Navigate Medicare with confidence through trusted professional guidance.
Your HOWffers Membership provides access to experienced Medicare advisors who can help you understand your options, compare plans, and make informed decisions about your healthcare coverage.
Ready to speak with a Medicare advisor?
Click the Access button below and complete the brief form. A licensed advisor will review your information and contact you to discuss your options and answer your questions.
Whether you’re approaching Medicare eligibility, evaluating your current coverage, or helping a loved one understand their choices, expert assistance is available.
Make informed Medicare decisions with guidance from experienced professionals.
Personalized mental wellness support wherever life takes you.
Your HOWffers Membership includes access to a digital mental health and well-being platform designed to help you build healthier habits, reduce stress, improve resilience, and support your overall emotional wellness.
This benefit is available exclusively through the mobile app.
Download the app using one of the links below, or search for Sibly (Whole Health Solutions) in the Apple App Store or Google Play Store.
Activate your account using the email address associated with your HOWffers Membership. During registration, you will be prompted to create a password for future logins.
Invest in your mental wellness and build healthier habits for a stronger future.
Expert veterinary guidance when your pet needs it most.
Your HOWffers Membership includes access to TeleVet services, providing convenient access to veterinary professionals who can help answer questions, provide guidance, and assist you in making informed decisions about your pet’s health and well-being.
Your TeleVet account registration will be available within 48 hours of joining HOWffers.
To begin using your benefit, first create your account through the Account Registration link below.
Once your account has been created, use the Member Login link anytime to access your TeleVet services.
Get trusted veterinary guidance whenever questions arise about your pet’s health.
Connect with licensed medical professionals anytime, anywhere.
Your HOWffers Membership includes access to convenient telehealth services for you and your household. Whether you need treatment for common illnesses, medical guidance, or help determining the next step in your care, licensed healthcare providers are available from the comfort of your home.
You should have received an email directly from Lyric / My Telemedicine to activate your account.
If you did not activate your account through that email, click the web access button below and select “Activate Now” to create and access your account.
You can also download the Lyric Health mobile app and activate or access your account using the email address associated with your HOWffers Membership.
Get the care you need—whenever and wherever you need it.
Save on tires, maintenance, and automotive services through your HOWffers Membership.
Members receive access to exclusive discounts on Bridgestone and Firestone brand tires, installation services, vehicle maintenance, and other automotive needs through a nationwide network of participating service centers.
To access your discounts, click the button below.
Important: To ensure you receive the proper savings, be sure to bring your printed discount coupon with you when you visit a participating service center.
After logging in, you can use the Store Locator feature to find one of more than 2,300 participating locations nationwide.
Keep your vehicle running smoothly while saving on the services you need most.
Help is just a phone call away when the unexpected happens.
Your HOWffers Membership includes roadside assistance protection for you and your household. Whether you’re dealing with a dead battery, flat tire, lockout, or need a tow, assistance is available when you need it most.
Need roadside assistance?
Call 888-219-5379. Use your name, email address associated with your HOWffers Membership, or phone number to verify your eligibility and access your benefits.
You may also access your account online using the button below.
Drive with confidence knowing help is available when you need it.
Unlock exclusive savings at thousands of local and national merchants.
Your HOWffers Membership includes access to Shopping Boss, a powerful savings platform that helps you save on shopping, dining, travel, entertainment, automotive services, and more. Discover discounts near home or while traveling, all from your computer or mobile device.
Activate online or through the Shopping Boss mobile app using the email address associated with your HOWffers Membership.
Once activated, access your account anytime from the web or your mobile device.
Start saving today on the products, services, and experiences you already enjoy.
A membership designed to strengthen and protect your church as an organization.
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.
Access church-focused resources designed to support ministry effectiveness, stewardship, leadership development, planned giving initiatives, endowment growth, and long-term ministry sustainability.
Explore solutions designed specifically for houses of worship, including Pastor Protection Plans, property and liability resources, succession planning support, and organizational risk management tools.
Receive access to preferred programs, discounts, and services tailored for faith-based organizations, helping churches maximize resources while serving their communities.
Covenant Membership supports the organization itself — not just individual members — by combining ministry-focused benefits, protection resources, and organizational support into a single program.
