HOWffers Membership

🔐 Expanded Protection Options—Available to Members

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.

What You Get

• Access to additional guaranteed issue life insurance up to $50,000
• Simplified issue life insurance up to $300,000 with minimal underwriting
• Optional coverage including dental, vision, hospital, accident, and medical plans
• Ability to self-enroll in the coverage that fits your needs
• Access to a permanent guaranteed issue life policy through Chubb — enroll up to age 70

Why It Matters

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.

Important Details

• Additional guaranteed issue life options may vary in structure and duration
• The Chubb guaranteed issue policy is permanent coverage, designed to last for life, up to age 121
• Availability and coverage options may vary based on age and selection

🛡️ Guaranteed Issue Life Insurance—Included with Membership

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.

What You Get

• Choice of $10,000 or $25,000 life insurance coverage
• Guaranteed approval—no medical exams or health questions
• Coverage begins immediately upon enrollment
• Benefit included as part of your membership—no separate policy required

Why It Matters

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.

Important Details

• Must enroll before age 65 to be eligible
• Coverage continues through age 80, with the benefit reducing gradually with age

🩺 Personalized Medicare Support—Made Simple

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.

What You Get

• Personalized guidance from Medicare experts
• Help comparing Medicare Advantage, Supplements, and Part D plans
• Support finding coverage that fits your health needs and lifestyle
• Assistance identifying cost-saving opportunities
• Clear, simple explanations—no confusing jargon

Why It Matters

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.

💊 Save on Prescriptions for You and Your Pets

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.

What You Get

• Discounts on prescriptions for both people and pets
• Compare prices at local pharmacies near you
• Option to pick up locally or have medications delivered
• Free shipping when delivery is needed
• Simple, easy-to-use platform—no guesswork

Why It Matters

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.

💬 24/7 Support for Life’s Everyday Challenges

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.

What You Get

• 24/7 access to live wellbeing coaches—no scheduling required
• Support in under 2 minutes when you need it most
• Help with stress, anxiety, relationships, and everyday challenges
• Practical coping strategies you can use right away
• Access to thousands of resources for life events and personal growth

Why It Matters

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.

🐾 24/7 Care for Your Pets—Right from Home

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.

What You Get

• 24/7 access to experienced pet health specialists
• Support for pets of all ages—from puppies to seniors
• Help with symptoms, behavior, diet, and overall wellness
• Guidance to avoid unnecessary emergency vet visits
• Access to helpful articles and self-service tools

Why It Matters

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.

🩺 24/7 Care for You and Your Entire Household

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.

What You Get

• Speak with real doctors 24/7 by phone, video, or secure messaging
• Coverage for your entire household—not just you
• Fast answers, treatment guidance, and support for common conditions
• Prescriptions sent directly to your preferred pharmacy when appropriate

Why It Matters

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.