Home - HOWffers

⛪ Financial Strategies for Ministry Leaders through our Pastor Protection Plan

Help protect your pastor, strengthen your ministry, and plan wisely for the future.
Our stewardship advisors work with churches and ministry leaders to design customized financial strategies that support long-term stability, retirement planning, and pastoral care.

Discover more details about our Pastor Protection Plan.

What You Get

Guidance tailored specifically for pastors and ministry leaders
Key Person planning strategies designed to help protect your church
Access to retirement planning options, including 403(b)(9) strategies
Opportunities to explore life insurance, premium financing, and Biblically Responsible investing
Pastor and employee benefit solutions—even for smaller churches

Getting Started

To get connected with a stewardship advisor who can design a plan for you, click the Access button below and complete the form.

An experienced advisor will review your information and contact you to discuss strategies that can help protect your ministry, support your pastor, and strengthen your church’s long-term financial future.

Covenant Membership

A membership designed to strengthen and protect your church as an organization.

Work Shield Liability Protection

Anchored by Work Shield liability coverage, Covenant Membership helps protect your organization from workplace and employment-related liability concerns through access to industry-leading support and resources.

Spiritual Wellness Benefits

Access church-focused resources designed to support ministry effectiveness, stewardship, leadership development, planned giving initiatives, endowment growth, and long-term ministry sustainability.

Ministry Protection Resources

Explore solutions designed specifically for houses of worship, including Pastor Protection Plans, property and liability resources, succession planning support, and organizational risk management tools.

Exclusive Church Partnerships

Receive access to preferred programs, discounts, and services tailored for faith-based organizations, helping churches maximize resources while serving their communities.

Why Covenant Membership?

Covenant Membership supports the organization itself — not just individual members — by combining ministry-focused benefits, protection resources, and organizational support into a single program.

Learn About Work Shield

Join Covenant Membership

Enterprise Membership Options

Choose the discounted group membership option that best fits your church, ministry, family, team, or organization.

Benefits	Enterprise	Enterprise PLUS
Membership Package	4 Silver Memberships	4 Gold Memberships
Physical Wellness	✓	✓
Financial Wellness	✓	✓
Social Wellness	✓	✓
Spiritual Wellness	✓	✓
Life Benefit	$10,000 per member	$25,000 per member
Monthly Cost	$49	$79

Enterprise memberships are designed for anyone purchasing multiple memberships at a discounted group rate. While churches often purchase Enterprise memberships for staff or members, they are also ideal for businesses, families, ministry teams, and other organizations.

Join Enterprise

Join Enterprise PLUS

Choose the Membership Plan That’s Right for You

Compare benefits, life insurance coverage, and pricing to find the membership that’s right for you.

Benefits	Silver	Gold	Senior Age 66+
Physical Wellness	✓	✓	✓
Financial Wellness	✓	✓	✓
Social Wellness	✓	✓	✓
Spiritual Wellness	✓	✓	✓
Life Benefit	$10,000	$25,000	Not Included
Monthly Cost	$16.99	$27.99	$11.99

Join Silver or Gold

Join Senior (Age 66+)

HoWffers -- An Association for Church Folk

Benefits, Protection & Wellness for Faith-Centered Communities

Serving Churches|Ministries|Families|Members

Choose the Membership That Fits Your Mission

Membership Plans

For individuals and families seeking wellness, savings, telehealth, and personal benefits.

Covenant Membership

For organizations seeking our special risk mitigation product and our Spiritual Pillar benefits.

Enterprise Membership

Discounted 4-pack memberships for churches, families, teams, businesses, or any group purchasing multiple memberships.

To enhance the financial literacy and well-being of faith-based organizations, their clergy, employees and congregants.

What Would You Like to Learn More About?