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.
Unlock more protection—on your terms.
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.
Protect your loved ones—starting today.
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.
Get 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.
Save on every prescription—for you and your entire household.
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.
Support for you and your loved ones—whenever it’s needed.
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.
Care 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.
Care for your whole household—anytime, anywhere.