HFA Life · Last updated July 30, 2026

Licenses and Disclosures

Who we are

HFA Life is a marketing and education brand. It is not an issuing insurance carrier and is not presented as a registered investment adviser. Insurance products are issued by licensed insurance companies. Producer and carrier availability varies by state.

Before a recommendation or application

The individual licensed insurance professional who communicates with you must provide their legal name, state license details, business affiliation, carrier relationship, and any applicable state-required consumer disclosures. Ask for and independently verify those details before sharing sensitive information or making a decision.

Life insurance

Life insurance is subject to underwriting, policy terms, exclusions, limitations, costs, and availability. A policy is not in force until issued and the required premium is received under the carrier's terms. Potential living benefits, if available, are not a substitute for health insurance or long-term care coverage.

Annuities

Annuities are long-term contracts issued by insurance companies, not bank deposits and not direct investments in an index. Guarantees depend on the claims-paying ability of the issuing insurer. Fixed indexed annuities can limit upside through caps, spreads, participation rates, and other crediting terms. Early withdrawals may cause surrender charges, market-value adjustments, and tax penalties. A licensed professional should discuss suitability, liquidity, replacement considerations, and alternatives before you buy.

Wellness programs

References to John Hancock Vitality, Galleri screening, Apple Watch, healthy-food savings, and other member offers are educational summaries only. Program terms, enrollment, availability, eligibility, taxes, and reward amounts can change. Review the carrier's current materials and program terms before relying on a benefit.

Not advice

Nothing on this site is tax, legal, medical, or investment advice. Consult your own qualified professional about your situation.