Individuals

The longer you wait, the more you risk. When unforeseen illness or accidents befalls you before you purchase a policy, what was once affordable can quickly lead to financial ruin. Discover how simple it is to protect yourself with affordable options and benefits that match your needs by calling today.

Term Life Insurance

HPIB can help you secure a term life insurance policy, which would pay a benefit in the event of your death. This lump sum could be used to pay off a mortgage, pay college tuition, replace lost income, or meet whatever financial needs that may arise.

Whole Life Insurance

For a guaranteed cash-value account, whole life policies offer guaranteed premiums and guaranteed face-value for as long as you live.

Universal Life Insurance

For the flexibility of customizing your coverage and taking on more manageable premiums, a Universal Life Insurance policy combines lifetime coverage and the ability to invest for your retirement.

Final Expense Insurance

HPIB can help you provide a way for your family to pay your financial debts, cover final expenses, and ultimately any expenses related to your funeral. You can put your mind at ease.

Dental

We provide access to affordable dental plans and policies which can cover preventative, basic, and major care. In addition, some plans may also provide benefits for orthodontist visits, teeth whitening, and dental implants. If a full dental plan is not what you are after, HPIB can find dental discount plans that sometimes prove more suitable than insurance. 

Vision

Eye health is a part of your overall health and wellness. HPIB finds options to help you take care of your vision prescriptions for glasses, contacts, and eye appointments. We review coverage from multiple providers to meet your needs.

Accidental

Accidents are unexpected, but you can prepare through a supplemental accident plan. A generous lump-sum cash benefit paid directly to you for your injuries can help cover expenses that you may have during your recovery.

Critical Illness and Cancer

These plans are designed to provide a lump-sum cash payment directly to you if you receive a serious or terminal diagnosis such as advanced Alzheimer’s, a heart attack, or life-threatening cancer. Finances should not distract you from a good recovery.

Hospital Confinement Plans

Once admitted to the hospital, many Americans find they are unable to afford a long stay. A supplemental hospital confinement plan can pay a daily cash benefit to you in case of hospital confinement related to an accident or illness.

Disability Plans

If you suffer injury or illness, and find you’re unable to work, a disability insurance policy can provide you with monthly financial assistance. Disability benefits are generally paid in monthly installments.

Long Term Care Plans

Given rising costs for assisted living facilities, nursing homes, and even home healthcare, it is time to protect your finances and peace of mind with a long-term care policy to guarantee your family’s future.

Fixed Indemnity Plans

Your health insurance may not be enough. Deductibles and other out-of-pocket costs can add up. Fixed indemnity supplemental insurance provides cash benefits to help cover the expense of common medical services, such as ER visits, x-rays, and hospital confinement.

If you are between jobs, turning 26, or you are undergoing another period of transition in your life, HPIB can help you with flexible health insurance coverage to bridge the gap so that you stay covered.

Direct Primary Care is a direct doctor-patient relationship without insurance. Covering about 80% of basic day-to-day needs, it is a wonderful supplement to catastrophic insurance. A low-cost option for a superior relationship with the doctor and constant access through virtual care and text.

Members who incur medical costs eligible with a selected program or plan (according to their cost sharing program) can submit their bills and forms to the healthshare. Bills are then shared or reimbursed according to guidelines of the selected program.