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.
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 |
Save money on the products, services, and experiences you enjoy every day.
Your HOWffers Membership includes access to thousands of exclusive discounts from national brands and local businesses. Whether you’re dining out, shopping online, planning a trip, or running errands around town, you’ll find valuable savings wherever life takes you.
Savings add up when you use them regularly.
With offers available both close to home and while traveling, members can discover discounts in the places they already shop, dine, and spend time. Many offers provide meaningful savings on everyday purchases and family activities.
Find deals where you live, work, play, and travel.
Simply browse available offers, select the discounts you want, and redeem them through your mobile device, printable coupons, promotional codes, or direct merchant links. The platform makes it easy to find savings wherever you are.
Save a little on everyday purchases—and a lot over time.
Enhance worship, improve communication, and elevate your ministry’s message.
Through HOWffers, churches can access professional audio, video, lighting, multimedia, and broadcast solutions designed specifically for worship environments. Whether you’re upgrading an existing system, building a new facility, or improving your livestream experience, expert guidance is available every step of the way.
Technology should support your message—not distract from it.
A properly designed AV system helps ensure your congregation can clearly hear, see, and engage with every service, event, and ministry opportunity. From worship production and classrooms to livestreaming and community outreach, the right technology can significantly enhance ministry effectiveness.
More than equipment—an ongoing ministry partnership.
In addition to system design and installation, churches can access training, technical support, equipment servicing, and responsive assistance when issues arise. The goal is to help your ministry confidently utilize technology while maximizing the value of your investment.
Bring your message to life—with technology designed for ministry.
Unlock greater buying power for your church.
Through HOWffers, churches and ministries can access professional purchasing services designed to help secure better pricing on major purchases and ministry essentials. By leveraging collective buying power, organizations can often achieve significant savings while simplifying the purchasing process.
Good stewardship includes spending wisely.
Whether you’re furnishing a sanctuary, upgrading classrooms, purchasing equipment, or planning a major project, professional buying services can help your ministry stretch every dollar further while maintaining quality and value.
Leverage greater buying power—and keep more resources focused on ministry.
Celebrate generosity, honor legacies, and inspire future giving.
Whether you’re recognizing major donors, memorializing loved ones, honoring church leaders, or commemorating a capital campaign, HOWffers provides access to beautifully crafted recognition solutions designed to leave a lasting impression.
Planned giving works best when generosity is celebrated.
Thoughtfully designed recognition displays honor faithful supporters, encourage future legacy gifts, and help create a culture of generosity that can strengthen your church for generations.
Honor generosity today—and inspire legacy giving for tomorrow.
Protect your ministry with coverage designed specifically for churches.
Many churches today are facing rising insurance costs, limited carrier options, and increasing difficulty finding affordable coverage. Through HOWffers, churches can access experienced specialists who understand the unique risks and insurance needs of ministries.
Every church is different—and so are its insurance needs.
Rather than being limited to a single carrier, experienced church insurance specialists can evaluate multiple providers to help identify the most appropriate and cost-effective solution for your ministry. This helps ensure your church receives protection that fits both your risks and your budget.
Decades of experience serving churches.
Our sister company, PetraJenerations, brings together decades of church insurance experience. Their Property & Casualty team understands the challenges ministries face in today’s insurance marketplace and works with multiple carriers to find solutions tailored to each church’s unique needs.
Protect your ministry today—so you can focus on your mission tomorrow.
Turn your ministry vision into a well-planned, functional, and inspiring facility.
Whether you’re building a new sanctuary, expanding existing space, renovating a worship center, or creating a family life center, HOWffers connects churches with nationally recognized faith-based architectural expertise designed specifically for ministry environments.
A church building should support your ministry—not limit it.
Thoughtful design helps maximize worship, education, fellowship, outreach, and community impact. Whether your congregation is growing, rebuilding, renovating, or preparing for the future, expert planning can help ensure your facility serves today’s needs while remaining flexible for tomorrow’s opportunities.
Architecture that reflects your mission and supports your future.
