Financial Services to Protect
Yourself From All of Life’s
Term Life Insurance, Pet Insurance, Long-term Care Insurance, and Supplemental Accident Plans Help You Be Prepared!
At HSA for America, we think it’s important to help our clients protect themselves against expenses that are unexpected. At the same time, we want to help you keep your cost for that coverage as low as possible. We simplify the process of shopping for and choosing an insurance plan. In addition to HSA-qualified health insurance plans, we help our members with life insurance, long-term care insurance, and even pet insurance!
Low Cost Term Life Insurance
The best value in life insurance is term life. Choose the amount of coverage you want, and for a period of 10, 20, or 30 years your premiums will never change. Term life rates are lower than they’ve ever been, and you have access to the lowest rates available. Get an instant quote online.
Long-Term Care Insurance
Over a third of people aged 65 and older will spend at least some time in a long-term care facility. For this reason, having insurance coverage is vital. In order to make sure you are covered in the event of a move to an assisted living facility or having to have someone come into your home to assist with your daily needs, a long-term care insurance policy is important.
For more information about how to choose a policy, or to submit a request to speak with a long-term health insurance expert, please visit our Long-Term Care page.
Health care can be very expensive, even for your dog or cat. For a small monthly premium, you can protect yourself against unexpected veterinary bills that can run into thousands of dollars. We understand that your pets are part of your family. The service we recommend is Embrace Pet Insurance. They offer comprehensive coverage for emergency veterinarian services, treatment of conditions that are specific to the breed and type of animal, and even offer optional coverage for wellness visits. You can get quotes and sign up online!
Supplemental Accident Plans
A majority of our clients add a supplemental accident plan to go with their high deductible health plan. These plans only have a $100 deductible, and then cover 100% for any accident, up to $5,000 or $10,000. Since most people are more likely to have an unexpected accident than an expensive sickness, an accident plan is a great way to buffer the high deductible of an HSA-qualified plan. And they're inexpensive, starting at only $22 per month. Benefit exclusions and limitations may apply. Click here to read more about our accident plans, and get a quote on coverage.
Critical Illness Coverage
To protect yourself from bankruptcy and financial disaster following a critical illness or diagnosis such as cancer or heart attack, we offer the lowest rates in critical illness coverage. Learn more about our critical illness plans here.
If you were unable to work, how would you pay your bills? Disability insurance provides you with income to take care of all of the expenses that keep piling up, even if you’re not making an income. Read about the affordable security you’ll get with a disability policy here.
Self-funded Pension Plans
Most of us have heard of self-funded pension plans, but we might not all be completely sure just what they’re about. Self-funded pension plans are different from traditional insurance in that they offer you a savings vehicle for retirement that’s tax-deferred, much like 401(K)’s and IRA’s. There are also self-funded pension plans that are set up to pay you a monthly amount during retirement. It’s a slightly complex subject, but don’t worry - we make it simple and easy. Read more about self-funded pension plans and how they can provide you with additional retirement savings or income by clicking here.