every document ready.
Your home, insurance, retirement or family’s future—
tell us what you’re thinking about.
Contact Josephine
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