Experienced faith-based architects have helped ministries across the country design sanctuaries, family life centers, classrooms, childcare facilities, fellowship halls, administrative offices, community centers, and multi-purpose spaces tailored to ministry goals. From concept development to complete project planning, their expertise can help bring your vision to life.
Build wisely today—so your ministry can grow for generations.
Because those who care for others need time to recharge, too.
Pastors often spend their lives serving others while neglecting their own need for rest and renewal. Through HOWffers, members gain access to a unique vacation housing network created specifically to help pastors and their families enjoy quality time away.
Healthy ministries are built on healthy leaders.
Burnout is one of the greatest challenges facing pastors today. Time away provides an opportunity to rest, reconnect with family, strengthen relationships, and return to ministry refreshed and encouraged.
Vacation opportunities designed specifically for pastors.
Unlike traditional vacation rental platforms, these properties are made available specifically for pastors and ministry leaders. Many stays are provided at no lodging cost, with guests typically responsible only for modest cleaning, preparation, or administrative fees.
Whether you’re planning a family getaway, a marriage retreat, a sabbatical, or simply a few days to recharge, this benefit helps make meaningful time away more accessible.
Take time to rest today—so you can continue serving tomorrow.
Save money on the supplies your church uses every day.
Through HOWffers, churches, schools, ministries, and nonprofits can access discounted pricing on thousands of products—from paper towels and cleaning supplies to office essentials, equipment, apparel, and more.
Small savings on everyday purchases can create a big impact over time.
Every church purchases paper products, cleaning supplies, office materials, and facility essentials. By leveraging greater buying power through HOWffers, organizations can often reduce operating costs while simplifying purchasing and vendor management.
Good stewardship isn’t just about raising money—it’s also about spending wisely.
This purchasing program is built around Christian values of service, responsible stewardship, and community impact, helping organizations stretch resources further so more dollars can remain focused on ministry and mission.
Spend less on supplies—and invest more in ministry.
Help your house of worship become more prepared, resilient, and ready to respond.
Through HOWffers, churches and faith-based organizations can access emergency management planning, training, and technology designed to strengthen safety before, during, and after a crisis.
A welcoming church can also be a prepared church.
Houses of worship have long served as safe havens, but their openness can also create real safety challenges. Many faith-based organizations lack full-time security staff, yet face risks ranging from targeted violence to cyberattacks.
Preparedness should be practical, customized, and easy to activate.
Through HOWffers, members can access modern preparedness tools, including AI-supported risk analysis, business continuity planning, crisis communication, training, and mobile response resources—helping your team know what to do when it matters most.
Prepare wisely today—so your ministry can respond with confidence tomorrow.
Access affordable group health insurance and employee benefits—even if you have just one employee.
Many churches and small nonprofits assume quality employee benefits are out of reach because of their size. Through HOWffers, organizations can access professional employer services that leverage larger buying power to help secure competitive health insurance, dental, vision, and other employee benefits—without needing a large staff.
Your employees deserve quality benefits—and your organization shouldn’t have to be large to provide them.
By leveraging the purchasing power of a larger employee pool, even churches and nonprofits with only one employee may gain access to competitive benefits and pricing that would otherwise be difficult to obtain on their own.
Reduce administrative burdens while improving employee support.
In addition to helping organizations access affordable employee benefits, this solution can simplify payroll, HR administration, compliance, and workers’ compensation—saving valuable time while reducing administrative burdens.
Provide better benefits, save valuable time, and strengthen your team.
Access financing solutions designed specifically for churches and nonprofit organizations.
Whether you’re refinancing existing debt, purchasing property, funding expansion, or supporting ministry growth, HOWffers connects organizations with experts who explore a wide range of financing options to find the right solution for your needs.
Turn financing into an opportunity for greater community engagement.
Unlike traditional financing, this innovative model can allow supporters of your ministry or organization to participate in impact-focused investment opportunities that help fund your mission while earning a financial return. This approach can strengthen engagement with your supporters while helping organizations secure more affordable financing.
Every dollar saved on financing is a dollar that can be redirected toward ministry and mission.
Many organizations have been able to significantly reduce monthly loan payments through customized financing strategies. By exploring all available options and leveraging both traditional lending relationships and innovative funding models, churches and nonprofits can often free up resources for greater community impact.
