Coverage You Didn’t Know You Needed, Until Now…

Everyone knows the basics regarding insurance; typically, you’ve got medical, vision, and dental, which dominate most employer-sponsored coverage plans; however, there is lots of red tape and restrictions regarding coverage. You may think you are well protected, but read on to discover all the coverage options available to you and your family so you can rest easier;

For starters, it is never too early for life insurance. But unfortunately, nearly 50% of Americans don’t have any. This lack of life-insured Americans could be primarily due to typical 9-5 employer-sponsored plans excluding the option, but the longer you wait, the more you pay, and the less secure you leave your family.

For many, having a sense of home is quintessential to feeling safe, but our homes aren’t untouchable. You can face crushing repairs and replacement costs in a fire, break-in, or natural disaster. We know you would want your sense of home reinstated asap, and one way of ensuring such is to have a comprehensive but budget-friendly renters and home insurance policy. So if your home is where your heart is, don’t leave yours uninsured.

Our furry friends are one of the family. They eat with us, watch tv with us and unfortunately grow old. As they grow older, they, like us, are more vulnerable to sickness. Unexpected pet emergencies can strain your finances, especially if they require ongoing care. Be proactive and protect your pets so you and your family can enjoy their love for their entire lives.

Accidents happen, and we are all guilty of leaving something behind, whether it be a pair of sunglasses, AirPods, or our phone. Who among us hasn’t had to replace a bike, laptop, or tennis racket over a split-second fumble or left their phone after a mad dash out of an uber. When these mistakes occur, you can face high prices to replace your personal belongings. AKKO offers plans to ensure up to 25 items for just $15 a month, a steal compared to the high ticket of apple care or replacing items independently.

In today’s digital age, there are endless opportunities for your identity to become vulnerable. Whether you open an email from a supposed prince by mistake or a password becomes compromised, even the most careful among us are vulnerable. Identity theft requires an inconvenient, lengthy, and highly costly recovery process. For years to come, you may have tax and credit issues. In 2021 the average victim of identity fraud lost more than $1,000 per incident. Everyone with a digital footprint is at risk making identity protection a necessity that is more affordable than you think.

You never think you or your family will be in an accident or diagnosed with cancer until it is. When the unimaginable happens, the last thing anyone wants to think about is money, but when the medical bill starts rolling in, rest easy knowing you’ve got coverage that will take care of you and those you love.

Now that you know about these options why wait, browse these coverage options and more here 

 

3 Common Life Insurance Myths

Did you know that only 31% of Americans say they are “very” or “extremely” knowledgeable regarding life insurance?* The insurance world can be overwhelming for many, but it doesn’t have to be. It is said that the truth can set you free, so today, we are freeing you by busting some of the most common myths surrounding life insurance. 

If you think, “I have group life through my work; I don’t need an individual policy.” I hate to rain on your parade, but this is a classic myth, group life often provides $20,000 or just a single year’s salary, which isn’t nearly enough to ensure your family has financial security when they need it most. On the other hand, an individual life insurance policy offers up to $2 million in coverage. In addition, policies start at just $9 a month, a bargain that will give your family a sense of stability knowing they are financially protected.

“I can always get life insurance later.” Another misinformed myth, as we get older, our health becomes increasingly more at risk leading to policies increasing in price. If you wait too long, your rate will be exceedingly higher than if you lock in a lower rate while you’re healthy.

“It’s too expensive,” You’re not alone in this train of thought; more than half of Americans overestimate the cost of life insurance by as much as three times a policy’s average rate*. However, individual life insurance is more affordable than you think.

Locking in your life insurance will save you and your family many headaches later down the line. So do your older self a favor and browse your options today, click here for a quote. 

*According to 2021 data from financial research firm LIMRA

We’ve Done The Work For You

A quick google search of insurance will produce a startling number of hits, all filled with confusing industry jargon. Many unable to break through the noise will purchase plans with too much or too little coverage. Having the wrong coverage doesn’t benefit anyone. Here at HBG, our team of experts are industry veterans that have seen it all and want to help you find benefits that do just that, benefit you. 

You may think your insurance options begin and end with your employer. However, we know how limiting this can be, our plans do not require employer sponsorship, meaning your coverage is yours and follows you in the event of a life change such as a job change or move within the country.

Our team has had decades of experience in the insurance industry and has curated an array of plans that are accessible and possible for everyday life. In addition, we have researched, reviewed, and vetted every carrier seeking the best value for our benefits, from cost to service to flexibility. As a result, we’ve taken insurance from a buzzword with 2,680,000,000 (and counting) search results to a user-friendly online store as easy to navigate as your favorite online retailers.

The Healthee by HBG expertise doesn’t stop with the online store itself. You can become an expert by utilizing our dedicated support team headed by Ask Evan, whose specialty is educating customers on their benefit options. The Ask Evan team is available to discuss plans that make sense for you and your family. So the next time you need to make a doctor’s appointment or have to order a prescription, you will do so with the confidence that what you need is covered and supported. Ask Evan your questions by text, phone, email, or virtual appointment. It’s never been easier to ask questions and educate yourself on your coverage.

Enjoy our hard work and expertise by browsing all our products here. We’ve got you covered. Whether you’re looking for medical plans, home, auto, supplemental coverage, or even device insurance, we’ve done the work for you.