PH&L Insurance
Health Insurance Specialists


Passion. Experience. Diligence.

PH&L is an Arkansas based insurance agency serving every county in the state of Arkansas and Missouri. We are a no cost service to our clients, representing reliable health insurance carriers. Our offerings include group health benefits, and  individual/family coverage. With over 15 years experience, we will work diligently to fit products that will accommodate your financial budget while serving your health care needs.


Licensed Sales Agents



Josh Parker

Hailing from Mountain Home, AR.  Josh Parker brings a bit of unabashed Southern hospitality to all his patients. He moved to Fort Smith, AR to work for Arkansas Blue Cross, gaining invaluable experience and knowledge to better serve you.  

When not working to keep his clients happy,  he enjoys golfing, camping, kayaking the Buffalo River and spending time with his wife Kim, and their two children. 



Regional sales manager

Sean Ritchie

From Joplin, MO Sean has a Marketing degree from Missouri Southern State University where he played college baseball.  

When not working to keep his clients happy,  he enjoys fishing, playing music, golfing and spending time with his wife Shanta and their three children.