Keep more resources focused on ministry—not debt.
Create sustainable funding for your ministry through endowment and planned giving strategies.
Most churches and faith-based organizations rely heavily on ongoing donations to fund ministry. Through HOWffers, organizations can explore innovative endowment solutions that help transform one-time gifts into long-term financial support for Kingdom impact.
A single gift can create impact for years to come.
This innovative model combines charitable giving with institutional-style investing, helping organizations create a source of ongoing support rather than relying solely on week-to-week giving. Even organizations starting with relatively modest resources can begin building an endowment designed to grow over time.
Move beyond Sunday-to-Sunday funding.
An endowment is one of the most effective tools for creating generational wealth and mission sustainability. Planned giving initiatives through HOWffers can help churches build and strengthen these funds while creating meaningful opportunities for donors to support the future of the ministry. The result is a stronger financial foundation that can continue supporting Kingdom impact for generations.
Plant seeds today that can help sustain ministry for generations.
Keep your vehicle running well while saving on everyday auto care.
Your HOWffers Membership includes access to the Partners Plus Auto Care Savings Plan, with discounts on maintenance, repairs, tires, and related services at participating locations nationwide.
Car repairs and maintenance can add up quickly.
This included benefit helps you save on the services your vehicle needs most—from oil changes and check-ups to brakes, tires, and more.
Save on the auto care your household already needs.
Get help when unexpected car trouble leaves you stranded.
Your HOWffers Membership includes roadside assistance benefits designed to help keep you and your family moving with confidence.
Breakdowns and roadside emergencies rarely happen at convenient times.
Whether you’re commuting, traveling, or simply running errands, this included benefit helps provide peace of mind knowing help is available when you need it most.
Drive with confidence—knowing roadside help is already included.
Earn cash back on the shopping you already do.
ShoppingBoss is typically available through fundraising programs, but HOWffers members receive access as part of membership—so you can save on everyday purchases without joining a separate fundraiser.
Everyday purchases can become everyday savings.
Whether you’re buying groceries, dining out, shopping online, or picking up essentials, ShoppingBoss helps you turn routine spending into cash back—right from your phone.
Shop smarter—while enjoying access normally reserved for fundraiser participants.
Your life insurance policy may be worth more than you think.
As your needs change, a policy that once felt essential may no longer fit your situation. HOWffers connects members with trusted partners who can help you explore whether selling an existing policy could provide greater value than simply surrendering it.
Don’t settle for less without knowing what your policy may truly be worth.
Just like you wouldn’t sell a home without understanding its value, you shouldn’t give up a life insurance policy without exploring your options. A life settlement may help unlock hidden value while supporting both your financial goals and your generosity.
Explore your options—before walking away from your policy.
Keep your pet’s important medical records organized, secure, and easy to access.
Your HOWffers Membership includes access to a secure digital pet record platform designed to help families store, manage, and share important pet health information whenever it’s needed.
When emergencies happen, quick access to accurate information matters.
Whether visiting a new veterinarian, traveling with your pet, or coordinating care with others, this secure digital vault helps keep your pet’s important information available when you need it most.
Keep your pet’s records protected, organized, and always within reach.
Keep your most important information secure, organized, and accessible when it matters most.
Your HOWffers Membership includes access to a secure digital record vault designed to help protect your family’s vital information and important documents.
In stressful moments, having the right information quickly can make all the difference.
Whether facing a medical emergency, caring for a loved one, or simply planning ahead, this secure vault helps keep your important information protected and available when your family needs it most.
Protect what matters most—with secure access anytime, anywhere.
Get legal support for everyday needs—at no extra cost.
Your HOWffers Membership INCLUDES access to a Family Legal Plan with no-cost legal services, discounted attorney rates, and helpful online legal forms.
Legal questions can come up when you least expect them.
This included benefit gives you practical support, helpful documents, and access to attorney guidance—so your family can handle everyday legal needs with more confidence.
Get everyday legal support—already included with membership.
Plan for retirement with guidance designed specifically for pastors and churches.
Through HOWffers’ partnership with HIS Envoys Group, pastors and ministry leaders can access retirement planning support tailored to the unique needs of ministry.
