Building independence
Think about essential bills, emergency savings and how time away from work would affect your routine.
Individuals & families
Explore the coverage questions that matter to you and your family, from routine care to bigger financial responsibilities.
Think about essential bills, emergency savings and how time away from work would affect your routine.
Explore this sectionShare your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINSA personal starting point
Think about essential bills, emergency savings and how time away from work would affect your routine.
Review who relies on your income, what your medical plan covers and where extra support could fit.
Revisit life coverage, final expenses and Medicare Supplement questions as your needs and eligibility change.
Your options
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Explore coverageCancer coverage can add financial support from eligible screenings through covered treatment and recovery, helping protect the household budget.
Explore coverageA covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
Explore coverageLife insurance can help loved ones manage financial responsibilities after the insured dies from a covered cause.
Explore coverageA focused whole life option can help loved ones handle funeral costs and other final obligations.
Explore coveragePlan for preventive visits and help with eligible basic and major dental procedures.
Explore coverageA scheduled-benefit dental option can provide cash for covered services while allowing a choice of dentist.
Explore coverageBring several everyday care needs into one plan, with benefits that vary by the selected Core or Elite option.
Explore coverageMedigap can help pay certain cost sharing that remains after Original Medicare pays its share.
Explore coverageExplore help with veterinary costs from qualifying unexpected illness or injury through Trupanion.
Explore coverageAflac’s individual hospital, short-term disability and supplemental vision products require eligible worksite payroll enrollment. Ask HQINS and your benefits team about access.
Explore workplace benefitsA conversation changes things
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.