Your retirement plan should reflect both your future goals and your faith values.
With the right structure in place, pastors and churches can build a stronger foundation for retirement, stewardship, and long-term ministry impact.
Plan faithfully today—prepare confidently for tomorrow.
Protect your pastor, strengthen your church, and create a path toward retirement security through our Pastor Protection Plan.
Through HOWffers’ Pastor Protection Plan, pastors and churches can explore advanced protection and retirement strategies designed to support the pastor’s family, provide continuity for the church, and build long-term financial stability.
This video describes how Premium Financing can work for a ministry leader.
Watch the video →
Premium financing uses an Indexed Universal Life insurance policy. Instead of the pastor or church paying large premiums out of pocket, a bank funds the premiums, while the church pays only the interest on the loan.
This allows the policy to grow using bank-funded premiums while preserving church cash flow. Over time, the policy’s cash value may be used to repay the loan and potentially create a stream of tax-advantaged retirement income for the pastor.
Pastors spend their lives caring for others. This helps churches care for them in return.
With the right strategy, a church can help protect the pastor’s family, support ministry continuity, and create a more dignified retirement path.
Plan wisely today—so your pastor and ministry are protected tomorrow.
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.
Visit ProtectMyPastor.com →
Healthy ministries are built on healthy leadership.
With the right planning in place, churches can better support their pastors, strengthen financial foundations, and prepare wisely for the future.
Support your leaders today—while planning wisely for tomorrow.
Find the right coverage—no matter your stage of life.
Whether you’re just getting started or looking to expand your protection, our experts help you explore options tailored to your needs, your goals, and your situation.
The right plan brings confidence today—and security for tomorrow.
No matter your age or situation, you can find coverage that fits—helping you protect your loved ones and plan for the future with clarity.
👉 Join NowGet guidance that grows with you—and protection that lasts.
Your membership opens the door to more coverage—at group rates.
Beyond your included life insurance benefit, HOWffers gives you access to additional protection options with simplified enrollment and no complicated underwriting.
Your needs change—and your coverage should too.
Whether you want to increase your protection, add benefits for your family, or plan ahead, you have flexible options available without starting from scratch.
Immediate coverage. No health questions. No waiting.
Your HOWffers Membership INCLUDES guaranteed issue life insurance through Prudential, one of the most trusted names in the industry—so you can protect your loved ones from day one.
Protection shouldn’t be complicated—or delayed.
This benefit gives you instant peace of mind, knowing your family has financial support in place from the moment you join.
Get expert guidance to choose the right coverage with confidence.
Medicare can be confusing, but you don’t have to figure it out alone. Work with experienced advisors who help you understand your options and choose a plan that fits your needs and budget.
The right plan can make a big difference in both coverage and cost.
Avoid costly mistakes, gain peace of mind, and feel confident you’re making the best decision for your healthcare.
👉 Join NowGet the coverage you need—with guidance you can trust.
Find the best price on medications—without the hassle.
Whether it’s for you or your pet, easily compare options, choose how you want to purchase, and save money every time.
Medication costs add up quickly—but they don’t have to.
Save money, avoid overpaying, and get the prescriptions you need in the way that works best for you.
Talk to a real person anytime—no appointments, no waiting.
Whether you’re feeling overwhelmed, stressed, or just need someone to talk to, trained wellbeing coaches are available around the clock to help you navigate life’s challenges.
You don’t have to handle everything on your own.
Get real support in the moment, improve your overall wellbeing, and feel more equipped to handle whatever life brings your way.
Get expert guidance for your pets anytime—day or night.
Whether something seems off, your pet got into something they shouldn’t, or you just need reassurance, trusted veterinary professionals are always just a call or click away.
Peace of mind for you—and better care for your pets.
Get trusted answers quickly, avoid unnecessary costs, and feel confident you’re making the best decisions for your pet’s health and wellbeing.
👉 Join NowCare for every member of your household—including the four-legged ones.
Talk to licensed doctors anytime—day or night—without leaving home.
Whether it’s a sick child, a late-night concern, or a quick medical question, expert care is always within reach.
Skip the waiting room. Save time. Gain peace of mind.
Get trusted medical support wherever you are—at home, at work, or on the go.